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