Balance Sheet First National Bank Assets Liabilities and Equity Cash $ 490 Demand deposits $ 5,270 Demand deposits from other FIS 1,550 Small time deposits 11,200 Investments Federal funds sold Loans Reserve for loan losses Premises Total assets 4,250 Jumbo CDs 3,400 2,145 15,925 Federal funds purchased Equity 2,450 2,400 (1,525) 1,885 $24,720 Total liabilities/equity $24,720 Income Statement First National Bank Interest income Interest expense Provision for loan losses Noninterest income Noninterest expense Taxes $2,800 1,810 220 180 460 80 a. Calculate the dollar value of FNB's earning assets. b. Calculate FNB's ROA. (Round your answer to 2 decimal places. (e.g., 32.16)) c. Calculate FNB's asset utilization ratio. (Round your answer to 2 decimal places. (e.g., 32.16)) d. Calculate FNB's spread. (Round your answer to 2 decimal places. (e.g., 32.16))