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

Balance Sheet First National Bank
Assets					Liabilities and Equity
Cash	$	580			Demand deposits	$	6,530
Demand deposits from other FIs		2,000			Small time deposits		10,300
Investments		4,700			Jumbo CDs		3,850
Federal funds sold		2,415			Federal funds purchased		2,900
Loans		16,825			Equity		2,850
Reserve for loan losses		(2,425	)
Premises		2,335
Total assets	$	26,430			Total liabilities/equity	$	26,430

Income Statement First National Bank
Interest income	$	3,250
Interest expense		2,100
Provision for loan losses		310
Noninterest income		270
Noninterest expense		550
Taxes		90

a. Calculate the dollar value of FNBs earning assets. b. Calculate FNBs ROA. (Round your answer to 2 decimal places. (e.g., 32.16)) c. Calculate FNBs asset utilization ratio. (Round your answer to 2 decimal places. (e.g., 32.16)) d. Calculate FNBs spread. (Round your answer to 2 decimal places. (e.g., 32.16))