Regarding "FDIC Proposes Large Bank Premium Revamp" [April 14], the real need is to change the base that FDIC insurance is paid on. Deposits and liabilities should both be in the base. Better yet, think of it this way: assets are what go bad and cost the insurance fund huge losses. It's the assets of the banks, not the liabilities. Both insured and uninsured liabilities are used to fund assets. It is the assets that deteriorate in value. So risk premiums should be based on the volume of risk based assets, just like certain capital requirements are. Let's think about it.

Sam Moyer
President
Heritage Bank
Aurora, Neb.

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