The Standard Normal distribution table is used to look up the area under a normal curve from 0 to the given z-value. The rows represent the ones and tenths digits while the columns are the hundredths digits. So, finding the area between 0 and 1.96 would take the row 1.9 and the column 0.06. The value is 0.475. This means that to the area to the left of that point is 0.475 + 0.5 = 0.975, (since the entire area is 1 and the curve is symmetric about 0). The area to the right then is 1 - 0.5 - 0.475 = 0.025.

Z-Table — Area Between 0 and Z
0.000.010.020.030.04 0.050.060.070.080.09
0.00.00000.00400.00800.01200.0160 0.01990.02390.02790.03190.0359
0.10.03980.04380.04780.05170.0557 0.05960.06360.06750.07140.0753
0.20.07930.08320.08710.09100.0948 0.09870.10260.10640.11030.1141
0.30.11790.12170.12550.12930.1331 0.13680.14060.14430.14800.1517
0.40.15540.15910.16280.16640.1700 0.17360.17720.18080.18440.1879
0.50.19150.19500.19850.20190.2054 0.20880.21230.21570.21900.2224
0.60.22570.22910.23240.23570.2389 0.24220.24540.24860.25170.2549
0.70.25800.26110.26420.26730.2704 0.27340.27640.27940.28230.2852
0.80.28810.29100.29390.29670.2995 0.30230.30510.30780.31060.3133
0.90.31590.31860.32120.32380.3264 0.32890.33150.33400.33650.3389
0.000.010.020.030.04 0.050.060.070.080.09
1.00.34130.34380.34610.34850.3508 0.35310.35540.35770.35990.3621
1.10.36430.36650.36860.37080.3729 0.37490.37700.37900.38100.3830
1.20.38490.38690.38880.39070.3925 0.39440.39620.39800.39970.4015
1.30.40320.40490.40660.40820.4099 0.41150.41310.41470.41620.4177
1.40.41920.42070.42220.42360.4251 0.42650.42790.42920.43060.4319
1.50.43320.43450.43570.43700.4382 0.43940.44060.44180.44290.4441
1.60.44520.44630.44740.44840.4495 0.45050.45150.45250.45350.4545
1.70.45540.45640.45730.45820.4591 0.45990.46080.46160.46250.4633
1.80.46410.46490.46560.46640.4671 0.46780.46860.46930.46990.4706
1.90.47130.47190.47260.47320.4738 0.47440.47500.47560.47610.4767
0.000.010.020.030.04 0.050.060.070.080.09
2.00.47720.47780.47830.47880.4793 0.47980.48030.48080.48120.4817
2.10.48210.48260.48300.48340.4838 0.48420.48460.48500.48540.4857
2.20.48610.48640.48680.48710.4875 0.48780.48810.48840.48870.4890
2.30.48930.48960.48980.49010.4904 0.49060.49090.49110.49130.4916
2.40.49180.49200.49220.49250.4927 0.49290.49310.49320.49340.4936
2.50.49380.49400.49410.49430.4945 0.49460.49480.49490.49510.4952
2.60.49530.49550.49560.49570.4959 0.49600.49610.49620.49630.4964
2.70.49650.49660.49670.49680.4969 0.49700.49710.49720.49730.4974
2.80.49740.49750.49760.49770.4977 0.49780.49790.49790.49800.4981
2.90.49810.49820.49820.49830.4984 0.49840.49850.49850.49860.4986
3.00.49870.49870.49870.49880.4988 0.49890.49890.49890.49900.4990