The Volatility of Insured Deposit Growth Has Contributed to Fluctuations in the BIF Reserve Ratio

	Insured Deposits Quarterly Change, in %	Reserve Ratio Quarterly Change, in %
12/98	3.4	-1.4
3/99	-0.5	1.4
6/99	0.3	-0.7
9/99	0.0	-0.7
12/99	1.0	-1.4
3/00	1.9	-0.7
6/00	2.2	-2.2
9/00	1.3	1.5
12/00	1.4	0.0
3/01	3.1	-1.5
6/01	0.5	0.0
9/01	0.9	-0.8
12/01	0.2	-4.5
3/02	3.2	-2.4
6/02	-0.1	2.4

Source: FDIC