Use the data from the following Balance Sheet to calculate the Net Interest Margin:

a. 6.15% b. 2.09% c. 3.59% d. 3.18%

Rate sensitive Fixed rate Non-earning Balance Sheet Total $1,300 Equity \begin{tabular}{rr} \hline$ & 80 \\ \hline \hline$1,600 \end{tabular}