Following data pertains to Castle State Bank. Balance Sheet: Cash 104.589, Securities 582.463, Net loans 1184.351, Net premises 309.109; Deposits 1109.812, Non-deposit borrowings 785.444, Common stock $11.204, Surplus $124.529; Income Statement: Interest Income 403.094, Interest expense 189.873, Noninterest income 50.953, Noninterest expense 104.95, Provision for loan losses 58.525, Securities gains (losses if negative) 1.721, Taxes 46.02. What is Castle State Bank's net operating margin? Decimalize your answer, round to four decimals. E.g., if your answer is 10.445%, record it as 0.1045. Note: Undivided profits is the only item missing above; it is the item that would balance the balance sheet.