This series is constructed as a difference of Charge-offs on Allowance for Loan and Lease Losses call item RIAD4635 and Recoveries on Allowance for Loan and Lease Losses call item RIAD4605 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 = "08" representing St. Louis Federal Reserve District.
Data are annualized.
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), Net Loan Losses to Average Total Loans for 8th District Banks [D8LSTL], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/D8LSTL, September 25, 2016.