The financial statements for First National Bank (FNB) are shown below:

Balance Sheet - First National Bank Assets Liabilities and Equity Cash $ 450 Demand deposits $ 5,510 Demand deposits from other FIs 1,350 Small time deposits 10,800 Investments 4,050 Jumbo CDs 3,200 Federal funds sold 2,025 Federal funds purchased 2,250 Loans 15,525 Equity 2,200 Reserve for loan losses (1,125)

Premises 1,685 _______ Total assets $23,960 Total liabilities/equity $23,960 Income Statement - First National Bank Interest Income $2,600 Interest expense 1,650 Provision for loan losses 180 Noninterest income 140 Noninterest expense 420 Taxes 90

a. Calculate the dollar value of FNB’s earning assets.

b. Calculate FNB’s ROA.

c. Calculate FNB’s asset utilization ratio.

d. Calculate FNB’s spread.