Problem $13-1($LG $13-4)$

Refer to Table $1320,$ Table $1321,$ Table $1323$ and Table $1324.$

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 $8\mathrm{.}767\mathrm{.}89$

Nonperforming Loans and Leases$/$Gross Assets $0\mathrm{.}490\mathrm{.}64$

Other Real Estate Owned$/$Gross Assets $0\mathrm{.}500\mathrm{.}60$

Net Income Before Taxes$/$Total Assets $2\mathrm{.}291\mathrm{.}75$

Brokered Deposit Ratio $3\mathrm{.}151\mathrm{.}65$

One$-$Year Asset Growth $7\mathrm{.}755\mathrm{.}25$

Loans as a Percent of Total Assets:

Construction & Development $0\mathrm{.}540\mathrm{.}44$

Commercial & Industrial $16\mathrm{.}7612\mathrm{.}30$

Leases $1\mathrm{.}850\mathrm{.}95$

Other Consumer $18\mathrm{.}6518\mathrm{.}35$

Loans to Foreign Government $0\mathrm{.}500\mathrm{.}10$

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

Multifamily Residential $1\mathrm{.}200\mathrm{.}55$

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

$14$ Family Residential $36\mathrm{.}2434\mathrm{.}10$

Loans to Depository Banks $2\mathrm{.}100\mathrm{.}70$

Agricultural Real Estate $1\mathrm{.}104\mathrm{.}25$

Agriculture $1\mathrm{.}805\mathrm{.}60$

CAMELS components:

C $12$

A $12$

M $11$

E $23$

L $11$

S $21$

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