FORMULAS: Net Interest Margin (Interest revenues - Interest expenses) Assets Gap - Rate sensitive assets-Rate sensitive liabilitics Gap Ratio = (Rato sensitive assets/Rate sensitive liabilities) ROA = (Net profit after taxes y Assets ROE - (Net profit after taxes Equity: ROE-ROA x leverage measure [(Net income Equity capital] - (Net income) Total assets] x [Total assets/Equity capital] DURGAP-DURAS - IDURLIABX (LIAB/AS)] Petri Bank had interest revenues of $70 million last year and $30 million in interest expenses. About $500 million of Petri's $800 million in assets are rate-sensitive, while $600 million of its liabilities are rate-sensitive. Petri Bank's gap ratio is and thus the bank should be concerned about interest rates 83: declining 1.33, rising 56: declining 56; rising 83 rising