Two depository institutions have composite CAMELS ratings of 1 or 2 and are well capitalized. Thus, each

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. Further, the institutions have the following financial ratios and CAMELS ratings:

Calculate the initial deposit insurance assessment for each institution.

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Institution1 Institution 2 7.75 0.56 0.50 0.32 1.86 15.56 Tier 1 leverage ratio (%) Loans past due 30-89 Nonperforming Net loan charge-offs/ Net income before taxes/ Adjusted brokered deposits CAMELS components days/gross assets (%) assets/gross assets (%) gross assets (%) risk-weighted assets (%) ratio (%) 8.62 0.45 0.35 0.28 2.15 0.00