Following data pertains to Castle State Bank. Balance Sheet: Cash 99.276, Securities 616.625, Net loans 1222.763, Net premises 290.369; Deposits 1099.277, Non-deposit borrowings 791.409, Common stock $10.024, Surplus $122.297; Income Statement: Interest Income 403.728, Interest expense 198.327, Noninterest income 50.093, Noninterest expense 98.878, Provision for loan losses 59.927, Securities gains (losses if negative) 0.813, Taxes 47.36. 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