Following data pertains to Castle State Bank. Balance Sheet: Cash 95.72, Securities 585.552, Net loans 1225.637, Net premises 305.803; Deposits 1098.909, Non-deposit borrowings 792.743, Common stock $10.532, Surplus $126.968; Income Statement: Interest Income 405.134, Interest expense 203.181, Noninterest income 51.295, Noninterest expense 103.123, Provision for loan losses 57.646, Securities gains (losses if negative) 12.804, Taxes 46.764. What is Castle State Bank's net interest margin? Decimalize your answer, round to four decimals.