April 1, 2009 – March 31, 2011
Below is the rate schedule effective April 1, 2009. These rates were applied beginning with the invoice paid on September 30, 2009 and ending with the invoice paid on June 30, 2011. For more information, go to: Risk Categories & Risk Based Assessments and also see FIL-12-2009.
Risk Category I |
Risk Category II |
Risk Category III |
Risk Category IV |
|
| Initial Base Assessment Rate | 12 – 16 |
22 |
32 |
45 |
| Unsecured Debt Adjustment (added) | -5 to 0 |
-5 to 0 |
-5 to 0 |
-5 to 0 |
| Secured Liability Adjustment (added) | 0
to 8 |
0
to 11 |
0
to 16 |
0
to 22.5 |
| Brokered Deposit Adjustment (added) | N/A |
0
to 10 |
0
to 10 |
0
to 10 |
| Total Base Assessment Rate | 7 to
24.0 |
17 to
43.0 |
27 to
58.0 |
40 to 77.5 |
| Risk Category I - | Well Capitalized with generally a CAMELS composite of 1 or 2 |
| Risk Category II - | Well Capitalized with generally a CAMELS composite of 3; or Adequately Capitalized with generally a CAMELS composite of 1, 2, or 3 |
| Risk Category III - | Well or Adequately Capitalized with generally a CAMELS composite of 4 or 5; or Under Capitalized with generally a CAMELS composite of 1, 2, or 3 |
| Risk Category IV - | Under Capitalized with generally a CAMELS composite of 4 or 5 |
Total Base Assessment Rates for newly insured institutions (those insured less than 5 years)
|
January
1, 2009 – March
31, 2009
Below is the rate schedule effective January 1, 2009. These rates
applied to the invoice paid on June 30, 2009. Risk Category I institutions
were charged a rate that varied between 12 and 14 basis points.
For more information, see: FIL-143-2008.
Capital Group* |
Supervisory
Group* |
|||
A |
B |
C |
||
| Well Capitalized | I 12-14 bps |
II 17 bps |
III 35 bps |
|
| Adequately Capitalized | ||||
Undercapitalized |
III 35 bps |
IV 50 bps |
||
Total Base Assessment Rates for newly insured institutions (those insured less than 5 years) without a CAMELS composite rating
Total Base Assessment Rates for newly insured institutions (those insured less than 5 years) with a CAMELS composite rating
|
January
1, 2007 – December
31, 2008
From January 1, 2007, through December 31, 2008, rates ranged between
5 and 43 basis points. These rates applied to invoices paid between
June 30, 2007 and March 30, 2009. Risk Category I institutions
were charged a rate that varied between 5 and 7 cents. For more
information, see FIL-103-2006.
In order to move the FDIC payment from a prepayment to a payment
for a prior period, institutions were not billed for FDIC insurance
on the January 2 and March 30, 2007, invoices. The invoice paid on
June 30, 2007, was for deposit insurance coverage for the first quarter
of 2007.
Capital Group* |
Supervisory
Group* |
|||
A |
B |
C |
||
| Well Capitalized | I 5-7 bps |
II 10 bps |
III 28 bps |
|
| Adequately Capitalized | ||||
Undercapitalized |
III 28 bps |
IV 43 bps |
||
January
1, 1997 – December
31, 2006
From January 1, 1997, through December 31, 2006, rates ranged between
0 and 27 basis points. These rates applied to the Bank Insurance
Fund (BIF) and the Savings Association Insurance Fund (SAIF) and
then to the Deposit Insurance Fund (DIF) when BIF and SAIF merged
to form the DIF on March 31, 2006. During this time period, the
best rated institutions (1A institutions) were not charged for
deposit insurance; only weaker institutions were charged. Approximately
95% of all institutions were rated 1A during this time period.
Supervisory
Group* |
|||
| Capital Group* | A | B | C |
| 1 Well Capitalized | 0
bps |
3
bps |
17
bps |
| 2 Adequate Capitalized | 3
bps |
10
bps |
24
bps |
| 3 Under Capitalized | 10
bps |
24
bps |
27
bps |
*Supervisory
Group A generally include institutions with CAMELS composite ratings
of 1 or 2;
Supervisory Group B generally
includes institutions with a CAMELS composite rating of 3; and
Supervisory
Group C generally includes institutions with CAMELS composite ratings
of 4 or 5.