Silverthorne State Bank's balance sheet lists the following assets and liabilities & capital including their corresponding balances: Assets: required reserves $50; commercial loans-floating rate $100; commercial loans-fixed rate $300; consumer loans $150; mortgages-floating rate $400; mortgages-fixed rate $225; and corporate bonds-AAA rated $75. Liabilities & capital: demand deposits $45; NOW accounts $150; MMDAs $250; CDs (short-term) $500; federal funds purchased $25; and capital $330. Silverthorne wants to assess its interest rate risk. What is the bank's gap?