Following data pertains to Castle State Bank. Balance Sheet: Cash 102.552, Securities 587.677, Net loans 1176.237, Net premises 301.423; Deposits 1103.614, Non-deposit borrowings 784.802, Common stock $10.493, Surplus $129.543; Income Statement: Interest Income 406.146, Interest expense 197.503, Noninterest income 51.384, Noninterest expense 97.847, Provision for loan losses 59.94, Securities gains (losses if negative) 6.509, Taxes 47.482. 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.