(A) Use the balance sheet shown below for United First Bank (UFB) to answer the following questions:

Balance Sheet of United First Bank as of December 31, 2017 (thousands of dollars)
Assets			Liabilities & Capital
Required reserves	$90		Demand deposits	$35
Federal funds sold	$30		NOW accounts	$210
90-day T-bills	$75		MMDAs	$340
180-day T-notes	$120		3-month CDs	$250
5-year T-bonds	$480		5-year CDs	$795
Fixed-rate consumer loans	$150		6-month commercial paper	$40
Floating-rate commercial loans	$170		Fixed-rate bonds	$430
Fixed-rate commercial loans	$325		Equity capital	$900
Floating-rate mortgages	$125		Total Liabilities & Capital	$3,000
Fixed-rate mortgages	$735
Other fixed assets	$700
Total Assets	$3,000

Question 1. Estimate UFBs maturity gap. Check figure: Maturity gap = $-320.