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	8.80	7.93
Nonperforming Loans and Leases/Gross Assets	0.53	0.68
Other Real Estate Owned/Gross Assets	0.15	0.45
Net Income Before Taxes/Total Assets	2.33	1.95
Brokered Deposit Ratio	3.75	1.05
One-Year Asset Growth	7.35	4.65
Loans as a Percent of Total Assets:
Construction & Development	0.58	0.48
Commercial & Industrial	18.36	11.40
Leases	2.05	1.75
Other Consumer	18.85	18.55
Loans to Foreign Government	0.30	0.30
Real Estate Loans Residual	0.00	0.00
Multifamily Residential	0.95	0.65
Nonfarm Nonresidential	0.00	0.00
14 Family Residential	38.40	36.34
Loans to Depository Banks	2.70	0.95
Agricultural Real Estate	1.30	4.05
Agriculture	0.40	7.20
CAMELS components:
C	2	2
A	2	3
M	1	2
E	2	2
L	1	3
S	2	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))

Table 1324

Model Measures in 2016 Rule	Pricing Multiplier
Uniform amount	7.352
Leverage ratio	(1.264)
Nonperforming loans and leases/gross assets	0.942
Other real estate owned/gross assets	0.533
Net income before taxes/total assets	(0.720)
Brokered deposit ratio	0.264
One-year asset growth	0.061
Weighted average CAMELS rating	1.519
Loan mix index	0.081

Table 1323

	Weighted Charge-off Rate (percent)	Loan Category as Prcentage of Total Assets	Product of Two Columns to the Left
Construction and development	4.50	1.40	6.30
Commercial and industrial	1.60	24.24	38.78
Leases	1.50	0.64	0.96
Other consumers	1.46	14.93	21.80
Loans to foreign government	1.34	0.24	0.32
Real estate loans residual	1.02	0.11	0.11
Multifamily residential	0.88	2.42	2.13
Nonfarm nonresidential	0.73	13.71	10.01
14 family residential	0.70	2.27	1.59
Loans to depository banks	0.58	1.15	0.67
Agricultural real estate	0.24	3.43	0.82
Agriculture	0.24	5.91	1.42
Sum (loan mix index)		70.45	84.91

Table 1321

	Risk Category I	Risk Category II	Risk Category III	Risk Category IV
Initial base assessment rate	7	12	19	30
Brokered deposit adjustment		010	010	010
Total base assessment rate	7	1222	1929	3040

Table 1320

	Established Small Bank	Large and Highly Complex Institutions
Initial base assessment rate	330	330
Unsecured debt adjustment	50	50
Brokered deposit adjustment		010
Total base assessment rate	1.530	1.540