Two depository Institutions have composite CAMELS ratings of 1 or 2 and are well capitalized. Thus, each institution falls into the Check my world 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, AMEL, and components. respectively. Further, the institutions have the following financial ratios and CAMELS ratings: Financial Ratios: Institution Institution Leverage Ratio 3.76 Nonperforming Loans and Leases/Gross 7.89 Assets 8.49 0.64 Other Real Estate Owned/Gross Assets 8.5e 0.60 Net Income Before Taxes/Total Assets 2.29 1.25 Brokered Deposit Ratio 3.15 1.65 One-Year Asset Growth 7.75 5.25 Loans as a Percent of Total Assets Construction & Development 0.54 0.44 Commercial & Industrial 16.76 12.30 Leases 1.85 2.95 Other Consumer 18.65 18.35 Loans to Foreign Government 8.se 0.18 Real Estate Loans Residual 2.ee Multifamily Residential 1.20 8.55 Non farm Nonresidential 3.ee 0.00 1-4 Family Residential 36.24 34.10 Loans to Depository Banks 2.10 0.70 Agricultural Real Estate 1.10 4.25 1.80 5.60 Agriculture CAMELS components c A M E L 1 1 1 2 1 NNM CAMELS components: 1 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 Initial assessment rate Two depository Institutions have composite CAMELS ratings of 1 or 2 and are well capitalized. Thus, each institution falls into the Check my world 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, AMEL, and components. respectively. Further, the institutions have the following financial ratios and CAMELS ratings: Financial Ratios: Institution Institution Leverage Ratio 3.76 Nonperforming Loans and Leases/Gross 7.89 Assets 8.49 0.64 Other Real Estate Owned/Gross Assets 8.5e 0.60 Net Income Before Taxes/Total Assets 2.29 1.25 Brokered Deposit Ratio 3.15 1.65 One-Year Asset Growth 7.75 5.25 Loans as a Percent of Total Assets Construction & Development 0.54 0.44 Commercial & Industrial 16.76 12.30 Leases 1.85 2.95 Other Consumer 18.65 18.35 Loans to Foreign Government 8.se 0.18 Real Estate Loans Residual 2.ee Multifamily Residential 1.20 8.55 Non farm Nonresidential 3.ee 0.00 1-4 Family Residential 36.24 34.10 Loans to Depository Banks 2.10 0.70 Agricultural Real Estate 1.10 4.25 1.80 5.60 Agriculture CAMELS components c A M E L 1 1 1 2 1 NNM CAMELS components: 1 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 Initial assessment rate
