Risk-Based Assessments Before 2007
The FDIC merged the Bank Insurance Fund (BIF) and the Savings Association Insurance Fund (SAIF) to form the Deposit Insurance Fund (DIF) on March 31, 2006 in accordance with the Federal Deposit Insurance Reform Act of 2005. FDIC maintains the DIF by assessing depository institutions an insurance premium. The amount each institution is assessed is based upon statutory factors that include the balance of insured deposits as well as the degree of risk the institution poses to the insurance fund.
Overview
FDIC assesses higher rates on those institutions that pose greater risks to the insurance fund. The overview explains how the FDIC determines deposit insurance premiums (assessments) based on risk categories.
Current Rate Schedule for FICO Rates
Current Financing Corporation (FICO) rate schedule for FDIC-insured institutions.
Assessment Rate Cases
Before 2007, assessment rate cases were semi-annual reports to the FDIC Board of Directors recommending the deposit insurance assessment rates for the DIF (or, prior to the fund merger, the BIF and the SAIF).
For 2007, the rule on risk-based assessments adopted in November 2006 sets rates effective January 1, 2007. Rates are no longer required by law to be set semiannually.
2007
- Outlook for the Deposit Insurance Fund (DIF) May 7, 2007 - PDF
- Final Rule on Risk-Based Assessments November 2, 2006 - PDF
Prior Assessment Periods
- Current Status of the Deposit Insurance Fund - March 31, 2006 - PDF
- Economic Conditions and Emerging Risks in Banking - May 9, 2006 - PDF
- DIF Assessment Rates for the Second Semiannual Assessment Period of 2006 - PDF
- Current Status of the Deposit Insurance Funds - September 30, 2005 - PDF
- Economic Conditions and Emerging Risks in Banking - November 1, 2005 - PDF
- BIF Assessment Rates for the First Semiannual Assessment Period of 2006 - PDF
- SAIF Assessment Rates for the First Semiannual Assessment Period of 2006 - PDF
- Current Status of the Deposit Insurance Funds - March 31, 2005 - PDF
- Economic Conditions and Emerging Risks in Banking - May 16, 2005 - PDF
- BIF Assessment Rates for the Second Semiannual Assessment Period of 2005 - PDF
- SAIF Assessment Rates for the Second Semiannual Assessment Period of 2005 - PDF
- Current Status of the Deposit Insurance Funds - September 30, 2004 - PDF
- Economic Conditions and Emerging Risks in Banking - November 10, 2004 - PDF
- BIF Assessment Rates for the First Semiannual Assessment Period of 2005 - PDF
- SAIF Assessment Rates for the First Semiannual Assessment Period of 2005 - PDF
- Current Status of the Deposit Insurance Funds March 31, 2004 - PDF
- Economic Conditions and Emerging Risks in Banking - April 26, 2004 - PDF
- BIF Assessment Rates for the Second Semiannual Assessment Period of 2004 - PDF
- SAIF Assessment Rates for the Second Semiannual Assessment Period of 2004 - PDF
- Current Status of the Deposit Insurance Funds September 30, 2003 - PDF
- BIF Assessment Rates for the First Semiannual Period of 2004
- SAIF Assessment Rates for the First Semiannual Period of 2004 - PDF
- BIF Assessment Rates for the Second Semiannual Assessment Period of 2003 - PDF
- SAIF Assessment Rates for the Second Semiannual Assessment Period of 2003 - PDF
- BIF Assessment Rates for the First Semiannual Assessment Period of 2003 - PDF
- SAIF Assessment Rates for the First Semiannual Assessment Period of 2003 - PDF
- BIF Assessment Rates for the Second Semiannual Assessment Period of 2002 - PDF
- SAIF Assessment Rates for the Second Semiannual Assessment Period of 2003 - PDF
- BIF Assessment Rates for the First Semiannual Assessment Period of 2002 - PDF
- SAIF Assessment Rates for the First Semiannual Assessment Period of 2002 - PDF
- BIF Assessment Rates for the First Semiannual Assessment Period of 2001 - PDF
- SAIF Assessment Rates for the First Semiannual Assessment Period of 2001 - PDF
Second Semiannual Assessment Period of 2006
First Semiannual Assessment Period of 2006
Second Semiannual Assessment Period of 2005
First Semiannual Assessment Period of 2005
Second Semiannual Assessment Period of 2004
First Semiannual Assessment Period of 2004
Second Semiannual Assessment Period of 2003
First Semiannual Assessment Period of 2003
Second Semiannual Assessment Period of 2002
First Semiannual Assessment Period of 2002
First Semiannual Assessment Period of 2001
Second Semiannual Assessment Period of 1999
or email us at
Assessments@fdic.gov