What kind of futures or options hedges would be called for in the following situations? Caufield Thrift Association finds that its assets have an average duration of 1.5 years and its liabilities have an average duration of 1.1 years. The ratio of liabilities to assets is .90. Interest rates are expected to increase by 50 basis points during the next six months. If you deposited the required initial margin on April 10 and have not touched the equity account since making that cash deposit, what is your equity account balance?