Following data pertains to Local Community Bank. Balance Sheet: Cash 97.892, Securities 593.353, Net loans 1213.59, Net premises 300.497; Deposits 1094.415, Non-deposit borrowings 788.63, Common stock 10.116, Surplus 126.831, Undivided profits (i.e., retained earnings) 185.34; Income Statement: Interest Income 402.515, Interest expense 208.792, Noninterest income 51.051, Noninterest expense 98.563, Provision for loan losses 59.804, Securities gains (losses if negative) 14.779, Taxes 42.531. What is Castle State Bad k's ROE? Decimalize your answers, round to four decimals. E.g., if your answer is 14.445%, record it as 0.1445