This could both prolong the recession and make any recovery weaker. We will continue to grow and create value for our shareholders. We also offer a peer mentor program, leadership, and customer service training. Such data does not reflect deposits held by credit unions. This competition for loans has increased substantially in recent years. At December 31, 2020, home equity loans totaled $92.7 million. Such loans are fully amortized over the life of the loan. In addition, we consider the financial strength and reputation of the lead lender. The Bank is responsible for pursuing repossession if the borrower defaults on payments. We generally require appraisals of all real property securing loans. The specific component relates to loans that are classified as impaired. At December 31, 2020, all MBS's had fixed rates of interest. Deposits are generated primarily from residents within the Company's market area. Based on experience, the Company believes that its deposits are relatively stable. The Bank's deposit accounts are insured up to applicable limits by the FDIC. At December 31, 2020, the Bank met the criteria for being considered "well capitalized. On September 30, 2018, the 1.35% ratio was exceeded, reaching 1.36%. Prohibitions Against Tying Arrangements. The Bank is a member of the FHLB System, which consists of 12 regional FHLBs. Holding Company RegulationGeneral. The CNI tax rate in 2020 and 2019 was 9.99%. In addition, we have unfunded commitments to extend credit to customers. Our nonperforming assets adversely affect our net income in various ways.