25. The financial statements for First National Bank (FNB) are shown below.
a. Calculate the dollar value of FNBs earning assets.
b. Calculate FNBs ROA.
c. Calculate FNBs asset utilization ratio.
d. Calculate FNBs spread.
Balance Sheet - First National Bank (FNB)
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
Reserve for loan losses	(1,125)		Equity	2,200
Premises	1,685
Total Assets	$ 23,960		Total Liabilities & Equity	$ 23,960
Income Statement - First National Bank (FNB)
Interest Income	$ 2,600
Interest Expense	1,650
Provision for loan losses	180
Noninterest income	140
Noninterest expense	420
Taxes	90