Not at all. The FDIC had banks prepay several years of premiums and worked out different arrangements for dealing with bad assets with individual buyers.
When multiple years of payments come in early, it makes a HUGE difference. The FDIC is doing well now and building back reserves.
I'm going to respectfully disagree, in part. Their reserve funds were depleted due to the substantial number of banks that failed. Page 118 of the 2009 Annual Report clearly states that they had a reserve balance of -$20.9 Billion.
That's broke as a joke.
You are correct that they did a 3-year pre-pay to rebuild the fund after the wipe out of 2008/2009, and rolling partially into 2010; however, they also substantially increased their holdings of Treasury notes.
Let's be honest, though. It's all turned into monopoly money at this point. The only thing keeping this sinking ship afloat is the universal game of "pretend" taking place across the globe.