Each census report contains the primary census data that the FFIEC uses to create the CRA and HMDA 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 three files: the 2000 Census data; the annual MA boundary definitions from the Office of Management and Budget (OMB); and the annual United States Department of Housing and Urban Development (HUD) Median Family Incomes. Unless specifically noted, each item of data on these pages is from the 2000 Census.

If a tract is split between two or more MAs, or between one or more MAs and non-MA areas, it is referred to as a split tract. If only one tract is selected when choosing the geographical criteria and it is a split tract, you will be asked to specify the MA. If multiple tracts are selected when choosing the geographical criteria and one or more of the tracts are split tracts, the split tracts will be identified with a footnote(¹ ) indicator.

Note: If more in-depth data analysis is needed, you may wish to obtain the FFIEC Census Data CD-ROM. Refer to the CRA/HMDA Data Order Form for Census CD-Rom availability, possible associated cost, and media type information. The FFIEC updates the CD-ROM annually to reflect changes to MA boundaries announced by OMB, and income estimates developed by HUD. In addition to including a database that purchasers can use to analyze the data, this software contains a larger selection of census information and the ability to subset the data by state, MA, or county and then view, print, and/or export the data.

Summary Census Demographic Information | Census Income Information | Census Population Information | Census Housing Information

Tract Income Level - This corresponds to tract classifications as defined by the HMDA and CRA regulations. This field is based on the Tract Median Family Income %:

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.

Tract Median Family Income % - This compares the tract level Median Family Income (MFI) to the MA level MFI. It is calculated by dividing the 2000 Tract MFI by the 2000 MA MFI. (For tracts located outside of an MA, the MFI used in the denominator is the statewide non-MA MFI. This figure is calculated using incomes from all areas of a state that are not assigned to MAs). Go to Tract Income Level to see how the tracts are grouped based on their Median Family Income %.

2000 HUD MA 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 MA in the United States and for each state’s non-MA area.

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

2000 Tract Median Family Income - This is the census tract’s Median Family Income based on the 2000 Census. This field is called Tract Median Fam Inc on the CD-ROM.

Tract Population - This is the census tract’s population based on the 2000 Census.

Tract Minority % - This is the percentage of the tract’s total population minus white alone population according to the 2000 Census. It is calculated by dividing the Minority Population by the Tract Population.

Minority Population - This is the census tract’s total population minus white alone population based on the 2000 Census.

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 2000 Census. This field is called Tenure Owner Occ Housing Units on the CD-ROM.

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 2000 Census. This field is called Units Structure 1 to 4 subtotal on the CD-ROM.

Tract Income Level - This corresponds to tract classifications as defined by the HMDA and CRA regulations. This field is based on the Tract Median Family Income %:

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.

2000 MA/statewide non-MA Median Family Income - This is the Median Family Income (MFI) of the MA that the tract is based on the 2000 Census. If the tract is not in a MA, this MFI is for all portions of the state not in MAs.

2000 HUD MA 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 MA in the United States and for each state’s non-MA area.

% below Poverty Line - This is the number of people in the tract living below the poverty level divided by the tract’s total population. This percentage was determined by the 2000 Census results and the Census's definition of the poverty level. This field is called Poverty Level Percent on the CD-ROM.

Tract Median Family Income % - This compares the tract level Median Family Income (MFI) to the MA’s MFI. It is calculated by dividing the 2000 Tract MFI by the 2000 MA MFI. (For tracts located outside of an MA, the MFI used in the denominator is the statewide non-MA MFI. This figure is calculated using incomes from all areas of a state that are not assigned to MAs). Go to Tract Income Level to see how the tracts are grouped based on their Median Family Income %.

2000 Tract Median Family Income - This is the census tract’s Median Family Income based on the 2000 Census.

2000 Tract Estimated Median Family Income - This is the census tract’s estimated Median Family Income (MFI) for each year, based on the HUD estimate for the MA or non-MA area where the tract is located. It is calculated by multiplying the tract’s Median Family Income % by the annual HUD MA MFI.

2000 Tract Median Household Income - This is the median income of all households in the tract based on the 2000 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.

Tract Population - This is the census tract’s population based on the 2000 Census.

Tract Minority % - This is the percentage of the tract’s total population minus white alone population according to the 2000 Census. It is calculated by dividing the Minority Population by the Tract Population.

Number of Families - This is the number of families in the tract as determined by the 2000 Census. A family is defined as two or more related people living together.

Number of Households - This is the number of households in the tract as determined by the 2000 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. This field is called HH Inc Total on the CD-ROM.

Non-Hisp White Population - This is the number of people in the tract that listed themselves as non-Hispanic white on the 2000 Census.

Tract Minority Population - This is the census tract’s total population minus white alone population based on the 2000 Census.

American Indian Population - This is the number of people in the tract that listed themselves as non-Hispanic American Indian or Alaskan Native on the 2000 Census.

Asian/Hawaiian/Pacific Islander Population - This is the number of people in the tract that listed themselves as non-Hispanic Asian or Pacific Islander on the 2000 Census.

Black Population - This is the number of people in the tract that listed themselves as non-Hispanic black/African/American on the 2000 Census.

Hispanic Population - This is the number of people in the tract that listed themselves as Hispanic only on the 2000 Census.

Other Population/Two or More Races - This is the number of people in the tract that listed themselves as non-Hispanic some other race plus two or more races on the 2000 Census. This field is called Nonhisp Combo Other Race Pop on the CD-ROM.

Total Housing Units - This is the total number of occupiable housing units in the tract as determined by the 2000 Census.

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 2000 Census. This field is called Units Structure 1 to 4 subtotal on the CD-ROM.

Median House Age (Years) - This is the median age of all housing units in the tract as determined by the 2000 Census. Remember that this would be the median age in 2000 so the median age now would be higher, unless a lot of new residences have been built since then.

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

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 2000 Census. This field is called Tenure Owner Occ Housing Units in the CD-ROM.

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 2000 Census. This field is called Tenure Renter Occ Housing Units on the CD-ROM.

Vacant Units - This is the number of housing units that are not occupied. This number was determined by the 2000 Census. This field is called Vac Status Vacant Housing Units on the CD-ROM.

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 2000 Census. This field is called Tenure Own Occ 1 to 4 subtotal on the CD-ROM.