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FDIC Banking Review
Figure 2
Assessment Rate Comparison: Moving Average Methods vs Current (1.25 DRR) Method, 1940-1995 |
| Date |
4-Year MA |
6-Year MA |
1.25 DRR |
| 1940 |
4.3 |
4.0 |
5.6 |
| 1941 |
5.9 |
4.5 |
3.8 |
| 1942 |
11.5 |
8.7 |
8.9 |
| 1943 |
11.2 |
8.6 |
23.4 |
| 1944 |
12.4 |
9.2 |
10.0 |
| 1945 |
11.3 |
8.8 |
11.6 |
| 1946 |
6.6 |
7.8 |
6.4 |
| 1947 |
4.0 |
6.2 |
1.9 |
| 1948 |
1.4 |
3.5 |
0.0 |
| 1949 |
3.1 |
4.4 |
0.4 |
| 1950 |
3.2 |
3.2 |
11.5 |
| 1951 |
4.2 |
2.6 |
3.0 |
| 1952 |
4.3 |
2.4 |
2.5 |
| 1953 |
1.7 |
2.7 |
0.9 |
| 1954 |
2.0 |
3.3 |
2.3 |
| 1955 |
1.5 |
1.7 |
2.0 |
| 1956 |
1.7 |
1.5 |
1.2 |
| 1957 |
2.2 |
1.7 |
1.7 |
| 1958 |
1.8 |
1.7 |
4.5 |
| 1959 |
1.6 |
1.2 |
0.0 |
| 1960 |
2.1 |
1.6 |
1.6 |
| 1961 |
1.9 |
2.0 |
3.3 |
| 1962 |
1.9 |
1.8 |
2.4 |
| 1963 |
2.4 |
1.8 |
0.7 |
| 1964 |
2.8 |
2.5 |
3.7 |
| 1965 |
3.8 |
3.2 |
4.7 |
| 1966 |
4.8 |
3.5 |
6.0 |
| 1967 |
5.9 |
4.4 |
6.1 |
| 1968 |
4.6 |
3.9 |
7.5 |
| 1969 |
4.2 |
3.8 |
0.3 |
| 1970 |
3.3 |
3.4 |
5.5 |
| 1971 |
3.9 |
4.2 |
2.4 |
| 1972 |
5.1 |
4.4 |
6.4 |
| 1973 |
4.9 |
4.0 |
5.5 |
| 1974 |
4.6 |
3.8 |
6.2 |
| 1975 |
4.8 |
4.1 |
3.3 |
| 1976 |
4.8 |
4.6 |
5.8 |
| 1977 |
4.2 |
4.3 |
4.1 |
| 1978 |
2.5 |
2.8 |
3.3 |
| 1979 |
3.1 |
2.9 |
0.0 |
| 1980 |
1.2 |
1.3 |
6.4 |
| 1981 |
1.9 |
1.1 |
0.0 |
| 1982 |
5.3 |
3.2 |
9.7 |
| 1983 |
8.0 |
6.2 |
7.6 |
| 1984 |
8.3 |
6.8 |
10.2 |
| 1985 |
10.7 |
9.5 |
8.8 |
| 1986 |
12.9 |
12.4 |
16.9 |
| 1987 |
17.2 |
15.4 |
8.9 |
| 1988 |
18.3 |
16.6 |
32.3 |
| 1989 |
28.4 |
24.4 |
17.7 |
| 1990 |
39.9 |
31.9 |
49.0 |
| 1991 |
30.3 |
29.3 |
62.8 |
| 1992 |
19.7 |
24.9 |
0.0 |
| 1993 |
2.1 |
15.9 |
0.0 |
| 1994 |
-17.5 |
8.2 |
0.0 |
| 1995 |
-16.1 |
-1.7 |
0.0 |
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Note: The 1.25 DRR calculation uses a zero-assessment minimum; neither the small negative assessment rates that would have occurred in 1948, 1959, 1979, and 1981, nor the significant negative assessment rates that would have occurred from 1992-1995, are shown.
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