Suppose total assets of Future Bank equal to $80 million, be made up of $20 million in cash, $40 million in loans, and $20 million in fixed assets. Future has customer deposits of $30 million, non-deposit borrowings of $30 million, and equity of $20 million. Bank managers expect that market interest rates are to decrease and this causes a net drain of $5 million in customer deposits over the year. The average interest rate attached to deposits is 6 percent and the average interest rates attached to loans is 9 percent. Managers decides to (and can) reduce its loan portfolio to address this expected demand for liquidity. What will be the net effect of implementing this strategy on interest income?