Following data pertains to Castle State Bank. Balance Sheet: Cash 102.247, Securities 603.441, Net loans 1175.076, Net premises 307.457; Deposits 1102.229, Non-deposit borrowings 800.583, Common stock $11.446, Surplus $127.493; Income Statement: Interest Income 397.539, Interest expense 219.488, Noninterest income 49.659, Noninterest expense 101.42, Provision for loan losses 62.813, Securities gains (losses if negative) -6.127, Taxes 49.44. What is Castle State Bank's net profit margin? Decimalize your answer, round to four decimals. E.g., if your answer is 6.445%, record it as 0.0645.

Note: Undivided profits is the only item missing above; it is the item that would balance the balance sheet.