FFIEC Census 1990 Info Sheet

1990 Based Census Information (Years 1997 - 2002)

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 1990 Census data; the annual MSA 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 1990 Census.

If a tract is split between two or more MSAs, or between one or more MSAs and non-MSA 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 MSA. 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 download the FFIEC Census Windows Application.

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

Census Demographic Information

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.

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 %.

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

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

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

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

Census Income Information

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.

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.

% 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.

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

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.

Census Population Information

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

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.

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.

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

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

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.

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.

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

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.

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

Census Housing Information

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

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.

Inside Central City? - This is a Yes/No indicator of whether this tract/BNA is part of the MSA’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 1990 Census.

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.

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

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.