Names Find: (1) net interest income, (2) net interest margin, (3) the SGAP, and (4) the GAP ratio given the following. Also, knowing the GAP, comment on bank profitability should interest rates increase: 5 Texas Independence Bank has the following balance sheet in millions: Assets Liabilities & Equity 3-year fixed rate loans (9%) $35 Demand Deposits (0%) $12 30-year fixed rate mortgages (10%) 11 Fed Funds Purchased (7%) 30 Land & Buildings Equity Total Assets $50 Total Liabilities & Equity $50