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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

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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 components, respectively. Further, the institutions have the following financial ratios and CAMELS ratings: Institution Institution Financial Ratios: Leverage Ratio 8.75 7.88 Nonperforming Loans and Leases/Gross Assets 0.48 0.63 Other Real Estate Owned/Gross Assets 0.60 0.66 Net Income Before Taxes/Total Assets 2.28 1.80 Brokered Deposit Ratio 3.00 1.80 One-Year Asset Growth 7.55 5.40 Loans as a Percent of Total Assets: Construction & Development 0.53 0.43 Commercial & Industrial 16.36 12.55 Leases 1.80 0.65 Other Consumer 18.60 18.30 Loans to Foreign Government 0.55 0.05 Real Estate Loans Residual 0.00 0.00 Multifamily Residential 1.15 0.60 Nontarm Nonresidential 0.00 0.00 1-4 Family Residential 36.78 33.54 Loans to Depository Banks 1.95 0.85 Agricultural Real Estate 1.30 4.30 Agriculture 2.20 5.20 CAMELS components: c 3 A 2 M L 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 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

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