text: sensitive assets to interest sensitive liabilities was 58.73%. 
  
  Management estimates that, as of December 31, 2002, an upward shift of interest rates by 150 basis points 
  would result in a 4.5% increase in projected net interest income over the next twelve months, and a downward shift 
  of interest rates by 150 basis points would result in a 7.1% reduction in projected net interest income over the next 
  twelve months. These are good faith estimates and assume that the composition of our interest sensitive assets and 
  
  26 