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Assessments
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Details:
  • Description:
    This Federal Register contains 516 comments. The comments can be found in the Supporting Files section.
  • Content Notes:
    Table 1: Table 1-Determination of Risk Category (Pg 40839) Table 2: Table 2-Initital Base Assessment Rates [In basis points per annum] (Pg 40840) Table 3: Table 3-Total Base Assessment Rates [In basis points per annum] (Pg 40840) Table 4: Table 4-Initial and Total Base Assessment Rates [In basis points per annum] [Once the reserve ratio reaches 1.15 percent] (Pg 40841) Table 5: Table 5-Initial and Total Base Assessment Rates [In basis points per annum] [If the reserve ratio for the prior assessment period is equal to or greater than 2 percent and less than 2.5 percent] (Pg 40841) Table 6: Table 6-Initial and Total Base Assessment Rates [In basis points per annum] [If the reserve ratio for the prior assessment period is equal to or greater than 2.5 percent] (Pg 40841) Table 7: Table 7-Comparison of Current and Proposed Measures in the Financial Ratios Method (Pg 40843) Table 8: Table 8-Loan Mix Index for a Hypothetical Bank (Pg 40844) Table 9: Table 9-Initial and Total Base Assessment Rates [In basis points per annum] [Once the reserve ratio reaches 1.15 percent] (Pg 40845) Table 10: Table 10-Initial and Total Base Assessment Rates [In basis points per annum] [If the reserve ratio for the prior assessment period is equal to or greater than 2 percent and less than 2.5 percent] (Pg 40845) Table 11-Table 10-Initial and Total Base Assessment Rates [In basis points per annum] [If the reserve ratio for the prior assessment period is equal to or greater than 2.5 percent] (Pg 40846) Table 12: Table 12-Pricing Multipliers and the Uniform Amount Under a Hypothetical Conversion of the Statistical Model to Assessment Rates Based on the Fourth Quarter of 2014 (Pg 40846) Table 13: Table 13-Total Base Assessment Rates, New Small Banks [In basis points per annum] (Pg 40847) Chart 1: Illustrative, Hypothetical Comparison of Distribution of Assessment Rates for Established Small Banks (Comparing Actual Fourth Quarter of 2014 Initial Assessment Rates for the Current System to the Proposal) (Pg 40849) Chart 2: Illustrative, Hypothetical Comparison of Distribution of Assessment Rates for Established Small Banks Based on the Fourth Quarter of 2014 (Comparing Table 4 Initial Assessment Rates for the Current System to the Proposal) Table 14: Table 14-Accuracy Ratio Comparison Between the Proposal and the Current Small Bank Deposit Insurance Assesssment System (Pg 40851) Table 15: Table 15-Accuracy Ratio Comparison Between the Proposal and the Unbounded Variation (Pg 40852) Table 16: Table 16-Accuracy Ratio Comparison Between the First Alternative, The Proposal and the Current Small Bank Deposit Insurance Assessment System (Pg 40853) Table 17: Table 17-Accuracy Ratio Comparison Between the Second Alternative, The Proposal and the Current Small Bank Deposit Insurance Assessment System (Pg 40853) Table 18: Table 18-Percent Change in Assessments Resulting from the Proposal [Assuming No Change in the Assessment Rate Range] (Pg 40854) Table 19: Table 19-Assessment Changes Relative to Profits for Profitable Small Institutions under the Proposal [Assuming No Change in the Assessment Rate Range] (Pg 40855) Table 20: Table 20-Change in Assessments for Unprofitable Small Institutions Resulting from the Proposal [Assuming No Change in the Assessment Rate Range] (Pg 40855) Table 21: Table 21-Percent Change in Assessments Resulting from the Proposal [Assuming Assessment Rate Range Change From 5–35 Bps to 3–30 Bps] (Pg 40855) Table 22: Table 22-Assessment Changes Relative to Profits for Profitable Small Institutions under the Proposal [Assuming Assessment Rate Range Change From 5–35 Bps to 3–30 Bps] (Pg 40856) Table 23: Table 23-Change in Assessments for Unprofitable Small Institutions Resulting from the Proposal [Assuming No Change in the Assessment Rate Range] (Pg 40856) Table 24: Table 1.1-New Model Variable Description (Pg 40858-40859) Table 25: Table 1.2A-Regression with December 2009 as Last Data Point for Independent Variables (Pg 40861-40862) Table 26: Table 1.2B-Regression with December 2010 as Last Data Point for Independent Variables (Pg 40862) Table 27: Table 1.2C-Regression with December 2011 as Last Data Point for Independent Variables (Pg 40862) Table 28: Table 1.2D-Average of the Parameter Estimates Over Three Regressions (Pg 40862) Chart 3: Cumulative Accuracy Profile (CAP) Illustration (Pg 40863) Chart 4: Cumulative Accuracy Profile (CAP) Illustration Compared with "Perfect" and Random Cases (Pg 40864) Table 29: Table 1.3-Comparisons of Out-of-Sample Projection of New Model to the Small Bank Deposit Insurance Assessment System's Rankings for 2006 (Pg 40864-40865) Chart 5: Cumulative Accuracy Profile for the small Bank Deposit Insurance Assessment System Based on its Risk Rankings for 2006 (Pg 40865) Chart 6: Cumulative Accuracy Profiles of Proposal vs. the Small Bank Deposit Insurance Assessment System Based on Their Risk Rankings for 2006 (Pg 40866) Chart 7: Cumulative Accuracy Profiles of Proposal vs. the Small Bank Deposit Insurance Assessment System Based on Their Risk Rankings for 2007 (Pg 40867) Chart 8: Cumulative Accuracy Profiles of Proposal vs. the Small Bank Deposit Insurance Assessment System Based on Their Risk Rankings for 2008 (Pg 40868) Chart 9: Cumulative Accuracy Profiles of Proposal vs. the Small Bank Deposit Insurance Assessment System Based on Their Risk Rankings for 2009 (Pg 40869) Chart 10: Cumulative Accuracy Profiles of Proposal vs. the Small Bank Deposit Insurance Assessment System Based on Their Risk Rankings for 2010 (Pg 40870) Chart 11: Cumulative Accuracy Profiles of Proposal vs. the Small Bank Deposit Insurance Assessment System Based on Their Risk Rankings for 2011 (Pg 40871) Table 30: Table 1.1.1-Loan Mix Index for a Hypothetical Bank (Pg 40872) Table 31: Table 2.1-Effect of the Proposal on Income for Profitable Established Small Banks (P330 compared to C535) (Pg 40874) Table 32: Table 2.2-Effect of the Proposal on Income for Unprofitable Established Small Banks (P330 compared to C535) (Pg 40875) Table 33: Table 2.3-Effect of the Proposal on Income for Profitable Established Small Banks (P330 compared to C330) (Pg 40876) Table 34: Table 2.4-Effect of the Proposal on Income for Unprofitable Established Small Banks (P330 compared to C330) (Pg 40877) Table 35: (Pg 40878) Table 36: Scorecard for Large Institutions (Pg 40879) Table 37: Cutoff Values and Weights for Measures to Calculate Ability to Withstand Asset-Related Stress Score (Pg 40880) Table 38: Cutoff Values and Weights to Calculate Ability to Withstand Funding-Related Stress Score (Pg 40880) Table 39: Cutoff Values to Calculate Loss Severity Score (Pg 40880) Table 40: Scorecard for Highly Complex Institutions (Pg 40881) Table 41: Cutoff Values and Weights for Measures to Calculate Ability to Withstand Asset-Related Stress Score (Pg 40882) Table 42: Cutoff Values and Weights to Calculate Ability to Withstand Funding-Related Stress Score (Pg 40882) Table 43: Cutoff Values to Calculate Loss Severity Score (Pg 40882) Table 44: Initial Base Assessment Rate Schedule Once the Reserve Ratio of the DIF Reaches 1.15 Percent and the Reserve Ratio for the Immediately Prior Assessment Period is Less than 2 Percent (Pg 40887) Table 45: Total Base Assessment Rate Schedule (After Adjustments) If Reserve Ratio of the DIF Reaches 1.15 Percent and the Reserve Ratio for the Immediately Prior Assessment Period is Less than 2 Percent (Pg 40887) Table 46: Initial Base Assessment Rate Schedule for Prior Assessment Period is Equal to or Greater than 2 Percent But Less than 2.5 Percent (Pg 40888) Table 47: Total Base Assessment Rate Schedule (After Adjustments) If Reserve Ratio for Prior Assessment Period is Equal to or Greater than 2 Percent But Less than 2.5 Percent (Pg 40888) Table 48: Initial Base Assessment Rate Schedule If Reserve Ratio for Prior Assessment Period is Greater than or Equal to 2.5 Percent (Pg 40889) Table 49: Total Base Assessment Rate Schedule (After Adjustments) If Reserve Ratio for Prior Assessment Period is Greater than or Equal to 2.5 Percent (Pg 40889) Table 50: Initial Base Assessment Rate Schedule if Reserve Ratio for Prior Assessment Period is Equal to or Greater than 1.15 Percent (Pg 40890) Table 51: Total Base Assessment Rate Schedule (After Adjustments) If Reserve Ratio for Prior Assessment Period is Equal to or Greater than 1.15 Percent (Pg 40890) Table 52: Initial and Total Base Assessment Rate Schedule Once the Reserve Ratio of the DIF Reaches 1.15 Percent and the Reserve Ratio for the Immediately Prior Assessment Period is Less Than 2 Percent (Pg 40890) Table 53: Initial and Total Base Assessment Rate Schedule if Reserve Ratio for Prior Assessment Period is Equal to or Greater than 2 Percent but Less than 2.5 Percent (Pg 40891) Table 54: Initial and Total Base Assessment Rate Schedule if Reserve Ratio for Prior Assessment Period is Greater Than or Equal to 2.5 Perccent (Pg 40891) Table 55: Table E.1-Definitions of Regressors (Pg 40892) Table 56: Table E.2-Loan Mix Index Categories (Pg 40893)
  • Format:
  • Release Date:
    07/13/2015
  • Agencies Involved:
    Federal Deposit Insurance Corporation (FDIC)
  • Law Involved:
    Federal Deposit Insurance Act
  • Comment Period End Date:
    09/11/2015
  • Source:
    FDIC Website/GovInfo
  • Federal Register Citation Number:
    80 FR 40838
  • CFR Number:
    12 CFR 327
  • RIN Indentifier:
    3064–AE37
  • Publisher's site:
  • Language:
    Eng
  • Main Document Checksum:
  • File Type:

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