Following data pertains to Castle State Bank. Balance Sheet: Cash 104.495, Securities 607.964, Net loans 1195.54, Net premises 304.652; Deposits 1106.89, Non-deposit borrowings 801.255, Common stock $10.757, Surplus $122.013; Income Statement: Interest Income 405.645, Interest expense 204.821, Noninterest income 50.147, Noninterest expense 97.305, Provision for loan losses 60.219, Securities gains (losses if negative) -8.018, Taxes 47.585. What is Castle State Bank's tax management efficiency ratio? Decimalize your answers, round to four decimals.