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

Balance Sheet First National Bank

Assets Liabilities and Equity

Cash $ $600$ Demand deposits $ $6,410$

Demand deposits from other FIs $2,100$ Small time deposits $10,500$

Investments $4,800$ Jumbo CDs $3,950$

Federal funds sold $2,475$ Federal funds purchased $3,000$

Loans $17,025$ Equity $2,950$

Reserve for loan losses $(2,625)$

Premises $2,435$

Total assets $ $26,810$ Total liabilities$/$equity $ $26,810$

Income Statement First National Bank

Interest income $ $3,350$

Interest expense $2,260$

Provision for loan losses $330$

Noninterest income $290$

Noninterest expense $570$

Taxes $70$

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