This series is constructed as a difference between Charge-offs on Allowance for Loan and Lease Losses call item RIAD4635 and Recoveries on Allowance for Loan and Lease Losses call item RIAD4605.
Geographic location is determined by Abbreviated State Name call item RSSD9200 = 'VT' representing two character state abbreviation of Vermont.
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), Total Net Charge-offs for Commercial Banks in Vermont [VTTNC], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/VTTNC, September 25, 2018.