Cash $ $460$ Demand deposits $ $5,450$

Demand deposits from other FIs $1,400$ Small time deposits $10,900$

Investments $4,100$ Jumbo CDs $3,250$

Federal funds sold $2,055$ Federal funds purchased $2,300$

Loans $15,625$ Equity $2,250$

Reserve for loan losses $(1,225)$

Premises $1,735$

Total assets $ $24,150$ Total liabilities$/$equity $ $24,150$

Income Statement First National Bank

Interest income $ $2,650$

Interest expense $1,680$

Provision for loan losses $190$

Noninterest income $150$

Noninterest expense $430$

Taxes $100$

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

b$.$ Calculate FNB$$s ROA. $($Round your percentage answer to $2$ decimal places. $($e$.$g$.,32\mathrm{.}16))$

c$.$ Calculate FNB$$s asset utilization ratio. $($Round your percentage answer to $2$ decimal places. $($e$.$g$.,32\mathrm{.}16))$

d$.$ Calculate FNB$$s spread. $($Round your percentage answer to $2$ decimal places. $($e$.$g$.,32\mathrm{.}16))$