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

Balance Sheet First National Bank
Assets					Liabilities and Equity
Cash	$	490			Demand deposits	$	5,270
Demand deposits from other FIs		1,550			Small time deposits		11,200
Investments		4,250			Jumbo CDs		3,400
Federal funds sold		2,145			Federal funds purchased		2,450
Loans		15,925			Equity		2,400
Reserve for loan losses		(1,525	)
Premises		1,885
Total assets	$	24,720			Total liabilities/equity	$	24,720

Income Statement First National Bank
Interest income	$	2,800
Interest expense		1,810
Provision for loan losses		220
Noninterest income		180
Noninterest expense		460
Taxes		80

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))