The following is the balance sheet of Boston Bank. The average maturity of demand deposits is estimated at 2 years.

	Face Value	Runoff <1-year		Face Value	Runoff <1-year
3-month T-Bills	$60m		Demand deposit	$180m	10 percent
2-year Bonds	$60m	5 percent	Equity	$20m
5-year Bonds	$80m	10 percent

What is the impact on net interest income in year two if interest rates increase by 50 basis points at the end of year one? Ignore runoffs.