Following data pertains to Castle State Bank. Balance Sheet: Cash 102.872, Securities 603.147, Net loans 1188.977, Net premises 306.581; Deposits 1100.379, Non-deposit borrowings 808.267, Common stock $10.833, Surplus $122.032; Income Statement: Interest Income 398.246, Interest expense 215.369, Noninterest income 49.718, Noninterest expense 98.314, Provision for loan losses 60.325, Securities gains (losses if negative) 0.45, Taxes 40.817. What is Castle State Bank's ROE? Decimalize your answers, round to four decimals