Following data pertains to Castle State Bank. Balance Sheet: Cash 102.933, Securities 592.456, Net loans 1210.034, Net premises 302.594; Deposits 1095.466, Non-deposit borrowings 815.222, Common stock $11.372, Surplus $129.993; Income Statement: Interest Income 407.261, Interest expense 191.17, Noninterest income 49.499, Noninterest expense 95.781, Provision for loan losses 58.43, Securities gains (losses if negative) -2.415, Taxes 41.771. What is Castle State Bank's net operating margin? Decimalize your answer, round to four decimals.