Refer to Table 1320, Table 1321, Table 1323 and Table 1324. 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. Weights for the CAMELS components to calculate the weighted average CAMELS rating are 25 percent, 20 percent, 25 percent, 10 percent, 10 percent, and 10 percent for the C, A, M, E, L, and S components, respectively. Further, the institutions have the following financial ratios and CAMELS ratings:
| | Institution A | Institution B |
| Financial Ratios: | | |
| Leverage Ratio | 8.25 | 7.58 |
| Nonperforming Loans and Leases/Gross Assets | 0.25 | 4.55 |
| Other Real Estate Owned/Gross Assets | 0.54 | 0.75 |
| Net Income Before Taxes/Total Assets | 2.15 | 1.85 |
| Brokered Deposit Ratio | 84.56 | 79.68 |
| One-Year Asset Growth | 5.66 | 7.75 |
| Loans as a Percent of Total Assets: | | |
| Construction & Development | 0.40 | 0.30 |
| Commercial & Industrial | 11.35 | 15.66 |
| Leases | 0.45 | 1.05 |
| Other Consumer | 16.50 | 16.80 |
| Loans to Foreign Government | 0.00 | 0.60 |
| Real Estate Loans Residual | 0.00 | 0.00 |
| Multifamily Residential | 0.50 | 1.25 |
| Nonfarm Nonresidential | 0.00 | 0.00 |
| 14 Family Residential | 38.85 | 40.15 |
| Loans to Depository Banks | 0.00 | 2.80 |
| Agricultural Real Estate | 4.55 | 0.00 |
| Agriculture | 7.40 | 0.00 |
| CAMELS components: | | |
| C | 1 | 1 |
| A | 2 | 2 |
| M | 1 | 2 |
| E | 2 | 3 |
| L | 1 | 1 |
| S | 2 | 1 |
Calculate the initial deposit insurance assessment rate for each institution. (Do not round intermediate calculations. Round your answers to 2 decimal places. (e.g., 32.16))
Refer to Table 1320, Table 1321, Table 1323 and Table 1324. Table 13-20 Two depository institutions have composite CAMELS ratings of 1 or 2 and are "well capitalized." Thus, each institution falls into the FDIC Risk Category 1 deposit insurance assessment scheme. Weights for the CAMELS components to calculate the weighted average CAMELS rating are 25 percent, 20 percent, 25 percent, 10 percent, 10 percent, and 10 percent for the C, A, M, E, L, and S components, respectively. Further, the institutions have the following financial ratios and CAMELS ratings: 3-30 Large and Established Small Bank Highly Complex Institutions 3-30 -5-0 -5-0 0-10 1.5-30 1.5-40 Initial base assessment rate Unsecured debt adjustment Brokered deposit adjustment Total base assessment rate Table 1321 Institution Institution B Risk Category I 7 Risk Category II 12 0-10 12-22 8.25 Initial base assessment rate Brokered deposit adjustment Total base assessment rate 7.58 Risk Category Risk Category III IV 19 30 0-10 0-10 19-29 30-40 7 0.25 0.54 2.15 84.56 5.66 4.55 0.75 1.85 79.68 7.75 Table 13-23 1.60 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: A M E L S 0.40 11.35 0.45 16.50 0.00 0.00 0.50 0.00 38.85 0.00 4.55 7.40 0.30 15.66 1.05 16.80 0.60 0.00 1.25 0.00 40.15 2.80 0.00 0.00 Construction and development Commercial and industrial Leases Other consumers Loans to foreign government Real estate loans residual Multifamily residential Nonfarm nonresidential 1-4 family residential Loans to depository banks Agricultural real estate Agriculture Sum (loan mix index) Weighted Loan Category as Product of Two charge-off Rate Prcentage of Total Columns to the (percent) Assets Left 4.50 1.40 6.30 24.24 38.78 1.50 0.64 0.96 1.46 14.93 21.80 1.34 0.24 0.32 1.02 0.11 0.11 0.88 2.42 2.13 0.73 13.71 10.01 0.70 0.58 1.15 0.67 0.24 3.43 0.82 0.24 5.91 1.42 70.45 84.91 2.27 1.59 1 2 FD3 1 2 1 2 1 2 PPWNNA Table 13-24 Calculate the initial deposit insurance assessment rate for each institution. (Do not round intermediate calculations. Round your answers to 2 decimal places. (e.g., 32.16)) 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 Institution A Institution B Initial assessment rate Refer to Table 1320, Table 1321, Table 1323 and Table 1324. Table 13-20 Two depository institutions have composite CAMELS ratings of 1 or 2 and are "well capitalized." Thus, each institution falls into the FDIC Risk Category 1 deposit insurance assessment scheme. Weights for the CAMELS components to calculate the weighted average CAMELS rating are 25 percent, 20 percent, 25 percent, 10 percent, 10 percent, and 10 percent for the C, A, M, E, L, and S components, respectively. Further, the institutions have the following financial ratios and CAMELS ratings: 3-30 Large and Established Small Bank Highly Complex Institutions 3-30 -5-0 -5-0 0-10 1.5-30 1.5-40 Initial base assessment rate Unsecured debt adjustment Brokered deposit adjustment Total base assessment rate Table 1321 Institution Institution B Risk Category I 7 Risk Category II 12 0-10 12-22 8.25 Initial base assessment rate Brokered deposit adjustment Total base assessment rate 7.58 Risk Category Risk Category III IV 19 30 0-10 0-10 19-29 30-40 7 0.25 0.54 2.15 84.56 5.66 4.55 0.75 1.85 79.68 7.75 Table 13-23 1.60 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: A M E L S 0.40 11.35 0.45 16.50 0.00 0.00 0.50 0.00 38.85 0.00 4.55 7.40 0.30 15.66 1.05 16.80 0.60 0.00 1.25 0.00 40.15 2.80 0.00 0.00 Construction and development Commercial and industrial Leases Other consumers Loans to foreign government Real estate loans residual Multifamily residential Nonfarm nonresidential 1-4 family residential Loans to depository banks Agricultural real estate Agriculture Sum (loan mix index) Weighted Loan Category as Product of Two charge-off Rate Prcentage of Total Columns to the (percent) Assets Left 4.50 1.40 6.30 24.24 38.78 1.50 0.64 0.96 1.46 14.93 21.80 1.34 0.24 0.32 1.02 0.11 0.11 0.88 2.42 2.13 0.73 13.71 10.01 0.70 0.58 1.15 0.67 0.24 3.43 0.82 0.24 5.91 1.42 70.45 84.91 2.27 1.59 1 2 FD3 1 2 1 2 1 2 PPWNNA Table 13-24 Calculate the initial deposit insurance assessment rate for each institution. (Do not round intermediate calculations. Round your answers to 2 decimal places. (e.g., 32.16)) 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 Institution A Institution B Initial assessment rate
