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 $8\mathrm{.}657\mathrm{.}78$

Nonperforming Loans and Leases$/$Gross Assets $0\mathrm{.}380\mathrm{.}53$

Other Real Estate Owned$/$Gross Assets $0\mathrm{.}550\mathrm{.}42$

Net Income Before Taxes$/$Total Assets $2\mathrm{.}182\mathrm{.}00$

Brokered Deposit Ratio $1\mathrm{.}503\mathrm{.}30$

One$-$Year Asset Growth $6\mathrm{.}056\mathrm{.}90$

Loans as a Percent of Total Assets:

Construction & Development $0\mathrm{.}430\mathrm{.}33$

Commercial & Industrial $12\mathrm{.}3615\mathrm{.}05$

Leases $1\mathrm{.}300\mathrm{.}90$

Other Consumer $17\mathrm{.}5017\mathrm{.}20$

Loans to Foreign Government $0\mathrm{.}150\mathrm{.}45$

Real Estate Loans Residual $0\mathrm{.}000\mathrm{.}00$

Multifamily Residential $0\mathrm{.}651\mathrm{.}10$

Nonfarm Nonresidential $0\mathrm{.}000\mathrm{.}00$

$14$ Family Residential $40\mathrm{.}4738\mathrm{.}85$

Loans to Depository Banks $0\mathrm{.}452\mathrm{.}35$

Agricultural Real Estate $3\mathrm{.}801\mathrm{.}50$

Agriculture $6\mathrm{.}201\mathrm{.}20$

CAMELS components:

C $21$

A $13$

M $11$

E $23$

L $11$

S $11$

Calculate the initial deposit insurance assessment rate for each institution. $($Do not round intermediate calculations. Round your answers to $3$ decimal places. $($e$.$g$.,32\mathrm{.}161))$

Table $1320$

Established Small Bank Large and Highly Complex Institutions

Initial base assessment rate $330330$

Unsecured debt adjustment $5050$

Brokered deposit adjustment $010$

Total base assessment rate $1\mathrm{.}5301\mathrm{.}540$

Table $1321$

Risk Category I Risk Category II Risk Category III Risk Category IV

Initial base assessment rate $7121930$

Brokered deposit adjustment $010010010$

Total base assessment rate $7122219293040$

Table $1323$

Weighted Charge$-$off Rate $($percent$)$ Loan Category as Prcentage of Total Assets Product of Two Columns to the Left

Construction and development $4\mathrm{.}501\mathrm{.}406\mathrm{.}30$

Commercial and industrial $1\mathrm{.}6024\mathrm{.}2438\mathrm{.}78$

Leases $1\mathrm{.}500\mathrm{.}640\mathrm{.}96$

Other consumers $1\mathrm{.}4614\mathrm{.}9321\mathrm{.}80$

Loans to foreign government $1\mathrm{.}340\mathrm{.}240\mathrm{.}32$

Real estate loans residual $1\mathrm{.}020\mathrm{.}110\mathrm{.}11$

Multifamily residential $0\mathrm{.}882\mathrm{.}422\mathrm{.}13$

Nonfarm nonresidential $0\mathrm{.}7313\mathrm{.}7110\mathrm{.}01$

$14$ family residential $0\mathrm{.}702\mathrm{.}271\mathrm{.}59$

Loans to depository banks $0\mathrm{.}581\mathrm{.}150\mathrm{.}67$

Agricultural real estate $0\mathrm{.}243\mathrm{.}430\mathrm{.}82$

Agriculture $0\mathrm{.}245\mathrm{.}911\mathrm{.}42$

Sum $($loan mix index$)70\mathrm{.}4584\mathrm{.}91$

Table $1324$

Model Measures in $2016$ Rule Pricing Multiplier

Uniform amount $7\mathrm{.}352$

Leverage ratio $(1\mathrm{.}264)$

Nonperforming loans and leases$/$gross assets $0\mathrm{.}942$

Other real estate owned$/$gross assets $0\mathrm{.}533$

Net income before taxes$/$total assets $(0\mathrm{.}720)$

Brokered deposit ratio $0\mathrm{.}264$

One$-$year asset growth $0\mathrm{.}061$

Weighted average CAMELS rating $1\mathrm{.}519$

Loan mix index $0\mathrm{.}081$