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.