5 points Two depository institutions have composite CAMELS ratings of 1 or 2 and are "well capitalized." Thus, each institution falls into the FDIC Risk Category I deposit insurance assessment scheme. Further, the institutions have the following financial ratios and CAMELS ratings: Use Table 13-11 Tier I leverage ratio (%) Net income before taxes/risk-weighted assets (%) Nonperforming loans and leases/gross assets (%) Other real estate owned/gross assets (%) Brokered deposits/total assets (%) One year asset growth Loans as a Percentage of Total Assets: Construction & Development Commercial & Industrial Leases Other Consumer Loans to Foreign Government Real Estate Loans Residual Multifamily Residential Nonfarm Nonresidential Institution A Institution B 0.78 7.91 2.31 1.65 0.51 0.66 0.30 0.48 3.45 3.35 7.55 4.95 0.00 17.56 0.00 11.80 1.05 1.35 18.75 18.45 0.40 0.20 0.00 0.00 1.15 0.55 0.00 0.00 1-4 Family Residential 37.32 35.22 Loans to Depository Banks 2,40 0.65