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Deposit Insurance Assessments

Prior Period Rates

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 Rate12 – 16223245
Unsecured Debt Adjustment (added)-5 to 0-5 to 0-5 to 0-5 to 0
Secured Liability Adjustment (added)0 to 80 to 110 to 160 to 22.5
Brokered Deposit Adjustment (added)N/A0 to 100 to 100 to 10
Total Base Assessment Rate7 to 24.017 to 43.027 to 58.040 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)

 Risk
Category
I
Risk
Category
II
Risk
Category
III
Risk
Category
IV
Initial Base Assessment Rate16223245
Secured Liability Adjustment (added)0 to 80 to 110 to 160 to 22.5
Brokered Deposit Adjustment (added)N/A0 to 100 to 100 to 10
Total Base Assessment Rate16 to 24.022 to 43.032 to 58.045 to 77.5

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* 
ABC  
Well CapitalizedI
12-14 bps
II
17 bps
III
35 bps
  
Adequately Capitalized    
UndercapitalizedIII
35 bps
IV
50 bps
  


 

Total Base Assessment Rates for newly insured institutions (those insured less than 5 years) without a CAMELS composite rating

 Risk
Category
I
Risk
Category
II
Risk
Category
III
Risk
Category
IV
Initial Base Assessment Rate14223245
Secured Liability Adjustment (added)0 to 70 to 110 to 160 to 22.5
Brokered Deposit Adjustment (added)N/A0 to 100 to 100 to 10
Total Base Assessment Rate14 to 21.022 to 43.032 to 58.045 to 77.5



Total Base Assessment Rates for newly insured institutions (those insured less than 5 years) with a CAMELS composite rating

 Risk
Category
I
Risk
Category
II
Risk
Category
III
Risk
Category
IV
Initial Base Assessment Rate12 – 16223245
Secured Liability Adjustment (added)0 to 80 to 110 to 160 to 22.5
Brokered Deposit Adjustment (added)N/A0 to 100 to 100 to 10
Total Base Assessment Rate12 to 24.022 to 43.032 to 58.045 to 77.5

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* 
ABC  
Well CapitalizedI
5-7 bps
II
10 bps
III
28 bps
  
Adequately Capitalized    
UndercapitalizedIII
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*ABC
1 Well Capitalized0 bps3 bps17 bps
2 Adequate Capitalized3 bps10 bps24 bps
3 Under Capitalized10 bps24 bps27 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.

Last Updated: November 24, 2023