Refer to Table 13-20. Table 13-21. Table 13-23 and Table 13-24. 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 8.76 7.89 0.49 0.50 2.29 3.15 7.75 0.64 0.60 1.75 1.65 5. 25 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 Non farm Nonresidential 1-4 Family Residential Loans to Depository Banks Agricultural Real Estate 0.54 16.76 1.85 18.65 0.50 0.00 1.29 0.00 36.24 2.10 1.10 0.44 12.30 0.95 18.35 0.10 0.00 0.55 0.00 34.10 0.70 4.25 Leases Other Consumer Loans to Foreign Government Real Estate Loans Residual Multifamily Residential Non farm Nonresidential 1-4 Family Residential Loans to Depository Banks Agricultural Real Estate Agriculture CAMELS components: 1.85 18.65 0.50 0.00 1.20 0.00 36.24 2.10 1.10 1.80 0.95 18.35 0.10 0.00 0.55 0.00 34.10 0.70 4.25 5.60 1 1 1 E L S 2 2 1 3 1 1 WOHNN 1 2 Calculate the initial deposit insurance assessment rate for each institution. (Do not roun intermediate calculations. Round your answers to 3 decimal places. (e.g., 32.161)) Institution A Institution B Initial assessment rate Table 13-20 Initial base assessment rate Unsecured debt adjustment Brokered deposit adjustment Total base assessment rate Large and Established Small Bank Highly Complex Institutions 3-30 3-30 -5-0 -5-0 0-10 1.5-30 1.5-40 ble 13-21 Risk Category 7 Initial base assessment rate Brokered deposit adjustment Total base assessment rate Risk Category IT 12 0-10 12-22 Risk Category III 19 10 19-29 Risk Category IV 30 0-10 30-40 7 Construction and development Commercial and industrial Lease Other consumers Loans to foreigo government Real estate loans residual Multifamily residential Non fanm nonresidential 14 felly residential Loans to depository banks Agricultural real estate Agriculture Sum (loan mix index) Weighted Loan Category a Product of Two Charge-off Rate Prcentage of Total Columns to the (percent) Assets Left 4.50 1.40 6.30 1.60 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 2.27 1.59 0.58 1.15 0.67 0.24 3.43 0.82 0.24 5.91 1.42 70.45 84.91 Table 13-24 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 sket.rowth 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 Refer to Table 13-20. Table 13-21. Table 13-23 and Table 13-24. 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 8.76 7.89 0.49 0.50 2.29 3.15 7.75 0.64 0.60 1.75 1.65 5. 25 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 Non farm Nonresidential 1-4 Family Residential Loans to Depository Banks Agricultural Real Estate 0.54 16.76 1.85 18.65 0.50 0.00 1.29 0.00 36.24 2.10 1.10 0.44 12.30 0.95 18.35 0.10 0.00 0.55 0.00 34.10 0.70 4.25 Leases Other Consumer Loans to Foreign Government Real Estate Loans Residual Multifamily Residential Non farm Nonresidential 1-4 Family Residential Loans to Depository Banks Agricultural Real Estate Agriculture CAMELS components: 1.85 18.65 0.50 0.00 1.20 0.00 36.24 2.10 1.10 1.80 0.95 18.35 0.10 0.00 0.55 0.00 34.10 0.70 4.25 5.60 1 1 1 E L S 2 2 1 3 1 1 WOHNN 1 2 Calculate the initial deposit insurance assessment rate for each institution. (Do not roun intermediate calculations. Round your answers to 3 decimal places. (e.g., 32.161)) Institution A Institution B Initial assessment rate Table 13-20 Initial base assessment rate Unsecured debt adjustment Brokered deposit adjustment Total base assessment rate Large and Established Small Bank Highly Complex Institutions 3-30 3-30 -5-0 -5-0 0-10 1.5-30 1.5-40 ble 13-21 Risk Category 7 Initial base assessment rate Brokered deposit adjustment Total base assessment rate Risk Category IT 12 0-10 12-22 Risk Category III 19 10 19-29 Risk Category IV 30 0-10 30-40 7 Construction and development Commercial and industrial Lease Other consumers Loans to foreigo government Real estate loans residual Multifamily residential Non fanm nonresidential 14 felly residential Loans to depository banks Agricultural real estate Agriculture Sum (loan mix index) Weighted Loan Category a Product of Two Charge-off Rate Prcentage of Total Columns to the (percent) Assets Left 4.50 1.40 6.30 1.60 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 2.27 1.59 0.58 1.15 0.67 0.24 3.43 0.82 0.24 5.91 1.42 70.45 84.91 Table 13-24 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 sket.rowth 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