Following data pertains to Castle State Bank. Balance Sheet: Cash 98.653 (80% of cash assets earn interest), Securities 603.647, Net loans 1227.298, Net premises 304.063; Deposits 1103.937 (60% of deposits are interest-bearing), Non-deposit borrowings 796.682, Common stock $10.771, Surplus $127.152; Income Statement: Interest Income 408.218, Interest expense 198.287, Noninterest income 51.171, Noninterest expense 101.709, Provision for loan losses 58.597, Securities gains (losses if negative) 5.988, Taxes 46.776. What is Castle State Bank's earnings spread? Decimalize your answer, round to four decimals. E.g., if your answer is 6.445%, record it as 0.0645. Note: Undivided profits is the only item missing above; it is the item that would balance the balance sheet.