1. MSA Changes- The following updates announced by the Office of Management    and Budget (OMB) on July 2015 will be included in the 2016 FFIEC Census File:

    a. New Metropolitan Statistical Area: Enid, Oklahoma (MSA 21420, consisting         of Garfield County, code 047).
    b. Name Change: Macon, GA, changed to Macon-Bibb County, GA (MSA          31420, consisting of Bibb County (021), Crawford County (079), Jones County          (169), Monroe County (207), and Twiggs County (289)).

2. County Changes- The following county changes announced by the
    U.S. Census Bureau County Changes website in 2015 will be included in the 2016     FFIEC Census File:

     a. Wade Hampton Census Area, Alaska (02-270) changed name and code to          Kusilvak Census Area (02-158).
     b. Shannon County, South Dakota (46-113) changed name and code to Oglala          Lakota County (46-102).

3. For Fiscal Year (FY) 2016, HUD has adopted the new Metropolitan Statistical    Area/Metropolitan Division (MSA/MD) delineations released by the Office of    Management and Budget (OMB) in February 2013, due to HUD’s use of the
   American Community Survey (ACS) 2013 estimates as a basis for the FY2016    MFIs. However, since the 2013 ACS estimates do not include the OMB’s July    2015    revisions to the MSA/MD delineations, the following geographies were    calculated by the FFIEC:

     a. New Metropolitan Statistical Area: Enid, Oklahoma (MSA 21420, consisting of          Garfield County, code 047)
     b. Non-Metro Area of Oklahoma

2015 - The 2015 Census Reports use a limited number of demographic, income, population, and housing data from the FFIEC's 2014 Census file prepared for HMDA and CRA data. The Office of Management and Budget (OMB) released the revised delineations of Metropolitan Statistical Areas (MSAs) in February 28, 2013. The revised MSA/MD delineations apply to HMDA and CRA data collected on or after January 1, 2014. The delineations were initially incorporated in the 2014 FFIEC Census file and will continue to be used in the 2015 FFIEC Census file and forward.

2014 - The 2014 Census Reports use a limited number of demographic, income, population, and housing data from the FFIEC's 2014 Census file prepared for HMDA and CRA data. The Office of Management and Budget (OMB) released the revised delineations of Metropolitan Statistical Areas (MSAs) in February 2013. The new MSA definitions released in February 2013 apply to HMDA and CRA data collected on or after January 1, 2014 and are incorporated in the 2014 Census data and Geocoding System. Unless specifically noted each item of data on these pages is from 2010 ACS or Census 2010 SF1.

2013 - The 2013 Census Reports use a limited number of demographic, income, population, and housing data from the FFIEC's 2013 Census file prepared for HMDA and CRA data. The Office of Management and Budget (OMB) released the revised delineations of Metropolitan Statistical Areas (MSAs) in February 2013. However, the OMB’s revised definitions are not adopted in the 2013 FFIEC Census data and therefore do not affect HMDA or CRA data collected in 2013. The new MSA definitions released in February 2013 apply to HMDA and CRA data collected on or after January 1, 2014 and will be incorporated in the 2014 Census data and Geocoding System. Unless specifically noted each item of data on these pages is from 2010 ACS or Census 2010 SF1. There were 216 underwater tracts reinstated in 2013 Census file.

2012 - The 2012 Census Reports use a limited number of demographic, income, population, and housing data from the FFIEC's 2012 Census file prepared for HMDA and CRA data. It is important to note the 2012 data reflect the Office of Management and Budget's (OMB) new geographic classifications that were originally released in June 2003 and updated in subsequent bulletins, which significantly changed the way metropolitan areas are defined. Unless specifically noted each item of data on these pages is from 2010 ACS or Census 2010 SF1. There were 209 underwater tracts omitted from 2012 Census file.

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.

Distressed or Underserved Tract - A 'Yes' in this column indicates that the tract is designated as Nonmetropolitan Middle-Income Distressed or Underserved geography based on criteria designated by federal banking and thrift regulators.

Distressed nonmetropolitan middle-income geographies are those located in counties with: (1) an unemployment rate of at least 1.5 times the national average; (2) a poverty rate of 20 percent or more; or (3) a population loss of 5 percentage or more in the 5 year period preceding the most recent decennial census.

Underserved nonmetropolitan middle-income geographies are those designated with "urban influence codes" numbered 7, 10, 11, and 12 that are maintained by the Economic Research Service of the United States Department of Agriculture.

Tract Median Family Income % - This compares the tract level Median Family Income (MFI) to the MSA/MD level MFI. It is calculated by dividing the 2010 Tract MFI by the 2010 MSA/MD MFI. (For tracts located outside of an MSA/MD, the MFI used in the denominator is the statewide non-MSA/MD MFI.) Go to Tract Income Level to see how the tracts are grouped based on their Median Family Income %.

2016 FFIEC Estimated MSA/MD/non-MSA/MD Median Family Income - This is the estimated Median Family Income as determined by FFIEC for each MSA/MD in the United States and for each state’s non-MSA/MD area. This field changes annually.

2016 Est. Tract Median Family Income - This is the census tract’s estimated Median Family Income (MFI) for each year, based on the FFIEC estimate for the MSA/MD or non-MSA/MD area where the tract is located. It is calculated by multiplying the tract’s Median Family Income % by the annual FFIEC MSA/MD MFI. This field changes annually.

2010 Tract Median Family Income - This is the census tract’s Median Family Income based on the 2010 ACS. This field is called Tract Median Fam Inc. on the Census Windows Application.

Tract Population - This is the census tract’s population based on the 2010 SF1.

Tract Minority % - This is the percentage of the tract’s total population minus white alone population according to the 2010 SF1. 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 2010 SF1.

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 2010 ACS. This field is called Tenure Owner Occ Housing Units on the Census Windows Application.

1- to 4-Family Units - This is the number of housing units that hold less than 5 families. Condominiums, townhouses, single-family homes, mobile homes, boats, RVs, and vans are included in this number. Apartment buildings are not included in this number. The number was determined by the 2010 ACS. This field is called Units Structure 1 to 4 subtotal on the Census Windows Application.

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.

2010 MSA/MD statewide non-MSA/MD Median Family Income - This is the Median Family Income (MFI) for the MSA/MD in which the tract is located. If the tract is not in a MSA/MD, this MFI is for all portions of the state not in MSA/MDs. The values for MSA/MD statewide non-MSA/MD Median Family Income are from the U.S. Census Bureau's 2010 ACS 5 year estimates. The MSA/MD definitions have not been altered by the Office of Management and Budget for 2013; they are the same MSA/MD boundaries as used in the 2011 FFIEC Census. The MSA/MD definitions have been revised by the Office of Management and Budget, effective February 2013. However, the revised definitions do not affect HMDA data collection for 2013; they apply to HMDA data collected on or after January 1, 2014.

2016 FFIEC Estimated MSA/MD/non-MSA/MD Median Family Income - This is the estimated Median Family Income as determined by FFIEC for each MSA/MD in the United States and for each state’s non-MSA/MD area. This field changes annually.

% 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 2010 ACS results and the Census' definition of the poverty level. This field is called Poverty Level Percent on the Census Windows Application.

Tract Median Family Income % - This compares the tract level Median Family Income (MFI) to the MSA/MD level MFI. It is calculated by dividing the 2010 Tract MFI by the 2010 MSA/MD MFI. (For tracts located outside of an MSA/MD, the MFI used in the denominator is the statewide non-MSA/MD MFI. This figure is calculated using incomes from all areas of a state that are not assigned to MSA/MDs.) Go to Tract Income Level to see how the tracts are grouped based on their Median Family Income %.

2010 Tract Median Family Income - This is the census tract’s Median Family Income based on the 2010 ACS. This field is called Tract Median Fam Inc. on the Census Windows Application.

2016 Est. Tract Median Family Income - This is the census tract’s estimated Median Family Income (MFI) for each year, based on the FFIEC estimate for the MSA/MD or non-MSA/MD area where the tract is located. It is calculated by multiplying the tract’s Median Family Income % by the annual FFIEC MSA/MD MFI. This field changes annually.

2010 Tract Median Household Income - This is the median income of all households in the tract based on the 2010 ACS. 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 2010 SF1.

Tract Minority % - This is the percentage of the tract’s total population minus white alone population according to the 2010 SFI. 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 2010 ACS. 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 2010 ACS. 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 Census Windows Application.

Non-Hisp White Population - This is the number of people in the tract that listed themselves as non-Hispanic white on the 2010 SFI.

Tract Minority Population - This is the census tract’s total population minus white alone population based on the 2010 SFI.

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 2010 SFI.

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 2010 SFI.

Black Population - This is the number of people in the tract that listed themselves as non-Hispanic black/African/American on the 2010 SFI.

Hispanic Population - This is the number of people in the tract that listed themselves as Hispanic only on the 2010 SF1.

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 2010 ACS.

Total Housing Units - This is the total number of occupiable housing units in the tract as determined by the 2010 ACS.

1- to 4-Family Units - This is the number of housing units that hold less than 5 families. Condominiums, townhouses, single-family homes, mobile homes, boats, RVs, and vans are included in this number. Apartment buildings are not included in this number. The number was determined by the 2010 ACS. This field is called Units Structure 1 to 4 subtotal on the Census Windows Application.

Median Age of Housing Stock - This is the median age of all housing units in the tract as determined by the 2010 ACS. Remember that this would be the median age in 2010 so the median age now would be higher, unless a lot of new residences have been built since then.

Inside Principal City? - This is a Yes/No indicator of whether this tract is part of the MSA/MD's principal 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 2010 ACS. This field is called Tenure Owner Occ Housing Units in the Census Windows Application.

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 2010 ACS. This field is called Tenure Renter Occ Housing Units on the Census Windows Application.

Vacant Units - This is the number of housing units that are not occupied. This field is called Vac Status Vacant Housing Units on the Census Windows Application. This number is not available in the 2010 ACS.

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 2010 ACS. This field is called Tenure Own Occ 1 to 4 subtotal on the Census Windows Application.