Assets	Market Value 000s	Rate	Duration (Years)	Liabilities and Equity	Market Value 000s	Rate	Duration (Years)
Cash	$ 1,175			DDA Depposits	$ 2,875	0.75%	1.05
Consumer Loans (4-year variable rate)	$ 1,750	3.50%	3.90	Time Deposits	$ 2,350	1.85%	2.75
Consumer Loans (3-year variable rate)	$ 2,295	2.75%	2.95	CD's	$ 2,295	3.65%	4.15
Commercial Loans (5-year variable rate)	$ 2,555	3.25%	4.85	MMDAs	$ 2,250	2.15%	2.25
Bonds A	$ 986	4.15%	3.77
Bonds B	$ 983	4.75%	4.56	Equity	$ (27)
Total	$ 9,743		-		$ 9,743		-

If interest rates decrese by 2% how much will net interest income change?

What will be the new net interest income and net interest margin?