Following data pertains to Castle State Bank. Balance Sheet: Cash 95.675, Securities 587.733, Net loans 1219.241, Net premises 293.352; Deposits 1104.063, Non-deposit borrowings 796.185, Common stock $11.147, Surplus $123.623; Income Statement: Interest Income 399.475, Interest expense 180.982, Noninterest income 51.434, Noninterest expense 99.258, Provision for loan losses 62.441, Securities gains (losses if negative) -8.176, Taxes 41.145. What is Castle State Bank's tax management efficiency ratio? Decimalize your answers, round to four decimals. E.g., if your answer is 14.445%, record it as 0.1445. Note: Undivided profits is the only item missing above; it is the item that would balance the balance sheet.