This series is a ratio of Net Income call item RIAD4340 to Quarterly Average of Total Assets call item RCFD3368. The asset classes are determined by using Quarterly Average of Total Assets call item RCFD3368 less than $300M. Data are annualized. For more information and definition about the specific call item codes, please see http://m-fwapp2p.frb.gov/apps/rs_a/MDRM/DataDictionary/search.cfm. 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/.