This series is a ratio of Net Income call item RIAD4340 to Quarterly Average of Total Assets call item RCFD3368. Geographic location is determined by Abbreviated State Name call item RSSD9200 = "TN" representing two character state abbreviation of Tennessee. 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/.