Homestead State Bank has the following financial information. Balance Sheet Income Statement Cash Securities Investments Net Loans Net Premises and Equip. $100 Interest Income $600 Interest Expenses $400 ($150) $50 ($100) (S60) $140 ($40) ($45) $55 $1200 Non-Interest Income $300 Non-Interest Expenses Total Assets Deposits Non-Deposit Borrowings * Equity Capital $2200 $1100 Provision for Loan Losses Pre Tax Net Operating Income $800 Securities Gains (Losses) $300 Taxes Total Liabilities and Equity * All Purchased Funds S2200 Net Income Use this information to calculate Homestead State Bank's earnings spread 37.5% 14.33% 7.89% (22.5%