The Parent's primary business is the operation of its subsidiaries. For the year ended December 31, 2020, SDN had total revenue of $4.3 million. Additionally, we remain committed to maintaining a diversified revenue stream. Depository Institution Regulation. As a result, we do not manage our balance sheet to be compliant with these rules. Office of Foreign Assets Control Regulation. 17 - Table of Contents Insurance Regulation. The findings of the supervisory initiatives will be included in reports of examination. The FRB regulates the supply of money in order to influence general economic conditions. These loans are for the purchase of new or used automobiles. Any future FDIC insurance premium increases may adversely affect our earnings. The policies of the Federal Reserve impact us significantly. Changes in those policies are beyond our control and are difficult to predict. We are a fiduciary under ERISA. The value of our goodwill and other intangible assets may decline in the future. Our earnings and cash flows depend largely upon our net interest income. The soundness of other financial institutions could adversely affect us.