The financial statements for THE Bank are shown below:

Balance Sheet THE Bank

Assets Liabilities and Equity

Cash $ $250$ Demand deposits $ $2,500$

Demand deposits from other FIs $650$ Small time deposits $4,850$

Investments $1,850$ Jumbo CDs $1,475$

Federal funds sold $950$ Federal funds purchased $1,050$

Loans $6,950$ Equity $975$

Reserve for loan losses $(600)$

Premises $800$

Total assets $ $10,850$ Total liabilities$/$equity $ $10,850$

Income Statement THE Bank

Interest income $ $2,460$

Interest expense $1,680$

Provision for loan losses $100$

Noninterest income $290$

Noninterest expense $460$

Taxes $90$

a$.$ Calculate THE Bank$$s earning assets.

b$.$ Calculate THE Bank$$s ROA. $($Round your percentage answer to $3$ decimal places. $($e$.$g$.,32\mathrm{.}161))$

c$.$ Calculate THE Bank$$s total operating income.

d$.$ Calculate THE Bank$$s spread. $($Do not round intermediate calculations. Round your percentage answer to $3$ decimal places. $($e$.$g$.,32\mathrm{.}161))$