Percent Not Seasonally Adjusted, This series is constructed as a sum of Allowance for Loan and Lease Losses call item RCFD3123 and Allocated Transfer Risk Reserves call item RCFD3128 to the Total Loans and Leases, Net of Unearned Income call item RCFD2122. The asset classes are determined by using Quarterly Average of Total Assets call item RCFD3368 greater than $1B and less than $15B. For more information and definition about the specific call item codes, please see http://m-fwapp2p.frb.gov/apps/rs_a/MDRM/DataDictionary/search.cfm. This series is calculated by the Federal Reserve Bank of St. Louis using raw data that are collected by the FFIEC. Raw data can be found at https://cdr.ffiec.gov/public/.