These reports are also available on the SEC\'s website at http://www.sec.gov. The underwriting of correspondent loans is performed by the Bank\'s underwriters. The Bank also originates a very limited amount of unsecured loans. Loans Receivable and Allowance for Credit Losses" for asset classification definitions. Summary of Significant Accounting Policies" for additional information. Based on our experience, we believe that our deposits are stable sources of funds. Historically, our term borrowings have consisted primarily of FHLB advances. CFMRC stopped writing new business for the Bank in January 2010. Each wholly-owned subsidiary is reported with the Company on a consolidated basis. As of September 30, 2020, the Bank met the QTL test. The Bank is subject to periodic examinations by the OCC. The Bank received $2.8 million in credits to apply to FDIC assessments. Regulatory Capital Requirements. The CBLR provides for a simple measure of capital adequacy for qualifying institutions. The OCC may impose further restrictions. At September 30, 2020, the Bank had no outstanding borrowings from the discount window. Federal Savings and Loan Holding Company Regulation. Ms. Haag was employed by Security Benefit since 2003. There is also concern about resurgences of COVID-19 as we move into the winter months. We purchase whole one- to four-family loans from correspondent and nationwide lenders. Our customers are also targets of cyber-attacks and identity theft. Our profitability depends upon our ability to compete in our local market areas.
