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KvuU"UߪM[#E+a[ֆ7o .Fi?M$!AUJ]l%ijX@H  A.,/ I۱0ZQ &^Iǧ1Al& $Uk_ զz %PH(4G@L(!{ H#X/o CAxD3U7BᇬzBux JH!!p M a":VC)0Fsp-d3C8Z- ]` Y 3T?YdS)pk3Rf ]CI85 |TX_d 5vcT1K^TgbRZ ; yY!\)Im.IC"8aJګ l mv@/M5]j/^ z!9d0Cph~,HTa "'S ႄTAB.' *.:&aSDXaBxBn-'CH?LjW ә$tN 8> ܕ] zod-b kjku_]UDJox/^U O ƿK_ 뷻_t/wBT oAiO[)_ k~W?'YU zN$,b tŧAiӃM-+aT >( aAȐN au@=@ANjP^m*QY""""gKZ_Z-ªK_Jo z*+2qRȕwSx-µˠ<"_=vAA;%4]um&SW_uڣ_ D{a: _d@N.-"C R>&!Q@8EJ MZAa0(>„ xϽSAk *hD;aê`i> stream q q 611.76 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im7 Do Q Q q BT 3 Tr /F8 12.00 Tf 98 Tz 380.65 688.10 TD (November 27, 2012 ) Tj -310.55 -27.60 TD (MEMORANDUM TO: ) Tj 2000 Tz 110.60 0.00 TD (\t) Tj 97 Tz 32.90 0.00 TD (The Board of Directors ) Tj 93 Tz -143.75 -27.60 TD (FROM: ) Tj 2000 Tz 35.75 0.00 TD (\t) Tj 99 Tz 107.50 0.00 TD (Arthur J. Murton ) Tj 2000 Tz 81.40 0.00 TD (\t) Tj /F9 13.50 Tf 110 Tz 77.75 9.80 TD (tt.I ) Tj /F8 12.00 Tf 97 Tz -158.90 -23.75 TD (Director ) Tj 99 Tz -.25 -13.65 TD (Division of Insurance and Research ) Tj 93 Tz -143.00 -25.70 TD (SUBJECT: ) Tj 2000 Tz 51.80 0.00 TD (\t) Tj 98 Tz 91.20 0.00 TD (Designated Reserve Ratio for 2013 ) Tj /F9 11.50 Tf 101 Tz -143.50 -51.85 TD (Summary and Recommendation ) Tj /F8 12.00 Tf 98 Tz 35.30 -25.65 TD (The Federal Deposit Insurance Act \(FDI Act\) requires that the ౦Ϸ Board of Directors ) Tj -35.55 -13.70 TD (\(Board\) designate a reserve ratio for the Deposit Insurance Fund \(DIF\) and publish the ) Tj 99 Tz -.25 -13.90 TD (designated reserve ratio, or DRR, before the beginning of each calendar year.' On December 7, ) Tj 0.00 -13.70 TD (2011, the Board approved for publication a notice setting the DRR at 2 percent for ) Tj 92 Tz 397.00 2.65 TD (2012.2 ) Tj 112 Tz 30.45 -2.65 TD ( The ) Tj 98 Tz -427.20 -13.90 TD (staff recommends maintaining the DRR at 2 percent for 2013 and requests that the Board ) Tj -.25 -13.95 TD (authorize the staff to publish the attached notice to that effect in the Federal Register. ) Tj 35.55 -25.65 TD (The Board must set the DRR in accordance with its analysis of certain statutory factors: ) Tj 99 Tz -36.00 -13.95 TD (risk of losses to the DIF; economic conditions generally affecting insured depository institutions; ) Tj 100 Tz -.25 -13.65 TD (preventing shai swings in assessment rates; and any other factors that the Board determines to ) Tj 0.25 -13.95 TD (be appropriate. Staff has identified one "other factor" for the Board's consideration: ) Tj 99 Tz -.25 -13.65 TD (maintaining the DIF at a level that can withstand substantial losses, consistent with the ౦Ϸ's ) Tj 98 Tz 0.25 -13.70 TD (comprehensive, long-term fund management plan. ) Tj 99 Tz 35.50 -25.90 TD (The manner in which the Board evaluates the statutory factors may depend on its view of ) Tj -36.00 -13.95 TD (the role of the DRR, which may change over time. Governing statutes do not direct the Board ) Tj 0.00 -13.65 TD (how to use the DRR. Based on current circumstances and historical analysis, staff continues to ) Tj 0.00 -13.95 TD (view the DRR as a long-range, minimum target for the reserve ratio, consistent with the ) Tj 0.00 -13.65 TD (comprehensive, long-range fund management plan contained in the proposed rulemaking in ) Tj 98 Tz 0.00 -13.95 TD (October 2010 to raise the DRR to 2 percent \(October 2010 NPR\). ) Tj /F8 10.00 Tf 0.50 -30.00 TD (112 U.S.C. 1817\(b\)\(3\)\(A\). ) Tj /F10 6.00 Tf 85 Tz -.95 -12.95 TD (2 ) Tj /F8 10.00 Tf 100 Tz 2.85 -4.80 TD ( 76 FR 77229 \(Dec. 12, 2011\). The DRR is expressed as a percentage of estimated insured deposits. On December ) Tj 99 Tz -1.65 -11.50 TD (14, 2010, the Board approved a final rule setting the DRR at 2 percent. See ) Tj /F11 10.00 Tf 93 Tz 303.60 0.00 TD (75 ) Tj /F8 10.00 Tf 98 Tz 12.70 0.00 TD (FR 79286 \(Dec. 20, 2010\), codified ) Tj -317.50 -11.30 TD (at 12 C.F.R. 327.4\(g\). ) Tj 97 Tz 6.45 -17.50 TD (12 U.S.C. 1817\(b\)\(3\)\(C\). ) Tj /F8 12.00 Tf 93 Tz -6.70 -60.75 TD (Concur: ) Tj 2000 Tz 37.20 0.00 TD (\t) Tj 93 Tz 40.80 -13.90 TD (rd J. ) Tj 530 Tz 40.55 0.00 TD (\t) Tj 175 Tz 5.30 0.00 TD (rm,r. ) Tj 104 Tz -73.45 -13.70 TD (Acting General ounsel ) Tj ET Q endstream endobj xref 0 12 0000000000 65535 f 0000000078 00000 n 0000000155 00000 n 0000000225 00000 n 0000003894 00000 n 0000004055 00000 n 0000052279 00000 n 0000004601 00000 n 0000004207 00000 n 0000004305 00000 n 0000004402 00000 n 0000004500 00000 n trailer << /Size 12 /Root 1 0 R >> startxref 56177 %%EOF % Page Description << /EndOffset 0000122435>> 1 0 obj << /Type /Catalog /Metadata 3 0 R /Pages 2 0 R >> endobj 2 0 obj << /Type /Pages /Kids [4 0 R 12 0 R ] /Count 2 >> endobj 3 0 obj << /Type /Metadata /Subtype /XML /Length 3572 >> stream application/pdf adeaton Nuance Communications, Inc. 2012-11-27T17:12:18-05:00 2012-11-27T17:12:18-05:00 2012-11-27T17:12:18-05:00 Nuance Communications, Inc. uuid:e65d9aa3-b09b-4d69-a6de-849ad3779658 uuid:2c9fe03a-6ac3-4ba2-90df-92bc00d893a8 endstream endobj 12 0 obj << /Type /Page /Parent 2 0 R /Resources 13 0 R /Contents 14 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 611.76 792.00 ] >> endobj 13 0 obj << /XObject << /Im15 15 0 R>> /Font << /F16 16 0 R /F17 17 0 R /F18 18 0 R /F19 19 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 16 0 obj << /Type /Font /Subtype /Type1 /Name /F16 /BaseFont /Times-Bold >> endobj 17 0 obj << /Type /Font /Subtype /Type1 /Name /F17 /BaseFont /Times-Italic >> endobj 18 0 obj << /Type /Font /Subtype /Type1 /Name /F18 /BaseFont /Times-Roman >> endobj 19 0 obj << /Type /Font /Subtype /Type1 /Name /F19 /BaseFont /Helvetica >> endobj 15 0 obj << /Type /XObject /Subtype /Image /Name /Im15 /Width 2549 /Height 3300 /eCpyDPIX 300 /eCpyDPIY 300 /ImageMask true /Filter /CCITTFaxDecode /BitsPerComponent 1 /DecodeParms << /K -1 /Columns 2549 /Rows 3300>> /eCpyColor [0 0 0 ] /Decode [0 1 ] /Length 56012 >> stream q@PVȐ?Da #5` D f p A&ED㰑(xû_Lk?I"^]HJ?/0U_\p_^?Ho._a{l/߄Y{uw嶾Ҏ[~kJ A.JBմO¦ah0&B [axj`"""""#FD=Kq0[u@B.@$g`YȷKiu%TUij(P:;9'33a>MhK_I[nKH.+ kK^:/_;V/T.ZN/KUP~UTc_ qTzժKZUU%I}+tID%Z_ZKJ iimuX.SKPZIR *֕Z_%LeOꗚBB UǮNiEZF]V]$F]ie]6otUKk]-il%}Ҩa/BJ*](t$WVm*bBuEGk lBZ %MU5]ECmUPNw PMB )(71H?+iX0J)ly$v$vDi\a3!lׅLY C"ڡI<0 @̌F0 …!B&A U@P F4(P@ v!H0jտ? 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K~X_1c5a̒1^ao/}+XXDߺXD߷/ M޼ /i }/~_u῾w)_;~_ܝw:Ky:ᾲt}:KK/.2Il"3<%GQ PdThh%B`40AR g6G.3G0hzn p !bx g 0@ (0D> B &y^ AS  xM4A 0a0P(L&M Bkׅ &&[=4a PU4pM Mt(M0 E-Q'PnJh"EjZnEBQhhp:E..8uCFZ-V iN.X2}:5̻hhtllxvѲF>koOeZ6A8bwp:6A0 o N7' Ӈ o@Gwa#6pA: 8ta dWYHl G G~IpKt-uO$m7~ߒM&Godo䲓?G}-ZM,Wim_m+[_=-l'}i7ۡp S:N_t=k_t߽;oK~'[齿/ֶKW}][OMk[]{zU|a~)u~Эc }? _KzK_ \OB8_-'{?#̓$5_]_a?!_\[t o K_[cK }kW_^[d~'_wB/}d [_d.~o'_׿yx__i__mnXL " O00;XM?_M4T„L*aS PŪjb\ .B*hD--Z.(z [#Dhѱ\Ń.bѭűƍc9(a'4 8cPf~4h 2\Ӡ;6a2+|MWia #$매6G'I7]Z 2xGm+''JtL'ҨOo'A<7B[< ZOon_'uO_}b]:Wޱ !{ _ __^ ¥wE.]_Z˫.MqEq]K_l%1Z: dbNN'Um/__kz5jyK/VkuvkiiZZk %ڹy_|yzkDȏX vVA;J(XJ b1[IcVZbd10*׵Vփ a-vj]&1VMRmi:M)4ASi]EEڊ #}4BQA#tAD 2(4h0AL ppA@馓d   aa i@M38a0XK0L4j [!a4B, 0B!Јgv!a >ІCDCDDgDDDDDGDe8CDDDDR!]/U҃ ~bm0  幀A,k"J2\YDlg2:$g 3A aB * +੆a"qDpa׺iRmt@' zrCUoOֿ9MK_w]7IMUKAzI{[ޞ?z<=I_{zO/ / YK&m{w5ҿV(ZK] zabK9pjM}Ҿ %KdG[_=+tRtO*Ӄ00"""#Cw^KרmbJA҈-jn/y5BD1 p0$E\u 6Xj\L*a  IAAnD?\*.UImco(z' rI6~Rm: ]\yM;mA7~tT'm?Ⓐb}vb{uKKE~{ /oޏoIV+دᇤ~C\ ލK/Kú/{}]?Z'I_{~ҵVi;ZHIKm"{u4}im}l0o.^ p-{amt+V+N]n$MѨt؆i ["""65 MOmm.Mޭ'I MSi #thtyn<t$Q:AY#2aPP"Z: 50[ i0m0a"OQnªAI[ImT']-nI:N:<-,6'A?T?Ǯޓ_]' I]ۄ]K@U;J_8__Wz{Z#z__a>N?׷ / z7~^gz_?*w}/yNo륮~_Iն_[mI~b}%8i'j $k4i~ / % {m+BlB6('*Iu©V@i݂τڈ8 {i6m&W}Ia'IұAaJA 7 DDDG- =| ~]zT*TRJ RZAhUk endstream endobj 14 0 obj << /Length 4620 >> stream q q 611.76 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im15 Do Q Q q BT 3 Tr /F16 11.50 Tf 100 Tz 69.85 685.45 TD (Background ) Tj /F17 12.00 Tf 98 Tz 0.25 -25.45 TD (Governing statutes ) Tj /F18 12.00 Tf 99 Tz 35.50 -25.45 TD (The Dodd-Frank Wall Street Reform and Consumer Protection Act \(Dodd-Frank\), which ) Tj -36.25 -13.90 TD (was enacted on July 21, 2010, gives the ౦Ϸ much greater discretion to manage the DIF, ) Tj 0.25 -13.70 TD (including where to set the DRR. Among other things, Dodd-Frank: \(1\) raises the minimum DRR ) Tj 91 Tz -.25 -14.15 TD (to ) Tj /F17 12.00 Tf 88 Tz 13.45 0.00 TD (1.35 ) Tj /F18 12.00 Tf 98 Tz 22.80 0.25 TD (percent \(from the former minimum of 1.15 percent\) and removes the upper limit on the ) Tj -36.25 -13.95 TD (DRR \(which was formerly capped at 1.5 percent\) and consequently on the size of the fund;) Tj 60 Tz 434.90 0.25 TD (4 ) Tj 97 Tz 3.60 0.25 TD ( \(2\) ) Tj 98 Tz -438.50 -14.15 TD (requires that the fund reserve ratio reach 1.35 percent by September 30, 2020 \(rather than 1.15 ) Tj -.25 -13.95 TD (percent by the end of 2016, as formerly required\);) Tj 46 Tz 239.55 0.25 TD (5 ) Tj 99 Tz 2.85 0.00 TD ( \(3\) requires the ౦Ϸ to offset the effect on ) Tj -242.15 -13.90 TD (institutions with less than $10 billion in total consolidated assets of increasing the reserve ratio ) Tj 98 Tz 0.00 -13.95 TD (from 1.15 percent to 1.35 percent;) Tj 55 Tz 163.45 0.00 TD (6 ) Tj 98 Tz 3.35 0.25 TD ( \(4\) eliminates the requirement that the ౦Ϸ provide ) Tj -166.80 -13.90 TD (dividends from the fund when the reserve ratio is between 1.35 percent and 1.5 percent;) Tj 50 Tz 420.00 0.00 TD (7 ) Tj 98 Tz 3.15 0.25 TD ( and \(5\) ) Tj 99 Tz -423.40 -14.20 TD (continues the ౦Ϸ's authority to declare dividends when the reserve ratio is at least 1.5 percent, ) Tj -.20 -13.65 TD (but grants the ౦Ϸ sole discretion in determining whether to suspend or limit the declaration or ) Tj 98 Tz 0.00 -13.95 TD (payment of dividends.) Tj 55 Tz 106.80 0.00 TD (8 ) Tj /F18 3.00 Tf 100 Tz 3.35 0.00 TD ( ) Tj /F18 12.00 Tf 98 Tz -73.95 -25.65 TD (The FDI Act continues to require that the Board consider the appropriate level for the ) Tj 99 Tz -36.20 -13.95 TD (DRR annually and, if changing the DRR, engage in notice-and-comment rulemaking before the ) Tj 98 Tz -.25 -13.90 TD (beginning of the calendar year.) Tj 60 Tz 149.05 0.25 TD (9 ) Tj /F18 3.00 Tf 100 Tz 3.60 0.00 TD ( ) Tj /F18 12.00 Tf 99 Tz -116.65 -25.95 TD (In effect, Dodd-Frank provides the Board with broad discretion to set the DRR in ) Tj 98 Tz -35.75 -13.65 TD (consideration of specified factors and other factors that the Board determines are appropriate, so ) Tj 99 Tz 0.00 -13.95 TD (long as it is set no lower than 1.35 percent. Neither the FDI Act nor the amendments under ) Tj 98 Tz -.25 -13.65 TD (Dodd-Frank establish a statutory role for the DRR as a trigger, whether for assessment rate ) Tj 0.00 -13.95 TD (determination, recapitalization of the fund, or dividends. ) Tj /F17 12.00 Tf 100 Tz 0.25 -25.90 TD (Comprehensive, long-range management plan for the DIF ) Tj /F18 12.00 Tf 35.50 -25.70 TD (The October 2010 NPR proposed raising the DRR to 2 percent. After consideration of ) Tj 99 Tz -36.00 -13.90 TD (comments received, a final rule adopted by the Board in December 2010 set the DRR at 2 ) Tj 94 Tz -.50 -13.90 TD (percent. ) Tj 99 Tz 36.50 -25.45 TD (The October 2010 NPR also set out a comprehensive, long-range management plan for ) Tj -36.50 -13.95 TD (the DIF that was designed to: \(1\) reduce pro-cyclicality in the risk-based assessment system by ) Tj /F18 10.00 Tf 97 Tz 7.00 -26.15 TD (12 U.S.C. 1817\(b\)\(3\)\(B\). ) Tj -.25 -17.75 TD (12 U.S.C. 1817\(nt\). ) Tj /F19 5.50 Tf 93 Tz -6.75 -12.95 TD (6 ) Tj /F18 10.00 Tf 99 Tz 2.90 -4.35 TD ( 12 U.S.C. 181 7\(nt\). Because the reserve ratio is not projected to reach 1.15 percent for several years, the Board ) Tj -3.10 -11.50 TD (has flexibility in the timing of the rulemaking to implement the offset requirement. Staff will continue to consider ) Tj 98 Tz 0.00 -11.50 TD (both the appropriate approach to and timing of the offset rulemaking. ) Tj 94 Tz 6.95 -17.80 TD (12 U.S.C. 1817\(e\). ) Tj /F19 5.50 Tf 86 Tz -6.75 -12.70 TD (8 ) Tj /F18 10.00 Tf 98 Tz 2.65 -4.55 TD ( 12 U.S.C. 1817\(e\)\(2\)\(B\). ) Tj 97 Tz 3.85 -17.75 TD (12 U.S.C. 1817\(b\)\(3\)\(B\). ) Tj /F18 12.00 Tf 87 Tz 223.90 -41.30 TD (2 ) Tj ET Q endstream endobj xref 1 3 0000056543 00000 n 0000056620 00000 n 0000056697 00000 n 12 8 0000060366 00000 n 0000060530 00000 n 0000117432 00000 n 0000061087 00000 n 0000060689 00000 n 0000060788 00000 n 0000060889 00000 n 0000060989 00000 n trailer << /Size 21 /Prev 56177 /Root 1 0 R >> startxref 122118 %%EOF % Page Description << /EndOffset 0000204011>> 1 0 obj << /Type /Catalog /Metadata 3 0 R /Pages 2 0 R >> endobj 2 0 obj << /Type /Pages /Kids [4 0 R 12 0 R 20 0 R ] /Count 3 >> endobj 3 0 obj << /Type /Metadata /Subtype /XML /Length 3572 >> stream application/pdf adeaton Nuance Communications, Inc. 2012-11-27T17:12:18-05:00 2012-11-27T17:12:18-05:00 2012-11-27T17:12:18-05:00 Nuance Communications, Inc. uuid:9db235ef-a4b4-4063-8808-45c75a27f98b uuid:601ddb59-e9f3-4813-974d-01538ad7ed90 endstream endobj 20 0 obj << /Type /Page /Parent 2 0 R /Resources 21 0 R /Contents 22 0 R /Rotate 0 /eCpyResolution 300 /MediaBox [0 0 611.76 792.00 ] >> endobj 21 0 obj << /XObject << /Im23 23 0 R>> /Font << /F24 24 0 R /F25 25 0 R /F26 26 0 R>> /ProcSet [/PDF /Text /ImageB /ImageC ] >> endobj 24 0 obj << /Type /Font /Subtype /Type1 /Name /F24 /BaseFont /Times-Roman >> endobj 25 0 obj << /Type /Font /Subtype /Type1 /Name /F25 /BaseFont /Times-Italic >> endobj 26 0 obj << /Type /Font /Subtype /Type1 /Name /F26 /BaseFont /Helvetica >> endobj 23 0 obj << /Type /XObject /Subtype /Image /Name /Im23 /Width 2549 /Height 3300 /eCpyDPIX 300 /eCpyDPIY 300 /ImageMask true /Filter /CCITTFaxDecode /BitsPerComponent 1 /DecodeParms << /K -1 /Columns 2549 /Rows 3300>> /eCpyColor [0 0 0 ] /Decode [0 1 ] /Length 71544 >> stream U@ڦW4ʣfʌ)5(*`l(* -̆((UPpP(]yCM/_t(mÃn$Ann:;5M;u}*{WU}~uUα:癭P]N2#$-<5)f#u8fdtc$$G<31l" |L "e 4'VI21G)tC"n' B"SGTȗeIL™c<3 ɹ?2-D>Bd`3` Aa 0 4¦  UL*az@6ࠦfPa !*` APTSM0TT S 0UAvB&7 ݤM.EaSEaS EETwjyP^0 "}|4_uzӦAB'& avQ7t7h-DN!.輄]]wP]0d cZ/Min0a6tqi6xNq>7'Nt^} 0SA8c뎿ixzB? 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BxMXM? !S]4A A &iaŪ-O p/OETp7hh CF.(.T\0д\a"hhqqhnңCv zah Oh`v ݇A760e΂h bMtm t`N\᠜: G07dpi&828o#Ml2;p'vO%}'KnCoϲV8TZVJVcO''}wn? _pk6W֕Юi= _k_kIj}})uB4_v_CCVx޴;V[_oPZu_d%!W_ $떝.M_jD25EnWEDMzj__/^/R]%Nru+'Y:_G'^ru%N4_^:瀃_Xcmkkk$_]m_nm/uki{u^m&{ -_K_aZkk5k44l00گHc8بk!.k8)iqLvbV**1lW0XKrZƿmZ\4jA{tëC;] 5W*Zdەbubii"M6N$jDqOV׻vm&iSjMڬm5 A0 AT 4a0HCA @Ai6Ph08T@AM0 0&a27&a M6 ;M5 0a4! &!Ј-Μ0BNGDE uHJDupa*Ui6L0L(G'*̮3ܴqd^*lwNd3L3[2IdDNf4Th8)n,.G_P]Bz4?dK^0 >*.-꓾(aytO(zMmUwPm k\v]J? 㷥_*^H WZMǯ8aSH d-)RtCD:eyC"83ѶQ3` 5FydH3f4q Ϟ33sGA3i~  #apA< qAѱBgqX`A08`0 „, ‚0 -0B…MSj?0(k SEUi8<\^ӻAii Ѝ  ..h}^^cEm-6XuCi$ opŢ݆iI~&pGXh+A6+"t:M+6n:N[I;u];#[[dmOt#_KJ7'7[kҷ}'im0]a67%>ΗӭzC7zzIuOR}_jWK]_]{KtnRBio]o_:k^+⽥\lP4#E?R ~B&&W[ O/ }u|./Kw^m~ {刅a/^5Io I׻}"q/?{.7;tw[߯KK/oz+___J_1LwLm_:t'WX}/o!lm}yT{WK[_+z*+]~u뷥.u__otJk'_]-m;]kﶗ7vi gԞ/]KV MX`ֿiݮg1[]d/Mwhka=/[ Xm6!_I:^+ n=c>!J}czL^=4m+=:b+i1BEa]oҰk %ua-Uii-=PXi *<~SMn6bzt:7QLS! փM6Tݒ PAAbH  6 H4"A¦mpAP#pmB0\4M4P 2vv X2p; )Qa0B" `@P ! &)nCB,C0C C !kpB4"""" """""")˕"?Kd\eD/ P;ȰbGDr "@20*˲~@f9 [!9X'!"9 Q)oR ڃԄDDDm 78#DDF"?-U[G:à=xuKp'yl0+  endstream endobj 22 0 obj << /Length 4846 >> stream q q 611.76 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im23 Do Q Q q BT 3 Tr /F24 12.00 Tf 98 Tz 69.35 686.65 TD (allowing moderate, steady assessment rates throughout economic and credit cycles; and \(2\) ) Tj 99 Tz -.25 -13.70 TD (maintain a positive fund balance even during a banking crisis by setting an appropriate target ) Tj 98 Tz 0.25 -13.90 TD (fund size and a strategy for assessment rates and dividends. ) Tj /F24 8.00 Tf 86 Tz 284.65 5.75 TD (10 ) Tj /F24 12.00 Tf 99 Tz -249.10 -31.45 TD (During an economic and banking downturn, insured institutions can least afford to pay ) Tj -36.00 -13.90 TD (high deposit insurance assessment rates. Moreover, high assessment rates during a downturn ) Tj 0.00 -13.70 TD (reduce the amount that banks can lend when the economy most needs new lending. For these ) Tj 98 Tz 0.00 -13.90 TD (reasons, it is important to reduce pro-cyclicality in the assessment system and allow moderate, ) Tj 0.45 -13.70 TD (steady assessment rates throughout economic and credit cycles. ) Tj /F24 8.00 Tf 76 Tz 303.85 5.55 TD (11 ) Tj /F24 12.00 Tf 99 Tz -268.55 -31.45 TD (It is also important that the fund not decline to a level that could risk undermining public ) Tj -35.75 -13.70 TD (confidence in federal deposit insurance. Furthermore, although the ౦Ϸ has significant ) Tj 98 Tz 0.00 -13.90 TD (authority to borrow from the Treasury to cover losses when the fund balance approaches zero, ) Tj 99 Tz -.50 -13.70 TD (the ౦Ϸ has viewed the Treasury line of credit as available to cover unforeseen losses, not as a ) Tj 98 Tz 0.50 -13.90 TD (source of financing projected losses. ) Tj 99 Tz 35.25 -25.70 TD (A 2 percent DRR is an integral part of the ౦Ϸ's comprehensive, long-range ) Tj -35.75 -13.90 TD (management plan for the DIF. A fund that is sufficiently large is a necessary precondition to ) Tj 0.00 -13.70 TD (maintaining a positive fund balance during a banking crisis and allowing for long-term, steady ) Tj 97 Tz 0.00 -14.15 TD (assessment rates. ) Tj 99 Tz 35.75 -25.45 TD (In developing the long-range management plan, staff analyzed historical fund losses and ) Tj -35.75 -13.90 TD (income data from 1950 to 2010 to determine how high the reserve ratio would have to have been ) Tj -.25 -13.70 TD (before the onset of the two banking crises that occurred during this period to maintain a positive ) Tj 0.00 -13.90 TD (fund balance and stable assessment rates. The analysis, which was detailed in the October 2010 ) Tj -.45 -13.95 TD (NPR, concluded that moderate, long-term average industry assessment rates, combined with an ) Tj 0.45 -13.65 TD (appropriate dividend or assessment rate reduction policy, would have been sufficient to prevent ) Tj -.45 -13.95 TD (the fund from becoming negative during the crises. Staff also found that the fund reserve ratio ) Tj 98 Tz 0.00 -13.65 TD (would have had to exceed 2 percent before the onset of the crises to achieve these results. ) Tj 36.20 -25.95 TD (Staff views the 2 percent DRR as the ) Tj /F25 12.00 Tf 93 Tz 180.00 0.00 TD (minimum ) Tj /F24 12.00 Tf 99 Tz 47.55 0.25 TD (level needed to withstand a future crisis of ) Tj -264.00 -13.90 TD (the magnitude of past crises. Because analysis shows that a reserve ratio higher than 2 percent ) Tj 0.45 -13.95 TD (increases the chance that the fund will remain positive during such a crisis, the 2 percent DRR ) Tj 98 Tz 0.00 -13.90 TD (should not be treated as a cap on the size of the fund. ) Tj 99 Tz 35.55 -25.70 TD (The analysis set out in the October 2010 NPR sought to determine what assessment rates ) Tj 100 Tz -36.00 -13.65 TD (would have been needed to maintain a positive fund balance during the last two crises. This ) Tj 99 Tz 0.00 -13.95 TD (analysis used an assessment base derived from domestic deposits to calculate assessment ) Tj /F26 5.50 Tf 86 Tz 0.45 -27.60 TD (10 ) Tj /F24 10.00 Tf 99 Tz 5.30 -4.55 TD ( 75 FR 66262 \(Oct. 27, 2010\). Pursuant to the comprehensive plan, the ౦Ϸ also adopted a new Restoration Plan ) Tj -6.25 -11.50 TD (to ensure that the DIF reserve ratio reaches 1.35 percent by September 30, 2020, as required by Dodd-Frank. 75 FR ) Tj 98 Tz 0.25 -11.75 TD (66293 \(Oct. 27, 2010\). ) Tj 99 Tz 3.85 -17.55 TD (' At a September 24, 2010, roundtable organized by the ౦Ϸ, bank executives and industry trade group ) Tj -4.10 -11.25 TD (representatives uniformly favored steady, predictable assessments and found high assessment rates during crises ) Tj 0.25 -11.55 TD (objectionable. 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Dodd-Frank, however, required the ౦Ϸ to change the assessment base to average ) Tj -.20 -13.90 TD (consolidated total assets minus average tangible equity. In the December 2010 final rule ) Tj 0.00 -13.70 TD (establishing a 2 percent DRR, staff undertook additional analysis to determine how the results of ) Tj -.50 -13.90 TD (the original analysis would change had the new assessment base been in place from 1950 to ) Tj 0.25 -13.70 TD (2010. Both the analyses in the October 2010 NPR and the December 2010 final rule show that ) Tj 98 Tz -.25 -13.70 TD (the fund reserve ratio would have needed to be approximately 2 percent or more before the onset ) Tj 0.25 -13.90 TD (of the crises to maintain both a positive fund balance and stable assessment rates. ) Tj /F31 8.00 Tf 82 Tz 389.50 5.50 TD (12 ) Tj /F32 11.50 Tf 101 Tz -389.75 -31.40 TD (Analysis of Statutory Factors ) Tj /F31 12.00 Tf 98 Tz 36.00 -25.70 TD (As discussed above, Dodd-Frank retains the requirement that the Board set and publish ) Tj -36.25 -13.70 TD (the DRR annually in accordance with its analysis of statutory factors. ) Tj 50 Tz 332.90 5.30 TD (13 ) Tj 100 Tz 6.25 -5.30 TD ( The analysis that follows ) Tj 99 Tz -338.90 -13.90 TD (considers each statutory factor, including one "other factor": maintaining the DIF at a level that ) Tj -.25 -13.70 TD (can withstand substantial losses, consistent with the ౦Ϸ's comprehensive, long-term fund ) Tj 98 Tz -.25 -13.65 TD (management plan. ) Tj /F33 12.00 Tf -.20 -26.15 TD (Risk of losses to the DIE ) Tj /F31 12.00 Tf 99 Tz 36.20 -25.70 TD (As banking industry performance has improved in recent quarters, so has the condition of ) Tj -36.45 -13.70 TD (the insurance fund. The DIF balance has increased for eleven quarters in a row, following seven ) Tj 0.25 -13.65 TD (quarters of decline, and stood at ) Tj /F33 13.00 Tf 87 Tz 156.45 -.50 TD ($25.2 ) Tj /F31 12.00 Tf 100 Tz 29.30 0.25 TD (billion on September 30, 2012. Cumulatively, the DIF ) Tj 99 Tz -186.00 -13.70 TD (balance has risen by more than $46 billion from its negative $20.9 billion low point at the end of ) Tj 0.00 -13.90 TD (2009. Of the total increase in the DIF balance, $6.6 billion comes from fees previously set aside ) Tj 98 Tz 0.25 -13.70 TD (for debt guaranteed under the Temporary Liquidity Guarantee Program \(TLGP\), reflecting the ) Tj -.50 -13.65 TD (wind-down of the program. ) Tj 56 Tz 132.70 5.50 TD (14 ) Tj 100 Tz 7.00 -5.75 TD ( Other factors contributing to the increase include assessment ) Tj /F31 5.50 Tf 94 Tz -139.00 -23.75 TD (12 ) Tj /F31 10.00 Tf 99 Tz 5.30 -4.80 TD ( 12 U.S.C. 1817\(nt\). The updated analysis in the December 2010 final rule, like the analysis in the October 2010 ) Tj -6.25 -11.55 TD (NPR, assumed, in lieu of dividends, that the long-term industry average nominal assessment rate would be reduced ) Tj 93 Tz 0.00 -11.50 TD (by ) Tj /F33 10.00 Tf 93 Tz 12.25 0.25 TD (25 ) Tj /F31 10.00 Tf 98 Tz 12.70 -.25 TD (percent when the reserve ratio reached 2 percent, and by 50 percent when the reserve ratio reached ) Tj /F33 10.00 Tf 92 Tz 396.25 -.25 TD (2.5 ) Tj /F31 10.00 Tf 99 Tz -421.45 -11.25 TD (percent. Eliminating dividends and reducing rates successfully limits rate volatility whichever assessment base is ) Tj 93 Tz 0.25 -11.55 TD (used. ) Tj /F31 5.50 Tf 91 Tz 0.50 -12.70 TD (13 ) Tj /F31 10.00 Tf 99 Tz 5.05 -4.80 TD ( Specifically, in setting the DRR for any year, the Board must consider the following factors: ) Tj 30.45 -17.30 TD (\(1\)) Tj 98 Tz 14.40 -.25 TD (The risk of losses to the DIF in the current and future years, including historic experience and potential ) Tj -14.40 -11.50 TD (and estimated losses from insured depository institutions. ) Tj 99 Tz 0.00 -17.30 TD (\(2\)) Tj 14.15 -.20 TD (Economic conditions generally affecting insured depository institutions so as to allow the DRR to ) Tj 98 Tz -14.15 -11.55 TD (increase during more favorable economic conditions and to decrease during less favorable economic ) Tj -.25 -11.50 TD (conditions, notwithstanding the increased risks of loss that may exist during such less favorable conditions, ) Tj 0.00 -11.30 TD (as the Board determines to be appropriate. ) Tj 99 Tz 0.00 -17.50 TD (\(3\)) Tj 98 Tz 14.20 0.00 TD (That sharp swings in assessment rates for insured depository institutions should be prevented. ) Tj 99 Tz -14.40 -17.55 TD (\(4\)) Tj 14.40 0.00 TD (Other factors as the ౦Ϸ's Board may deem appropriate, consistent with the requirements of the ) Tj 97 Tz -14.65 -11.50 TD (Reform Act. ) Tj -35.05 -17.50 TD (12 U.S.C. 1817\(b\)\(3\)\(B\). ) Tj /F31 5.50 Tf 94 Tz -.50 -12.75 TD (14 ) Tj /F31 10.00 Tf 99 Tz 5.30 -4.80 TD ( The TLGP was announced on October 14, 2008, as part of the federal government's coordinated response to the ) Tj -6.00 -11.50 TD (financial crisis. The TLGP was intended to promote financial stability by preserving confidence in the banking ) Tj 98 Tz 0.00 -11.55 TD (system and encouraging lending in the interbank credit market, thus facilitating lending to creditworthy businesses ) Tj 100 Tz 0.00 -11.50 TD (and consumers. 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B (AL H( UV@}aP<8pY 0phj2&;)-"1o:/N7jb܌*}ނ~zA=ouֻ}>O뮵UZ/d "5:f# ծn:=)4gVV?%̍f"? "@ 4:!<K d_ J Y~h2Ai3"AF`h D-s1rD%A|˰@Ϙ&OA PaxhL | JSئ A APza0(M=0ZMuOMQnDt¦T wZ¯E ݧ i Qn&!|Z'DމƑnEExV..pŢƗ5nkLawF ;/h`˙c.c_EE:/67pƂnlWӆ e&$AM28M&#,;A8u䭤N܍P_jdӤ?VzwMu?6#OIn|'WiIe䢯W 'za<{xO_+}_[JkI$U7_zO}]'էW^IB}~_=7__j?]޿qum_u1u]qoK cW+vo\BկIpy1_XȮzvz ~BpZzWY?KKџ1?> stream q q 611.76 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im37 Do Q Q q BT 3 Tr /F38 12.00 Tf 99 Tz 69.35 686.40 TD (income and a decline in the contingent loss reserve for anticipated bank failures. At September ) Tj 0.25 -13.90 TD (30, 2012, the contingent loss reserve was $3.6 billion, down from $7.2 billion one year earlier. ) Tj 98 Tz 35.75 -27.40 TD (Staff projects that the cost of failures for the five-year period from 2012 through 2016 ) Tj 99 Tz -36.45 -13.90 TD (will be $10 billion, following estimated losses of $88 billion for banks that failed in 2008, 2009, ) Tj 0.20 -13.70 TD (2010, and 2011. The projections are based on recently available information about banks ) Tj 98 Tz 0.00 -13.90 TD (expected to fail in the near term and on analyses of longer term prospects for troubled banks and ) Tj 99 Tz -.45 -13.70 TD (trends in CAMELS ratings, failure rates, and loss rates. Beyond five years, the projections ) Tj 0.25 -14.15 TD (assume a low level of failures and associated losses. ) Tj 35.75 -25.45 TD (In staff's view, high deposit insurance fund losses incurred during the crisis of the 1980s ) Tj -35.75 -13.90 TD (and early 1990s and during the more recent crisis suggest that the Board should set a DRR at a ) Tj 0.00 -13.70 TD (level that would have maintained a positive fund balance during both crises. Adoption of this ) Tj -.25 -13.90 TD (long-range, minimum goal would improve the DIF's ability to handle losses during any future ) Tj -.25 -13.70 TD (periods of severe industry stress and reduce the possibility of increased deposit insurance ) Tj 98 Tz 0.25 -14.15 TD (assessment rates during a banking downturn. ) Tj /F39 12.00 Tf 99 Tz -.50 -25.65 TD (Economic conditions affecting ౦Ϸ-insured institutions ) Tj /F38 12.00 Tf 36.25 -25.70 TD (The current U.S. economic recovery has fallen short of previous recoveries, as evidenced ) Tj 100 Tz -36.25 -13.90 TD (by persistently high unemployment and relatively slow growth. Two key risks continue to weigh ) Tj 99 Tz 0.25 -13.70 TD (on the economic outlook. First, uncertain prospects for the European economy have increased ) Tj -.25 -13.90 TD (volatility in global financial markets, which could trigger increased volatility in U.S. financial ) Tj 100 Tz 0.00 -13.70 TD (markets and adversely affect the U.S. economy. Second, the "fiscal cliff' at the start of 2013) Tj 99 Tz 0.00 -13.90 TD (the scheduled expiration of several tax cuts and the start of automatic federal spending cuts) Tj 98 Tz 0.00 -13.95 TD (appears to be already affecting economic activity. ) Tj 99 Tz 35.30 -27.35 TD (Nevertheless, the slow but steady expansion of the U.S. economy should enable a ) Tj -35.55 -13.90 TD (continued gradual improvement of the condition of ౦Ϸ-insured depository institutions. Recent ) Tj -.20 -13.70 TD (trends in banking industry performance have, in fact, been generally positive. The third quarter ) Tj 100 Tz 0.20 -13.90 TD (of 2012 was the eleventh consecutive quarter of aggregate positive net income. More than half ) Tj 99 Tz 0.00 -13.70 TD (of all insured institutions reported improvement in quarterly net income from one year earlier, ) Tj 0.00 -13.90 TD (and the number of unprofitable institutions declined from year-earlier levels in each of the last ) Tj -.45 -13.95 TD (twelve quarters. Improving credit performance, leading to lower loan loss provisions, has been ) Tj 0.00 -13.65 TD (primarily responsible for most of the year-over-year improvement in earnings. Asset quality, as ) Tj 0.00 -13.95 TD (measured by the volume of noncurrent loans and leases, has improved for ten consecutive ) Tj 93 Tz 0.25 -13.90 TD (quarters. ) Tj /F38 10.00 Tf 99 Tz -.50 -64.10 TD (unsecured debt of insured depository institutions and their holding companies \(the Debt Guarantee Program\), and ) Tj 0.25 -11.50 TD (another that guaranteed certain transaction accounts at insured depository institutions \(the Transaction Account ) Tj 100 Tz 0.00 -11.55 TD (Guarantee Program, or TAG\). There are $1.7 billion in assets still set aside to pay TLGP claims. The TAG expired ) Tj 99 Tz 0.00 -11.50 TD (at the end of 2010 and was replaced by a similar temporary program established under Dodd-Frank that is scheduled ) Tj -.50 -11.50 TD (to expire on December 31, 2012. 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V!w[o__LW߿zwi~w{դ~jJ__KJ_׶__a'J vjk $4]׿a%_5m&ﵿl/amzm|S ;M6Xaf?m2f?l* ?دcD"&>!aKl$ ۯ+LN!QjiD8⢽?bIm+]ڐ#nդ^v l0?xbWV#m;!M&KwaM6L0h6B:M6d#a6M8i4aMi!4; $tAh6aAM4i> $ L&Bj A0AaaEp uM4a A4"8UAba1A4Ma6aSH7a)8A4U4a0@l* 0iDp@0A E5d aM8a;Thl&N"HEM0A"L&a D0D aDCD0xa hD00 !5 D8d & a4„GHDDDDDDDDDDDDDDDDjXC h4E/*d((̉L64(&3v W BL%˜fWUB.>A_ܴʩYƿ}5~Ѥ5/άʱqè)-Ѳϩձ:xՐ$٭YL3̞##<’R3Vyq̕g(jQY~lfjyԌ ֏2v߂ ")Ḃ쏈" J~ "P@<))B 0P@  p`y0A!A`0lSCA#  i 6a0@B &Lcنh! B@S͘ež * T&AS:Mt4J a P4MT މ 0 W~ aWA0T4m;T D݂j4L&k*{<6QΚcffv5 /(Z//f ESML9 X2t//!ށAH7i AL=4lUm8uP -7Ntxv&z66GӤ鴝]&ؚ)7l2%N2%IyMAn@6hƂ Ӥu6a0&Aץ~6u Wa? aj% &vJO% m JF|޿M~W']N ._VVZmR/a ?7j+[릺u}zoKKӥkav,1Ս> stream q q 611.76 0.00 0.00 792.00 0.00 0.00 cm 0.00 0.00 0.00 rg /Im43 Do Q Q q BT 3 Tr /F44 12.00 Tf 99 Tz 104.90 687.60 TD (The total number of institutions on the ౦Ϸ's Problem Institution List fell to 694 at ) Tj 100 Tz -35.55 -13.70 TD (September 30, 2012 from 732 at June 30, 2012 and 844 at September 30, 2011. The number of ) Tj 99 Tz -.70 -13.90 TD (problem banks has declined for six consecutive quarters and is now at its lowest level in three ) Tj 0.25 -13.70 TD (years. The improvement in the number of problem institutions reflects a decline during 2012 in ) Tj -.25 -13.65 TD (the rate of supervisory rating downgrades from CAMELS ratings of 1 or 2 to CAMELS ratings ) Tj 0.00 -13.95 TD (of 3, 4, or ) Tj /F45 12.50 Tf 82 Tz 50.40 -.20 TD (5, ) Tj /F44 12.00 Tf 98 Tz 11.75 0.20 TD (as well as an increase in the rate of supervisory rating upgrades. ) Tj -26.15 -27.60 TD (The rates at which 3-, 4-, or 5-rated institutions have failed, calculated over trailing 12-) Tj 99 Tz -36.25 -13.65 TD (month periods, have declined significantly since the spring of 2010, both in terms of institution ) Tj 0.00 -13.95 TD (numbers and assets. A total of 50 banks failed from January through November of 2012, down ) Tj 0.25 -13.65 TD (from 90 for the same eleven-month period in 2011. The total assets of failures from January ) Tj 100 Tz -.50 -13.95 TD (through November 2012 - $11.7 billion - were significantly less than the ) Tj /F45 12.50 Tf 87 Tz 354.50 -.20 TD ($35 ) Tj /F44 12.00 Tf 99 Tz 20.40 0.45 TD (billion in total ) Tj 98 Tz -374.65 -13.90 TD (assets of failures in the first eleven months of 2011. ) Tj 99 Tz 35.50 -25.95 TD (Although near-term economic prospects can inform the Board's decision on the DRR, ) Tj -35.75 -13.65 TD (they become less relevant in setting the DRR when the DIF balance is still recovering from the ) Tj 0.00 -13.95 TD (effects of the crisis. In this context, staff believes that the DRR should be viewed in a longer-) Tj -.25 -13.90 TD (term perspective. Twice within the past 30 years, serious economic dislocations have resulted in ) Tj 0.25 -13.70 TD (a significant deterioration in the condition of many insured depository institutions and in a ) Tj -.25 -13.90 TD (consequent large number of insured depository institution failures at high costs to the DIF. In ) Tj 100 Tz 0.25 -13.70 TD (staffs view, the DRR should, therefore, be viewed as a minimum goal needed to achieve a ) Tj 99 Tz -.45 -13.65 TD (reserve ratio that can withstand these periodic economic downturns and their attendant insured ) Tj 0.20 -13.95 TD (depository institution failures. Taking these longer-term economic realities into account, a ) Tj -.45 -13.65 TD (prudent and consistent policy would set the DRR at a minimum of 2 percent, since that is the ) Tj 0.25 -13.95 TD (lowest level that would have prevented a negative fund balance at any time since 1950 without ) Tj 98 Tz -.25 -13.90 TD (raising assessment rates during the crises. ) Tj /F45 12.00 Tf 100 Tz -.25 -25.70 TD (Preventing sharp swings in assessment rates ) Tj /F44 12.00 Tf 99 Tz 36.25 -25.65 TD (Current law directs the Board to consider preventing sharp swings in assessment rates for ) Tj -36.00 -13.95 TD (insured depository institutions. Setting the DRR at 2 percent as a minimum goal rather than a ) Tj 0.00 -13.90 TD (final target would signal that the Board plans for the DIF to grow in good times so that funds are ) Tj -.25 -13.90 TD (available to handle multiple bank failures in bad times. This plan would help prevent sharp ) Tj 0.00 -13.70 TD (fluctuations in deposit insurance premiums over the course of the business cycle. In particular, it ) Tj -.25 -13.90 TD (would help reduce the risk of large rate increases during crises, when insured depository ) Tj 98 Tz 0.25 -13.70 TD (institutions can least afford an increase. ) Tj /F45 12.00 Tf 100 Tz -.70 -25.70 TD (Maintaining the DIE at a level that can withstand substantial losses ) Tj /F44 12.00 Tf 99 Tz 36.70 -25.90 TD (Staff again recommends, as it did in 2010 and 2011, that the Board consider one ) Tj -36.25 -13.70 TD (additional factor when setting the DRR: viewing the DRR as a minimum goal that will allow the ) Tj -.25 -13.90 TD (fund to grow sufficiently large in good times to increase the likelihood of the DIF remaining ) Tj 100 Tz -.20 -13.90 TD (positive during bad times. This aim is consistent with the ౦Ϸ's comprehensive, long-term ) Tj 99 Tz 0.20 -13.70 TD (fund management plan. 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