Each census report contains the primary census data that the FFIEC uses to create the CRA aggregate and disclosure reports as well as some additional commonly requested census fields used by the public in data analysis. The reports' demographic information, including income, population, and housing data is being obtained from four files: the 1990 Census data; 2000 Census data; the annual MSA boundary definitions from OMB; and the annual United States Department of Housing and Urban Development (HUD) Median Family Incomes.

Summary Data | Income Data | Population Data | Housing Data

Summary Data

1) Tract/BNA Income Level - This corresponds to tract classifications as defined by the HMDA and CRA regulations. The incomes used for these calculations are the Median Family Incomes from the 1990 Census.

If the Median Family Income % is < 50% then the Income Level is Low.

If the Median Family Income % is >= 50% and < 80% then the Income Level is Moderate.

If the Median Family Income % is >= 80% and < 120% then the Income Level is Middle.

If the Median Family Income % is >=120% then the Income Level is Upper.

If the Median Family Income % is 0% then the Income Level is Not Known.

2) Minority Population - This is the Census Tract/BNA’s population of Black, Hispanic, Asian, American Indian or Other non-white people based on the 1990 Census.

3) Tract/BNA Population - This is the Census Tract/BNA’s population based on the 1990 Census.

4) 2000 Est. Tract/BNA Median Family Income - This is the Census Tract/BNA’s estimated Median Family Income (MFI) for each year, based on the HUD estimate for the MSA or non-MSA area where the Tract/BNA is located. It is calculated by multiplying the Tract/BNA’s Median Income % by the annual HUD MSA MFI. 2000 Census.

5) Tract/BNA Median Family Income % - This compares the Tract/BNA’s Median Family Income (MFI) level to the MSA’s MFI. It is calculated by dividing the 1990 Tract/BNA MFI by the 1990 MSA MFI. (For Tract/BNAs located outside of an MSA, the MFI used in the denominator is the Statewide non-MSA MFI. This figure is calculated using incomes from all areas of a state that are not assigned to MSAs). Go to Tract/BNA Income Level to see how the tract/BNAs are grouped based on their Median Family Income %.

6) Owner-Occupied Units - This is the number of housing units that were lived in by the owner of the unit. This number was determined by the 1990 Census.

7) Tract/BNA Minority % - This is the percentage of the tract/BNA’s population that is Black, Hispanic, Asian, American Indian or Other according to the 1990 Census. It is calculated by dividing the Minority Population by the Tract/BNA Population.

8) 1990 Tract/BNA Median Family Income - This is the Census Tract/BNA’s Median Family Income based on the 1990 Census.

9) 2000 HUD MSA Median Family Income - This is the Estimated Median Family Income as determined by the U.S. Department of Housing and Urban Development (HUD) for each year. HUD annually estimates this income for each MSA in the United States and for each state’s non-MSA area. 2000 Census.

10) 1- to 4-Family Units - This is the number of housing units that hold less than 5 families. Condominiums, townhouses, and single-family homes are included in this number. Apartment buildings are not included in this number. The number was determined by the 1990 Census.

Summary Data | Income Data | Population Data | Housing Data

Income Data

1) 1990 MSA/statewide non-MSA Median Family Income - This is the median family income (MFI) of the MSA that the tract/BNA is based on the 1990 Census. If the tract/BNA is not in a MSA, this MFI is for all portions of the state not in MSAs.

2) 2000 HUD Estimated MSA/non-MSA Median Family Income - This is the Estimated Median Family Income as determined by the U.S. Department of Housing and Urban Development (HUD) for each year. HUD annually estimates this income for each MSA in the United States and for each state’s non-MSA area. 2000 Census.

3) % below Poverty Line - This is the number of people in the tract/BNA living below the poverty level divided by the tract/BNA’s total population. This percentage was determined by the 1990 Census results and the Census' definition of the poverty level.

4) 1990 Tract/BNA Median Household Income - This is the median income of all households in the tract/BNA based on the 1990 Census. Whereas a family is defined as two or more related persons living in the same residence, a household includes all residences, even those for single people or unrelated groups of two or more.

Summary Data | Income Data | Population Data | Housing Data

Population Data

1) Tract/BNA Minority Population - This is the Census Tract/BNA’s population of Black, Hispanic, Asian, American Indian or Other non-white people based on the 1990 Census.

2) American Indian Population - This is the number of people in the tract/BNA that listed themselves as non-Hispanic American Indian or Alaskan Native on the 1990 Census.

3) Number of Families - This is the number of families in the tract/BNA as determined by the 1990 Census. A family is defined as two or more related people living together.

4) Asian Population - This is the number of people in the tract/BNA that listed themselves as non-Hispanic Asian or Pacific Islander on the 1990 Census.

5) Number of Households - This is the number of households in the tract/BNA as determined by the 1990 Census. A household is any residence, including those occupied by single people and unrelated groups of two or more. By definition, all families are also considered households, but not all households are families.

6) White Population - This is the number of people in the tract/BNA that listed themselves as non-Hispanic white on the 1990 Census.

7) Black Population - This is the number of people in the tract/BNA that listed themselves as non-Hispanic black on the 1990 Census.

8) Hispanic Population - This is the number of people in the tract/BNA that listed themselves as Hispanic on the 1990 Census, even if they also listed another race in combination.

9) Other Population - This is the number of people in the tract/BNA that listed themselves as non-Hispanic Other on the 1990 Census.

Summary Data | Income Data | Population Data | Housing Data

Housing Data

1) Total Housing Units - This is the total number of occupiable housing units in the tract/BNA as determined by the 1990 Census.

2) Renter Occupied Units - This is the number of housing units that are occupied by someone other than the owner. This number was determined by the 1990 Census.

3) Vacant Units - This is the number of housing units that are not occupied. This number was determined by the 1990 Census.

4) Owner-Occupied 1- to 4-Family Units - This is the number of housing units that have less than 5 residences and were occupied by the property owner. It was determined by the 1990 Census.

5) Inside Central City? - This is a Yes/No indicator of whether this tract/BNA is part of the MSA’s central city.

6) Median Age of Housing Stock - This is the median age of all housing units in the tract/BNA as determined by the 1990 Census. Remember that this would be the median age in 1990 so the median age now would be higher, unless a lot of new residences have been built since then.