10. Integrated bank management Consider the following subsection of Reliance's balance sheet, as compared to industry averages. (Note: Each balance sheet component is measured as a percentage. For assets, these percentages represent the percentage of total assets. For liabilities, the percentages represent the percentage of total abilities) Liabilities and Capital Percent of Assets for Reliance Bank Average Percent for Industry ak NOW accounts 13 MMDAS 20 20 CDs Short-term 15 30 1-5 Years 40 10 Long-term bonds 2 2 CAPITAL lower higher Based on Reliance's liabilities (excluding demand deposits), Reliance's interest expenses should be than the industry average