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

Balance Sheet First National Bank

Assets

Cash: $480

demand deposits from other FIs:1,500

Investments: 4,200

Federal funds sold: 2,115

loans: 15,825

reserve for loan losses: (1,425)

premises: 1,835

Total assets: 24,530

Liabilities ans Equity

Demand deposits: $5,330

small time deposits: 11,100

Jumbo CDs: 3,350

Federal Funds purchased: 2,400

equity: 2,350

Income statement First National Bank

Interest income: $2,750

interest expense: 1,760

provision for loan losses: 210

noninterest income: 170

noninterest expense: 450

taxes: 70

a.Calculate the dollar value of FNB's earning assets.

b.Calculate the 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)

d.Calculate FNB's spread. (Round your answer to 2 decimal places)

a.FNB's earning assets __________

b.FNB's ROA _________ %

c.FNB's asset utilization ratio ________ %

d.FNB's spread _________ %