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which bank would get a higher CAMELS grade from you?

\begin{tabular}{|c|c|c|c|} \hline & Bank of America & Oxford & TIAA \\ \hline Total assets & 2,418,508,000 & 217,009 & 39,416,000 \\ \hline \begin{tabular}{l} Capital \\ (equity) \end{tabular} & 225,449,000 & 24,912 & 3,501,374 \\ \hline \begin{tabular}{l} Tier-1 \\ capital ratio \end{tabular} & 13.0685% & NR & 14.4799% \\ \hline Net income & 27,414,000 & 2,114 & 372,621 \\ \hline ROA & .0113 & 0.010 & -0.009 \\ \hline ROE & .122 & 0.085 & -0.106 \\ \hline Total loans & 914,251,000 & 163,117 & 28,184,506 \\ \hline \begin{tabular}{l} Interbank \\ borrowings \end{tabular} & 0+47,475,000=47,475,000 & 850+0=850 & 0+0=0 \\ \hline \begin{tabular}{l} Total \\ deposits \end{tabular} & 112,922,000 & 173,363 & 26,396,062 \\ \hline \begin{tabular}{l} Loanloss \\ reserve \end{tabular} & 12,651,000 & 1,985 & 211,219 \\ \hline \begin{tabular}{l} Governmen \\ tsecurities \\ \end{tabular} & \begin{tabular}{l} 101,338,000+133,121,000=234,459,0 \\ 00 \end{tabular} & 0+1,356=1,356 & \begin{tabular}{l} 958,213+236,151=1,194,36 \\ 4 \end{tabular} \\ \hline Cash & \begin{tabular}{l} 108,104,000+24,989,000=133,093,00 \\ 0 \end{tabular} & \begin{tabular}{l} 495+3,290=3,78 \\ 5 \end{tabular} & \begin{tabular}{l} 3,836,107+53,288=3,889,39 \\ 5 \end{tabular} \\ \hline \begin{tabular}{l} Uninsured \\ deposits \end{tabular} & 783,922,000 & NR & 4,576,412 \\ \hline \end{tabular}

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