Following data pertains to Castle State Bank. Balance Sheet:

Cash 103.295,

Securities 596.608,

Net loans 1173.856,

Net premises 304.812;

Deposits 1090.067,

Non-deposit borrowings 806.19,

Common stock 11.939,

Surplus 125.112,

undivided profits (i.e., retained earnings) 145.263;

Income Statement:

Interest Income 401.915,

Interest expense 187.23,

Noninterest income 49.719,

Noninterest expense 97.523,

Provision for loan losses 58.116,

Securities gains (losses if negative) 5.048,

Taxes 47.765.

What is Castle State Bank's ROA?

Decimalize your answers, round to four decimals. E.g., if your answer is 2.345%, record it as 0.0235.