All
rates below are annual and are in basis points which are cents per $100.00
of assessment base. An annual rate is converted to a quarterly multiplier
on the invoice by dividing the annual rate by 10,000 (to move the decimal
point), dividing by 4 (for a quarterly rate), and then rounding to 7
decimal places. For example, an annual rate of 24.67 basis points converts
to a quarterly multiplier of .0006168.

Current Rates effective April 1, 2011 - Present

April 1, 2011 - Present (effective on the invoice payable on September 30, 2011)

Below are the Initial and Total Base Assessment Rates* effective April 1, 2011. These rates will be applied beginning with the invoice payable on September 30, 2011. In addition to adopting the rate schedule below, the FDIC has suspended dividends indefinitely; however, in lieu of dividends, and pursuant to its authority to set risk-based assessments, the FDIC has adopted progressively lower assessment rate schedules that will take effect when the reserve ratio exceeds 1.15 percent, 2 percent, and 2.5 percent. For more information, go to: Risk
Categories & Risk Based Assessments and
also see FIL-08-2011 for the rate tables for the various stages of reserve ratio capitalization.

Risk
Category
I

Risk
Category
II

Risk
Category
III

Risk
Category
IV

Large and
Highly
Complex
Institutions

Initial
Base Assessment Rate

5–9

14

23

35

5–35

Unsecured
Debt Adjustment **

(4.5)–0

(5)–0

(5)–0

(5)–0

(5)–0

Brokered
Deposit Adjustment (added)

……

0–10

0–10

0–10

0–10

Total Base
Assessment Rate

2.5–9

9-24

18-33

30-45

2.5–45

* Total base assessment rates do not include the depository institution debt adjustment.
**The unsecured debt adjustment cannot exceed the lesser of 5 basis points or 50 percent of an insured depository institution’s initial base assessment rate; thus for example, an insured depository institution with an initial base assessment rate of 5 basis points will have a maximum unsecured debt adjustment of 2.5 basis points and cannot have a total base assessment rate lower than 2.5 basis points.

Assessment Rates for newly insured small institutions (those insured less than 5 years) *

Risk
Category
I

Risk
Category
II

Risk
Category
III

Risk
Category
IV

Initial Base Assessment Rate

9

14

23

35

Brokered Deposit Adjustment (added)

N/A

0 to 10

0 to 10

0 to 10

Total Base Assessment Rate

9

14 to 24

23 to 33

35 to 45

* Total base assessment rates do not include the depository institution debt adjustment.