Security Atlantic Bank (SAB) has $40 million in commercial loans with an average interest rate of 1 1 .5 percent. The bank also has $30 million in consumer loans with an average interest rate of 15 percent. Finally, the bank owns $8 million in securities with an average rate of 9 percent.

SAB estimates that next year its commercial loan portfolio will fall to $38 million, and the rate will fall to 1 1 percent, its consumer loans will expand to $33 million with an average interest rate of 16 percent, and its government securities portfolio will increase to $10 million with an average rate of 8 percent.

Prepare an estimate of Security Atlantic's revenues for the coming year.