The financial statements for First National Bank (FNB) are shown below: Balance Sheet First National Bank Assets Liabilities and Equity Cash $ 460 Demand deposits Demand deposits from other FIS 1,400 Small time deposits Investments 4,100 Jumbo CDs Federal funds sold 2,055 Federal funds purchased Loans 15,625 Equity Reserve for loan losses (1,225) Premises 1,735 Total assets $24,150 Total liabilities/equity $ 5,450 10,900 3,250 2,300 2,250 $ 24,150 Income Statement First National Bank Interest income $ 2,650 Interest expense 1,680 Provision for loan losses 190 Noninterest income 150 Noninterest expense 430 Taxes 100 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 FNB's ROA b. % C. FNB's asset utilization ratio % d. FNB's spread %