The financial statements for Peoples National Bank (PNB) are shown below: Peoples National Bank Balance Sheet As of December 31, 20XX Assets Liabilities & Equity Cash 600 Demand deposits 5,590 Demand Deposits from other FIs 1,890 Small time deposits 9,867 Investment 3,680 Jumbo CDs 3,198 Federal funds sold 1,988 Federal funds purchased 2,500 Loans 16,145 Equity 3,728 Reserve for loan losses (1,040) Premises 1,620 Total Assets 24,883 Total Liabilities and Equity 24,883 Peoples National Bank Income Statement For the Year Ended December 31, 20XX Interest on fees and loan 1,200 Interest on investment securities 700 Interest on repurchase agreement 780 Interest on deposits in banks 265 Total Interest Income 2,945 Interest on deposits 945 Interest on debentures 689 Total Interest Expense 1,634 Provision for loan losses 140 Noninterest income 185 Noninterest expense 281 Total 236 Income before taxes 1,075 Taxes 215 Net Income 860 Analyze the following eight ratios for PNBs financial statements: Earning Assets, Return on Assets, Total Operating Income, Asset Utilization, Net Interest Margin, Spread, Overhead Efficiency, and Tax Ratios. Compare the results of PNBs ratios to the banking industry average. Then, interpret the results of the comparison. Complete your 2-4 page response using Microsoft Word and/or Excel. For calculations, you must show work