Following data pertains to Castle State Bank. Balance Sheet: Cash 97.769, Securities 606.623, Net loans 1215.102, Net premises 299.771; Deposits 1093.558, Non-deposit borrowings 798.425, Common stock $11.437, Surplus $121.933; Income Statement: Interest Income 399.897, Interest expense 181.607, Noninterest income 50.547, Noninterest expense 96.658, Provision for loan losses 60.877, Securities gains (losses if negative) 2.144, Taxes 49.255. What is Castle State Bank's tax management efficiency ratio? Decimalize your answers, round to four decimals.