Viking Bank in Minnesota has the following Earnings and Profitability Analysis section on its Uniform Bank Performance Report for 2020 and 2019. OROA Analysis: Profitability Analysis: % of Average Earning Assets 12/31/2020 Bank PG1 4.54 3.47 1.17 0.92 3.36 2.54 2.04 3.87 1.83 IR% IE% NIM% NIR% NIE% Burden% 1.56 2.47 0.91 0.52 0.21 1.00 1.47 Tier1 Capital Equity/Assets% 9.24 9.56 PLL% OROA% 12/31/2019 Bank PG1 4.48 3.33 0.91 0.70 3.57 2.61 2.11 3.88 1.77 1.63 2.52 0.89 0.44 0.16 1.35 1.62 9.08 9.56 Part 1: OROA Trend & Peer Comparison Analysis: a. Do a Bank OROA Analysis based on trends in the NIM, Burden, and PLL% and explain why the Bank's OROA went down in 2020. Using the trends in the IR% and IE% explain why the NIM went down, and what kind of funding gap the Bank likely had. Also explain why the Burden % went up in 2020 based on the trends in the NIR% and NIE% b. Do a Peer OROA Analysis based on trends in the NIM, Burden, and PLL% for the PG1 and explain why the PG1's OROA went down in 2020. Using the trends in the IR% and IE% explain why the PG1 NIM went do3wn, and what kind of funding gap the PG1 likely had. Also explain why the PG1's Burden % went slightly up in 2020 based on the trends in the PG1's NIR% and NIE% c. Explain why the Bank has a lower OROA% than the PG1 in 2020 based on differences in the NIM, Burden%, and PLL% for the Bank versus the PG1. Then using the IR% and IE% differences explain why the Bank's NIM% is higher than the PG1 in 2020 and using the NIR% and NIE% differences explain why the Bank's Burden % is higher than the PG1 in 2020. d. Summarize the specific strengths and weaknesses of the Bank versus the PG1 in 2020 that you found in your analysis.