A financial institution has the following simplified market value balance sheet: Cash 4,000 CD 15,000 Bond 16,000 Equity 5,000 Total Assets 20,000 Total Liabilities and Equity 20,000 The bond has 20 years to maturity, a fixed coupon rate of 5%, and face value of 20,000. The CD has a fixed rate of 3% and 1 year to maturity. Calculate all answers to the nearest dollar (no decimals) a) calculate net interest income at the end of the first year: b) If market interst rates have increased by 80 basis points at the end of year 1, calculate net interest income at the end of the second year