Prepare a december 31 balance sheet from the following information: million investment securities $130 Demand deposits 170 Federal funds purchased 105 Total (gross) loans 644 Cash and due from banks 98 Savings and time deposits 555 Net loans 636 Bank premises and equipment 33 Other assets 10 Accumulated retained earnings 43 Federal funds sold 22 Other borrowed funds 12 Other real estate owned 4 Allowance for loan and lease losses 8 Capital surplus 30 Long-term debt 10 Other liabilities 8.