The Tidewater State Bank has $1000 in total assets (all of which are earning assets) $700 of which will be replaced within the next 90 days. The bank also has $800 in total liabilities, $400 of which will be repriced within the next 90 days. Currently the bank is earning 8 percent on its assets and is paying 5 percent on its liabiliites. If interest rates do not change in the next 90 days, what is the bank's net interest margin?