Following data pertains to Castle State Bank. Balance Sheet: Cash 101.594 (80% of cash assets earn interest), Securities 618.952, Net loans 1173.732, Net premises 296.845; Deposits 1099.609 (60% of deposits are interest-bearing), Non-deposit borrowings 810.488, Common stock $11.522, Surplus $129.042; Income Statement: Interest Income 396.118, Interest expense 199.03, Noninterest income 51.736, Noninterest expense 102.261, Provision for loan losses 60.116, Securities gains (losses if negative) 11.814, Taxes 48.864. 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.