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.
Geographic location is determined by the Federal Reserve District call item RSSD9170 = '05' representing Richmond Federal Reserve District.
For more information and definition about the specific call item codes, please see http://www.federalreserve.gov/apps/mdrm/data-dictionary.
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/.
Federal Financial Institutions Examination Council (US), Loan Loss Reserve to Total Loans for Banks Geographically Located in FRB-Richmond District [D5LLRTL], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/D5LLRTL, April 21, 2019.