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Highlights:

• Risk-Based Assessments for Risk Category I : To determine initial base assessment rates, the �౦��Ϸ���� proposes to: (1) introduce a new financial ratio into the financial ratios method applicable to most Risk Category I institutions to include brokered deposits above a threshold that are used to fund rapid asset growth; (2) for a large Risk Category I institution with long-term debt issuer ratings, combine weighted average CAMELS component ratings, the debt issuer ratings, and the financial ratios method assessment rate; and (3) use a new uniform amount and pricing multipliers for each method.
• Adjustments to Assessment Rates : The �౦��Ϸ���� also proposes to introduce three adjustments that could be made to an institution's initial base assessment rate: (1) a potential decrease for long-term unsecured debt, including senior and subordinated debt and, for small institutions, a portion of Tier 1 capital; (2) a potential increase for secured liabilities above a threshold amount; and (3) for non-Risk Category I institutions, a potential increase for brokered deposits above a threshold amount.
• Assessment Rates . For the first quarter of 2009 only, the �౦��Ϸ���� proposes raising the current rates uniformly by seven basis points. The �౦��Ϸ���� proposes to establish new initial base assessment rates that will be subject to adjustment as described above effective April 1, 2009.
• Rate Calculator : The �౦��Ϸ���� has developed an assessment rate calculator to enable any institution to determine assessment rates under the proposed rule and rates. The calculator is available at: http://www.fdic.gov/deposit/insurance/initiative/index.html .

Distribution:
All �౦��Ϸ����-Insured Institutions

Suggested Routing:
Chief Executive Officer
President
Chief Financial Officer

• ( PDF Help )
• Proposed Rule on Risk-Based Assessments

Note:
�౦��Ϸ���� financial institution letters (FILs) may be accessed from the �౦��Ϸ����'s Web site at www.fdic.gov/news/financial-institution-letters/2008/index.html .

To receive FILs electronically, please visit http://www.fdic.gov/about/subscriptions/fil.html

Paper copies of �౦��Ϸ���� financial institution letters may be obtained through the �౦��Ϸ����'s Public Information Center, 3501 Fairfax Drive, E-1002, Arlington, VA 22226 (1-877-275-3342 or 703-562-2200).