Operator
Your next question will come from the line of Brady Gaily from KBW. Please proceed.
Brady Gailey, KBW
Hey, good morning guys. About the margin, I just wanted to clarify. The 3.80% to 4% is that for the full year 2015, or is that by the end of 2015?
Leslie Lunak, Chief Financial Officer
Yes. That’s for the full year, Brady.
Brady Gailey, KBW
That’s full year? Okay. And then do you all have any sense, like when you put all this through the model and you look at the full-year 2015 EPS, do you think that will be above or below 2014 reported EPS?
John Kanas, Chairman, President and CEO
It is going to be – this is about as unscientific as you can get, but when we put it through the model and look at it, considering that it will be weaker in the first half and stronger in the second half, probably comes out pretty close to ’15 — I’m sorry to ’14.
Brady Gailey, KBW
Yes. Okay. And then on the rate sensitivity, I know you are trying to keep it neutral, but it seems like in a year or so, with your growth, you are going to have to start matching loan growth with deposit growth. And at the pace you all are growing, maybe you have to start paying up for some of that deposit growth. And maybe you are really a smidge liability-sensitive. How do you think about the funding issue as you start to get to kind of a stable loan to deposit ratio going forward?
Leslie Lunak, Chief Financial Officer
So Brady, that probability of having to pay up a little bit for deposits when we reach that point is factored into our modeling. And even given that in the rate environment that underlies our model which is a modest increase in rates beginning in late ’15 and some flattening of the curve, even given that, we still see net interest income growing in that rate environment. The existing balance sheet is almost entirely rate neutral and the dynamic balance sheet is slightly asset sensitive, Brady, even with factoring that in.
Brady Gailey, KBW
Okay. That’s helpful. And then finally, we’ve seen Susquehanna go. We just saw City National go. A lot of these banks are larger banks that are selling. It seems like with your currency where it is, it’s going to be hard for you all to really be a buyer. But how — I know you all tested the waters there for a week a couple of years ago, but how do you all think about potentially selling this company given the increased activity in kind of this mid-cap, larger-bank M&A space?
John Kanas, Chairman, President and CEO
We’ve said this before, we’re owners and managers here. So we sit here – and we don’t think about buying or selling frankly. We think about creating more value. We are quite agnostic toward the way that we create a transaction. So we’ve looked at — quite frankly we’ve looked at all kinds of things that you might think of them as mergers of equals. You might think of them as acquisitions. You might think of them as sales depending upon how the structures come to be. But we are realists here and we understand that this is a hostile banking environment and not likely to get much better. And I think that mid-cap banks who basically take deposits and make loans for a living, are going to be under a lot of pressure and continue to be under a lot of pressure. We hope that everybody else understands that as well and that some of these conversations that are not just dialogue will turn into value creating transactions.
