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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Deposit Insurance Fund Management

Regarding the Deposit Insurance Fund (DIF) balance, the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 provides the following:

Each year, the FDIC sets and publishes the DRR for the following year. The following table shows the DRR set for 2007-2012.

Year Designated Reserve Ratio (DRR)
2007 1.25%
2008 1.25%
2009 1.25%
2010 1.25%
2011 2.00%
2012 2.00%

As the reserve ratio dropped below 1.25 percent near the end of 2006, the FDIC began taking steps to maintain the Fund balance and liquidity. Following are the related actions taken by the FDIC Board since then.