Institution A Institution B 8.75 7.88 0.48 0.63 0.60 2.28 3.00 0.66 1.80 1.80 5.40 7.55 Financial Ratios: Leverage Ratio Nonperforming Loans and Leases/Gross Assets Other Real Estate Owned/Gross Assets Net Income Before Taxes/Total Assets Brokered Deposit Ratio One-Year Asset Growth Loans as a Percent of Total Assets: Construction & Development Commercial & Industrial Leases Other Consumer Loans to Foreign Government Real Estate Loans Residual Multifamily Residential Nonfarm Nonresidential 1-4 Family Residential Loans to Depository Banks Agricultural Real Estate Agriculture CAMELS components: M E L S 0.53 16.36 1.80 18.60 0.55 0.00 1.15 0.43 12.55 0.65 18.30 0.05 0.00 0.60 0.00 33.54 0.85 4.30 5.20 0.00 36.78 1.95 1.30 2.20 3 2 1 3 2 3 3 2 3 Calculate the initial deposit insurance assessment rate for each institution. (Do not round intermediate calculations. Round your answers to 3 decimal places. (e.g., 32.161)) Institution A Institution B Initial assessment rate Table 1320 Established Small Bank 3-30 -5-0 Initial base assessment rate Unsecured debt adjustment Brokered deposit adjustment Total base assessment rate Large and Highly Complex Institutions 3-30 -5-0 0-10 1.5-40 1.5-30 Table 1323 Product of TWO Columns to the Left 6.30 38.78 0.96 21.80 0.32 Construction and development Commercial and industrial Leases Other consumers Loans to foreign government Real estate loans residual Multifamily residential Nonfarm nonresidential 14 family residential Loans to depository banks Agricultural real estate Agriculture Sum (loan mix index) Weighted Charge-off Rate (percent) 4.50 1.60 1.50 1.46 1.34 1.02 0.88 0.73 0.70 0.58 0.24 0.24 Loan Category as Prcentage of Total Assets 1.40 24.24 0.64 14.93 0.24 0.11 2.42 13.71 2.27 1.15 3.43 5.91 70.45 0.11 2.13 10.01 1.59 0.67 0.82 1.42 84.91 Table 1324 Model Measures in 2016 Rule Uniform amount Leverage ratio Nonperforming loans and leases/gross assets Other real estate owned/gross assets Net income before taxes/total assets Brokered deposit ratio One-year asset growth Weighted average CAMELS rating Loan mix index Pricing Multiplier 7.352 (1.264) 0.942 0.533 (0.720) 0.264 0.061 1.519 0.081 Table 1321 Risk Category I Risk Category II 7 Initial base assessment rate Brokered deposit adjustment Total base assessment rate 12 0-10 12-22 Risk Category III 19 010 19-29 Risk Category IV 30 0-10 3040 7 Institution A Institution B 8.75 7.88 0.48 0.63 0.60 2.28 3.00 0.66 1.80 1.80 5.40 7.55 Financial Ratios: Leverage Ratio Nonperforming Loans and Leases/Gross Assets Other Real Estate Owned/Gross Assets Net Income Before Taxes/Total Assets Brokered Deposit Ratio One-Year Asset Growth Loans as a Percent of Total Assets: Construction & Development Commercial & Industrial Leases Other Consumer Loans to Foreign Government Real Estate Loans Residual Multifamily Residential Nonfarm Nonresidential 1-4 Family Residential Loans to Depository Banks Agricultural Real Estate Agriculture CAMELS components: M E L S 0.53 16.36 1.80 18.60 0.55 0.00 1.15 0.43 12.55 0.65 18.30 0.05 0.00 0.60 0.00 33.54 0.85 4.30 5.20 0.00 36.78 1.95 1.30 2.20 3 2 1 3 2 3 3 2 3 Calculate the initial deposit insurance assessment rate for each institution. (Do not round intermediate calculations. Round your answers to 3 decimal places. (e.g., 32.161)) Institution A Institution B Initial assessment rate Table 1320 Established Small Bank 3-30 -5-0 Initial base assessment rate Unsecured debt adjustment Brokered deposit adjustment Total base assessment rate Large and Highly Complex Institutions 3-30 -5-0 0-10 1.5-40 1.5-30 Table 1323 Product of TWO Columns to the Left 6.30 38.78 0.96 21.80 0.32 Construction and development Commercial and industrial Leases Other consumers Loans to foreign government Real estate loans residual Multifamily residential Nonfarm nonresidential 14 family residential Loans to depository banks Agricultural real estate Agriculture Sum (loan mix index) Weighted Charge-off Rate (percent) 4.50 1.60 1.50 1.46 1.34 1.02 0.88 0.73 0.70 0.58 0.24 0.24 Loan Category as Prcentage of Total Assets 1.40 24.24 0.64 14.93 0.24 0.11 2.42 13.71 2.27 1.15 3.43 5.91 70.45 0.11 2.13 10.01 1.59 0.67 0.82 1.42 84.91 Table 1324 Model Measures in 2016 Rule Uniform amount Leverage ratio Nonperforming loans and leases/gross assets Other real estate owned/gross assets Net income before taxes/total assets Brokered deposit ratio One-year asset growth Weighted average CAMELS rating Loan mix index Pricing Multiplier 7.352 (1.264) 0.942 0.533 (0.720) 0.264 0.061 1.519 0.081 Table 1321 Risk Category I Risk Category II 7 Initial base assessment rate Brokered deposit adjustment Total base assessment rate 12 0-10 12-22 Risk Category III 19 010 19-29 Risk Category IV 30 0-10 3040 7