The financial statements for First National Bank $($FNB$)$ are shown below:

Balance Sheet First National Bank

Assets Liabilities and Equity

Cash $ $620$ Demand deposits $ $6,490$

Demand deposits from other FIs $2,200$ Small time deposits $10,500$

Investments $4,900$ Jumbo CDs $4,050$

Federal funds sold $2,535$ Federal funds purchased $3,100$

Loans $17,225$ Equity $3,050$

Reserve for loan losses $(2,825)$

Premises $2,535$

Total assets $ $27,190$ Total liabilities$/$equity $ $27,190$

Income Statement First National Bank

Interest income $ $3,450$

Interest expense $2,300$

Provision for loan losses $350$

Noninterest income $310$

Noninterest expense $590$

Taxes $90$

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$.,32\mathrm{.}16))$