State Bank's balance sheet is listed below. Market yields are in parentheses, and amounts are in millions.

Assets Liabilities and Equity Cash $ 20 Demand deposits $ 250 Fed funds (1.05%) 150 Savings accounts (1.5%) 20 3-month T-bills (5.25%) 150 MMDAs (2.5%) (no minimum 2-year T-notes (6.50%) 100 balance requirement) 340 8-year T-bonds (7.50%) 200 3-month CDs (4.2%) 120 5-year munis (floating rate) (8.20%, repriced 6-month CDs (4.3%) 220 @ 6 months) 50 1-year CDs (4.5%) 375 6-month consumer loans (6%) 250 2-year CDs (5%) 425 1-year consumer loans (5.8%) 300 4-year CDs (5.5%) 330 5-year car loans (7%) 350 5-year CDs (6%) 7-month C&I loans (5.8%) 350 200 Fed funds (1%) 225 2-year C&I loans (floating rate) (5.15%, repriced Overnight repos (1.25%) 290 @ 6 months) 275 6-month commercial paper (3%) 300 15-year variable-rate mortgages (5.8%, repriced Subordinate notes: @ 6 months) 200 3-year fixed rate (6.55%) 15-year variable-rate mortgages (6.1%, repriced Subordinated debt: 200 @ year) 400 7-year fixed rate (7.25%) 100 15-year fixed-rate mortgages (7.85%) 300 Total liabilities 30-year variable-rate mortgages (6.3%, repriced $3,545 @ quarter) 225 30-year variable-rate mortgages (6.4%, repriced @ month) 355 30-year fixed-rate mortgages (8.2%) 400 Premises and equipment 20 Equity 400 Total assets $3,945 Total liabilities and equity $3,945