The financial statements for First National Bank (FNB) are shown below: Balance Sheet First National Bank Assets Liabilities and Equity Cash $ 450 Demand deposits Demand deposits from other FIS 1,350 Small time deposits Investments 4,050 Jumbo CDs Federal funds sold 2,025 Federal funds purchased Loans 15,525 Equity Reserve for loan losses (1,125) Premises 1,685 Total assets $23,960 Total liabilities/equity $ 5,510 10,800 3,200 2,250 2,200 $23,960 Income Statement First National Bank Interest income $2,600 Interest expense 1,650 Provision for loan losses 180 Noninterest income 140 Noninterest expense 420 Taxes 90 a. Calculate the dollar value of FNB's earning assets. b. Calculate FNB's ROA. (Round your answer to 2 decimal places. (e.g., 32.16)) Noninterest income Noninterest expense Taxes 140 420 90 a. Calculate the dollar value of FNB's earning assets. b. Calculate FNB'S ROA. (Round your answer to 2 decimal places. (e.g., 32.16)) c. Calculate FNB's asset utilization ratio. (Round your answer to 2 decimal places. (e.g., 32.16)) d. Calculate FNB's spread. (Round your answer to 2 decimal places. (e.g., 32.16)) a % FNB's earning assets b. FNB's ROA C. FNB's asset utilization ratio d. FNB's spread % %