I am stuck on d. I cannot figure out whar are the earnings assets and what are the interest bearing liabilities. Thank you.

The financial statements for First National Bank (FNB) are shown below: 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., 32.16)) c. Calculate FNB's asset utilization ratio. (Round your percentage answer to 2 decimal places. (e.g., 32.16)) d. Calculate FNB's spread. (Round your percentage answer to 2 decimal places. (e.g., 32.16))