http://www.reuters.com/article/ousivMolt/idUSTRE59208120091003

Earlier this week the FDIC took steps aimed at shoring up the depleted insurance fund by proposing that banks prepay three years of their regular assessments.

deplete 使い尽くす

Currently many banks have been struggling to deal with their bad loans. Because it always leads to problems on availability of funding for banks' assets and ensuring interest payments for their debts. The regulatory capital to ensure repayment of interests on customers' deposit money has been also dried up so it must be a real tough time for goverments as well as financial institute to think how to arrange funds for them.