What is 1st National's asset utilization ratio?

First National Bank
	Assets
Cash & Due from Banks			$65
Investments			$220
Fed Funds Sold			$95
Loans & Leases			$525
Premises			$60
Avg Total Assets			$965
	Liabilities & Equity
Demand Deposits			$340
Time Deposits			$320
Fed Funds Purchased			$200
Equity			$105
Avg Tot Liabilities & Equity			$965
	Income Statement
Interest Income			$150
Interest Expense			$120
Non-Interest Income			$26
Non-Interest Expense			$41
Net Income			$15

	a.	5.8%
	b.	1.1%
	c.	10%
	d.	18.2%
	e.	15.0%