At December 31, 2020, the Bank was our only banking subsidiary. At December 31, 2020, we had consolidated total assets of approximately $2,004,096,000. Regulation W codifies interpretive guidance with respect to affiliate transactions. The DFPI has many of the same remedial powers. The Bank is eligible to accept brokered deposits without limitations. The principal source of cash revenue to the Company is dividends received from the Bank. CET1 capital is generally defined as common stockholders' equity and retained earnings. The Bank has extensive controls in place to comply with these requirements. The Bank is subject to deposit insurance assessments to maintain the DIF. Accordingly, we are committed to the health, safety and wellness of our employees. This Annual Report is qualified in its entirety by these risk factors. The COVID-19 pandemic has caused disruption to our customers, vendors and employees. We are also significantly affected by the level of loan demand available in our market. Risks Related to our Lending ActivitiesAgribusiness lending presents unique credit risks. We may suffer losses in our loan portfolio despite our underwriting practices.