Following data pertains to Castle State Bank. Balance Sheet: Cash 99.431, Securities 584.616, Net loans 1209.016, Net premises 291.354; Deposits 1106.777, Non-deposit borrowings 804.472, Common stock $11.879, Surplus $124.184; Income Statement: Interest Income 403.589, Interest expense 193.131, Noninterest income 49.445, Noninterest expense 102.735, Provision for loan losses 57.95, Securities gains (losses if negative) -9.616, Taxes 49.471. What is Castle State Bank's expense control 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.