A financial institution has the following market value balance sheet structure: The bond has a to-year maturity, a fixed-rate coupon of 10 percent paid at the end of each year, and a par value of $10,000. The certificate of deposit has a 1-year maturity and a 6 pereent fixed rate of interest. The Fl expects no additional asset growth. What will be the net interest income (NII) at the end of the first year? $400 5340 $600 $640 $540