Following data pertains to Castle State Bank. Balance Sheet: Cash 95.771, Securities 591.69, Net loans 1205.786, Net premises 309.84; Deposits 1104.564, Non-deposit borrowings 802.266, Common stock $10.741, Surplus $120.51; Income Statement: Interest Income 404.851, Interest expense 214.378, Noninterest income 51.321, Noninterest expense 96.265, Provision for loan losses 57.686, Securities gains (losses if negative) -9.622, Taxes 44.22. 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.