There are no material inter-segment sales or transfers. Our loan portfolio generates interest income and fees from the loans we retain. For the quarter ended December 31, 2019, our assets exceeded $10 billion. Loan and Lease Quality and Credit Risk. Customers can scan checks with this remote deposit solution from their home computers. Rate Paid Average Balance Interest Expense Avg. The Bank has federal funds lines of credit with two major banks totaling $35.0 million. As of June 30, 2020, there was $21.5 million outstanding. REGULATIONGENERALWe are subject to comprehensive regulation under state and federal laws. REGULATION OF FINANCIAL HOLDING COMPANY.General. Compliance with these provisions could result in increased costs. The weakness of other financial institutions could adversely affect us. "Changes in the value of goodwill and other intangible assets could reduce our earnings. Our investment advisory business is registered with the SEC under the Advisers Act. We rely primarily upon deposits and FHLB advances. The FHLB is subject to regulation and other factors beyond our control. Our business strategy depends on our ability to remain competitive. Historically, California has been vulnerable to natural disasters.