OCC 2002-18
OCC Bulletin
Subject:     Community Reinvestment Act
Description: Income Level, Median Family Income
Date:        May 22, 2002

TO:  Chief Executive Officers and Compliance Officers of 
     All National Banks, Department and Division Heads, 
     and All Examining Personnel

Attached are 1990 U.S. Census and 2002 Department of 
Housing and Urban Development (HUD) estimated median 
family incomes for metropolitan statistical areas (MSA) 
and non-MSA portions of each state.  The annual HUD data 
are used to determine borrower income levels in Community 
Reinvestment Act (CRA) performance evaluations.

The regulation implementing the CRA, 12 CFR 25, 
classifies the income level of an individual or geographic 
area as low-, moderate-, middle-, or upper-income, based 
on the area median income.  Area median income is defined 
as "the median family income for the MSA, if a person or 
geography is located in an MSA" or "the statewide non-
metropolitan median family income, if a person or 
geography is located outside an MSA."  Low-income means 
an individual income that is less than 50 percent of the 
area median income, or a median family income that is 
less than 50 percent, in the case of a geography.  
Similarly, moderate-income means an individual income that 
is at least 50 percent and less than 80 percent of the 
area median income, or a median family income that is at 
least 50 percent and less than 80 percent, in the case of 
a geography.  Middle-income means an individual income 
that is at least 80 percent and less than 120 percent of 
the area median income or a median family income that is 
at least 80 percent and less than 120 percent, in the 
case of a geography.  Upper-income means an individual 
income that is 120 percent or more of the area median 
income, or a median family income that is 120 percent or 
more, in the case of a geography. 

Please direct questions regarding this bulletin to your 
supervisory office or to the Compliance Division in 
Washington, D.C. at (202) 874-4428.


_____________________________
David G. Hammaker
Deputy Comptroller for Compliance


Attachment
[http://www.occ.treas.gov/ftp/bulletin/2002-18a.pdf]
[http://www.occ.treas.gov/ftp/bulletin/2002-18b.xls]