[CENSUS FILE FOR USE WITH HMDA/CRA]{.underline}

1990 DEMOGRAPHICS

\* File is for HMDA/CRA year 1997

> and contains this number of records 64,643

\* File sequence: Metropolitan area number, FIPS State number, FIPS
County number, Census tract-BNA number.

\* Census tract-BNA numbers for the entire nation are represented on
this file.

\* Census tract-BNA numbers are from the 1990 Census Demographics.

\* Metropolitan area definitions are for the edit cycle year indicated.

\* Small counties are tracted or untracted counties with no more than
30,000 population. Untracted counties are counties that were not
completely tracted by the Census Bureau and have more than 30,000
population. Small and untracted counties have 999999 in the Census
tract-BNA field and the appropriate flag in the Small or Untracted
County Flag field (position 21). The individual tract-BNAs are also
represented in this file for Small or Untracted Counties and are
appropriately flagged.

\* If the Demographic Data Flag (position 23) contains an \'X\', it
indicates that income and/or minority data were suppressed by the Census
Bureau for reasons of confidentiality, or, if for Puerto Rico (FIPS
State number 72), minority population data were not collected.

\* Racial average and median family income values are not available with
the 1990 demographics and have been set to zero (the six fields starting
in position 1364).

\* Puerto Rico CRA data have been adjusted to conform to the rest of the
nation. Therefore, slight discrepancies may occur when performing
comparisons to the Puerto Rico census file.

\* Puerto Rico HMDA data have not been adjusted to conform to the rest
of the nation. The data elements for income categories on this file
should be modified to equal the census file when performing analysis on
the HMDA data elements for Puerto Rico.

\* Some element labels are listed twice because of differences in the
way that they are categorized by CRA and HMDA.

\* Median incomes within MSA boundaries denote the MSA Median Family
Income. Those median incomes outside of MSAs (MSA = 9999) denote the
Median Family Income for non-metro areas of the state.

February 21, 1997

[Geographic Codes for HMDA/CRA Editing and Verification]{.underline}

Instructions on performing edit verification of
MSA/state/county/tract-BNA combinations:

\- The MSA code will equal 9999 if the state/county/tract-BNA falls
outside of a Metropolitan Statistical Area.

\- Small counties are tracted or untracted counties with no more than
30,000 population. Untracted counties are counties that were not
completely tracted by the Census Bureau and have more than 30,000
population. Small and untracted counties have 999999 in the Census
tract-BNA field and the appropriate flag in the Small or Untracted
County Flag field (position 21). The individual tract-BNAs are also
represented in this file for Small or Untracted Counties and are
appropriately flagged.

\- Refer to the HMDA or CRA edits to understand the logic of verifying
geographic code combinations. The edit logic for HMDA and CRA differ
slightly. (The edits may be obtained by calling the HMDA Assistance Line
at (202) 452-2016 or the CRA Assistance Line at (202) 872-7584. You may
also request a copy via electronic mail at hmdahelp@frb.gov or
crahelp@frb.gov)

[Notes]{.underline}:

In New England, if a tract is split between 2 or more MSAs, or between 1
or more MSAs and no MSA, the state/county/tract-BNA on this file will
appear for each MSA and Non-metro area.

For HMDA purposes, if a county is partially untracted, the entire county
is considered untracted.

For HMDA purposes, it is *acceptable* for a HMDA reporter to code census
tracts or BNAs in small or untracted counties as \"NA\" on the HMDA-LAR
form.

For CRA purposes, it is *unacceptable* for a CRA reporter to code census
tracts or BNAs in small or untracted counties as \"NA\". The appropriate
Census Tract or BNA number must be reported.

The Income Indicator field was added to indicate the income category for
each census tract-BNA. For HMDA purposes, the income categories are low
or moderate, middle, and upper. Income indicators 1 and 2 are combined
to form the low or moderate category (\<80% of the Median Family
Income). For CRA, the income categories are low, moderate, middle, and
upper.

*Record Information*

  -------------------------- -------------- -------------- --------------
  1997                       In MSA         MSA = 9999     TOTAL

  TRACTS                     47,164         3,612          50,776

  BNAs                       454            10,956         11,410

  Tracts and BNAs            47,618         14,568         62,186

  Small/Untracted Counties   158            2,119          2,277

  Total Records on File      47,776         16,687         64,643
  -------------------------- -------------- -------------- --------------

February 21, 1997

<table>
<colgroup>
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<col style="width: 10%" />
<col style="width: 11%" />
<col style="width: 9%" />
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<col style="width: 7%" />
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<tbody>
<tr class="odd">
<td colspan="8"><strong>File Content</strong> Division of IT</td>
<td>Page</td>
<td>1</td>
<td>of</td>
<td>17</td>
</tr>
<tr class="even">
<td colspan="12"></td>
</tr>
<tr class="odd">
<td colspan="5"><strong>System Title and Acronym:</strong></td>
<td colspan="7">HMDA/CRA</td>
</tr>
<tr class="even">
<td colspan="4"><strong>Descriptive File Name:</strong></td>
<td></td>
<td colspan="7">Census File Format For Use with 1997 HMDA/CRA Data</td>
</tr>
<tr class="odd">
<td colspan="3"><strong>DSName(s):</strong></td>
<td></td>
<td></td>
<td colspan="7">(Unlabeled)</td>
</tr>
<tr class="even">
<td colspan="5"><strong>Format: Length:</strong></td>
<td colspan="7">2456</td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td colspan="2"><strong>Type:</strong></td>
<td colspan="7">FB</td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td colspan="2"><strong>Block Size:</strong></td>
<td colspan="7">22104</td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="3"><strong>Bytes</strong></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="4"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td colspan="4"><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="even">
<td colspan="4">“As of” Date</td>
<td>1</td>
<td>4</td>
<td>4</td>
<td>N</td>
<td colspan="4"><p>Key field. Contains HMDA/CRA</p>
<p>Collection year, e.g., 1996.</p></td>
</tr>
<tr class="odd">
<td colspan="4">Metropolitan Statistical Area (MSA) Code</td>
<td>5</td>
<td>8</td>
<td>4</td>
<td>N</td>
<td colspan="4"><p>Key field. Zero-filled.Non-metro</p>
<p>MSA area = 9999.</p></td>
</tr>
<tr class="even">
<td colspan="4">FIPS State Code</td>
<td>9</td>
<td>10</td>
<td>2</td>
<td>N</td>
<td colspan="4">Key field. Zero-filled</td>
</tr>
<tr class="odd">
<td colspan="4">FIPS County Code</td>
<td>11</td>
<td>13</td>
<td>3</td>
<td>N</td>
<td colspan="4">Key field. Zero-filled</td>
</tr>
<tr class="even">
<td colspan="4">Census tract-BNA</td>
<td>14</td>
<td>19</td>
<td>6</td>
<td>N</td>
<td colspan="4"><p>Key field. Zero-filled. Implied</p>
<p>decimal point, e.g., 8001.24. Field</p>
<p>contains 999999 or valid census</p>
<p>tract/BNA numbers for small and</p>
<p>untracted counties.</p></td>
</tr>
<tr class="odd">
<td colspan="4">Central City Flag</td>
<td>20</td>
<td>20</td>
<td>1</td>
<td>AN</td>
<td colspan="4"><p>Zero: Not a central city tract.</p>
<p>1 : A central city tract</p></td>
</tr>
<tr class="even">
<td colspan="4">Small or Untracted County Flag</td>
<td>21</td>
<td>21</td>
<td>1</td>
<td>AN</td>
<td colspan="4"><p>T: Tract record.</p>
<p>S: Small county.</p>
<p>U: Untracted county.</p></td>
</tr>
<tr class="odd">
<td colspan="4">Split Tract Flag</td>
<td>22</td>
<td>22</td>
<td>1</td>
<td>AN</td>
<td colspan="4"><p>Blank: The tract/BNA number occurs</p>
<p>within one metropolitan statistical</p>
<p>area.</p>
<p>S: The tract/BNA number split</p>
<p>between metropolitan statistical</p>
<p>areas. Only occurs in New England</p>
<p>states.</p></td>
</tr>
</tbody>
</table>

**\*AN** - - alphanumeric (character); **N** -- numeric (zoned decimal);
**B** -- binary February 21, 1997

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<td colspan="8"><strong>File Content</strong> Division of IT</td>
<td>Page</td>
<td>2</td>
<td>of</td>
<td>17</td>
</tr>
<tr class="even">
<td colspan="12"></td>
</tr>
<tr class="odd">
<td colspan="5"><strong>System Title and Acronym:</strong></td>
<td colspan="7">HMDA: Home Mortgage Disclosure Act</td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
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<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="3"><strong>Bytes</strong></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td colspan="4"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td colspan="4"><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="odd">
<td colspan="4">Demographic Data Flag</td>
<td>23</td>
<td>23</td>
<td>1</td>
<td>AN</td>
<td colspan="4"><p>X: The minority population or the</p>
<p>median family income is zero.</p>
<p>Blank: The minority population and</p>
<p>the median family income are both</p>
<p>non-zero.</p></td>
</tr>
<tr class="even">
<td colspan="4">Minority Percentage</td>
<td>24</td>
<td>29</td>
<td>6(2d)</td>
<td>N</td>
<td colspan="4"><p>Zero-filled, 2 decimal places, with</p>
<p>decimal point. The decennial</p>
<p>population as a percentage of the</p>
<p>tract/BNA (or small or untracted</p>
<p>county where tract/BNA = 9999)</p>
<p>population.</p></td>
</tr>
<tr class="odd">
<td colspan="4"><p>Decennial MSA Median Family Income</p>
<p>Percentage</p></td>
<td>30</td>
<td>35</td>
<td>6(2d)</td>
<td>N</td>
<td colspan="4"><p>Zero-filled, 2 decimal places, with</p>
<p>decimal point. The decennial</p>
<p>tract/BNA median family income as a</p>
<p>percentage of the decennial MSA</p>
<p>median income from Census.</p></td>
</tr>
<tr class="even">
<td colspan="4">HUD Estimated MSA Median Family Income</td>
<td>36</td>
<td>43</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled, adjusted annually.</td>
</tr>
<tr class="odd">
<td colspan="4">Persons/Population</td>
<td>44</td>
<td>51</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.(3P1)</td>
</tr>
<tr class="even">
<td colspan="4">Families, count</td>
<td>52</td>
<td>59</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.(3P4)</td>
</tr>
<tr class="odd">
<td colspan="4">Households,count</td>
<td>60</td>
<td>67</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.(3P5)</td>
</tr>
<tr class="even">
<td colspan="4">Female Population</td>
<td>68</td>
<td>75</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.(3P7)</td>
</tr>
<tr class="odd">
<td colspan="4">Male Population</td>
<td>76</td>
<td>83</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.(3P7)</td>
</tr>
<tr class="even">
<td colspan="4">Minority Population</td>
<td>84</td>
<td>91</td>
<td>8</td>
<td>N</td>
<td colspan="4"><p>Zero-filled. Sum of Hispanic Origin</p>
<p>by Race: Non-Hispanic categories</p>
<p>Black; American Indian, Eskimo,</p>
<p>Aleut; Asian or Pacific Islander,</p>
<p>Other. (3P12)</p></td>
</tr>
<tr class="odd">
<td colspan="8">Hispanic Origin by Race: Non-Hispanic (3P12)</td>
<td colspan="4">Labeled Racial/Ethnic Population on previous HMDA census
tapes. Hispanics are in positions 172-179 of this tape.</td>
</tr>
<tr class="even">
<td colspan="4">White</td>
<td>92</td>
<td>99</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Black</td>
<td>100</td>
<td>107</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">American Indian, Eskimo, Aleut</td>
<td>108</td>
<td>115</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
</tbody>
</table>

**\*AN** - - alphanumeric (character); **N** -- numeric (zoned decimal);
**B** -- binary February 21, 1997

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</colgroup>
<tbody>
<tr class="odd">
<td colspan="12"></td>
</tr>
<tr class="even">
<td colspan="5"><strong>System Title and Acronym:</strong></td>
<td colspan="7">HMDA Home Mortgage Disclosure Act</td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
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<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="3"><strong>Bytes</strong></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="4"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td colspan="4"><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="even">
<td colspan="4">Asian or Pacific Islander</td>
<td>116</td>
<td>123</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Other</td>
<td>124</td>
<td>131</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="12">Hispanic Origin by Race: Hispanic (3P12)</td>
</tr>
<tr class="odd">
<td colspan="4">White</td>
<td>132</td>
<td>139</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">Black</td>
<td>140</td>
<td>147</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">American Indian, Eskimo, Aleut</td>
<td>148</td>
<td>155</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">Asian or Pacific Islander</td>
<td>156</td>
<td>163</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Other</td>
<td>164</td>
<td>171</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">Hispanics</td>
<td>172</td>
<td>179</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="12">Age (3P13)</td>
</tr>
<tr class="even">
<td colspan="4">Under 16</td>
<td>180</td>
<td>187</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">16 – 17</td>
<td>188</td>
<td>195</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">18 – 24</td>
<td>196</td>
<td>203</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">25 – 61</td>
<td>204</td>
<td>211</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">62 – 64</td>
<td>212</td>
<td>219</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">65 and over</td>
<td>220</td>
<td>227</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">All Ages, Count</td>
<td>228</td>
<td>235</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Median Age</td>
<td>236</td>
<td>243</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.(3P13)</td>
</tr>
<tr class="even">
<td colspan="12">Age by Language Spoken at Home and Ability to Speak
English (3P28)</td>
</tr>
<tr class="odd">
<td colspan="4"><p>18-64</p>
<p>Speak English</p>
<p>Not Well/At All</p></td>
<td>244</td>
<td>251</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4"><p>65 and Older</p>
<p>Speak English</p>
<p>Not Well/At All</p></td>
<td>252</td>
<td>259</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="12">Group Quarters: Institutionalized (3P40)</td>
</tr>
<tr class="even">
<td colspan="4">Correctional</td>
<td>260</td>
<td>267</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
</tbody>
</table>

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</colgroup>
<tbody>
<tr class="odd">
<td colspan="12"></td>
</tr>
<tr class="even">
<td colspan="5"><strong>System Title and Acronym:</strong></td>
<td colspan="7">HMDA Home Mortgage Disclosure Act</td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
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<td colspan="3"><strong>Bytes</strong></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="4"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td colspan="4"><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="even">
<td colspan="4">Nursing Homes</td>
<td>268</td>
<td>275</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Mental Hospitals</td>
<td>276</td>
<td>283</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">Juvenile</td>
<td>284</td>
<td>291</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Other</td>
<td>292</td>
<td>299</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="12">Group Quarters: Other (3P40)</td>
</tr>
<tr class="odd">
<td colspan="4">College</td>
<td>300</td>
<td>307</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">Military Quarters</td>
<td>308</td>
<td>315</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Homeless Shelters</td>
<td>316</td>
<td>323</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">Visible in Street</td>
<td>324</td>
<td>331</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Other</td>
<td>332</td>
<td>339</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="12">Employment: Gender in Labor Force/Armed Forces
(3P70)</td>
</tr>
<tr class="odd">
<td colspan="4">Males in Armed Forces</td>
<td>340</td>
<td>347</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">Employed Male Civilians</td>
<td>348</td>
<td>355</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Unemployed Male Civilians</td>
<td>356</td>
<td>363</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">Males Not in Labor Force</td>
<td>364</td>
<td>371</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Females in Armed Forces</td>
<td>372</td>
<td>379</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">Employed Female Civilians</td>
<td>380</td>
<td>387</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Unemployed Female Civilians</td>
<td>388</td>
<td>395</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">Females Not in Labor Force</td>
<td>396</td>
<td>403</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Unemployed Civilians</td>
<td>404</td>
<td>411</td>
<td>8</td>
<td>N</td>
<td colspan="4"><p>Zero-Filled. Sum of Unemployed</p>
<p>Male Civilians and Unemployed</p>
<p>Female Civilians. (3P70)</p></td>
</tr>
<tr class="even">
<td colspan="4">Employed Civilians</td>
<td>412</td>
<td>419</td>
<td>8</td>
<td>N</td>
<td colspan="4"><p>Zero-Filled. Sum of Employed Male</p>
<p>Civilians and Employed Female</p>
<p>Civilians.(3P70)</p></td>
</tr>
</tbody>
</table>

**\*AN** - - alphanumeric (character); **N** -- numeric (zoned decimal);
**B** -- binary February 21, 1997

  ---------------------------------------------- ------- ---- ------ ------
  **File Content** Division of IT                Page    5    of     17

  ---------------------------------------------- ------- ---- ------ ------

<table>
<colgroup>
<col style="width: 6%" />
<col style="width: 5%" />
<col style="width: 5%" />
<col style="width: 10%" />
<col style="width: 11%" />
<col style="width: 9%" />
<col style="width: 9%" />
<col style="width: 7%" />
<col style="width: 9%" />
<col style="width: 6%" />
<col style="width: 9%" />
<col style="width: 8%" />
</colgroup>
<tbody>
<tr class="odd">
<td colspan="12"></td>
</tr>
<tr class="even">
<td colspan="5"><strong>System Title and Acronym:</strong></td>
<td colspan="7">HMDA Home Mortgage Disclosure Act</td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="3"><strong>Bytes</strong></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="4"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td colspan="4"><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="even">
<td colspan="4">Civilians Not in Labor Force</td>
<td>420</td>
<td>427</td>
<td>8</td>
<td>N</td>
<td colspan="4"><p>Zero-Filled. Sum of Males Not in</p>
<p>Labor Force and Females Not in</p>
<p>Labor Force(3P70)</p></td>
</tr>
<tr class="odd">
<td colspan="12">Total Household Income (3P80)</td>
</tr>
<tr class="even">
<td colspan="4">Under $5,000</td>
<td>428</td>
<td>435</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$5,000 - $9,999</td>
<td>436</td>
<td>443</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$10,000 - $12,499</td>
<td>444</td>
<td>451</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$12,500 - $14,999</td>
<td>452</td>
<td>459</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$15,000 - $17,499</td>
<td>460</td>
<td>467</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$17,500 - $19,999</td>
<td>468</td>
<td>475</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$20,000 - $22,499</td>
<td>476</td>
<td>483</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$22,500 - $24,999</td>
<td>484</td>
<td>491</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$25,000 - $27,499</td>
<td>492</td>
<td>499</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$27,500 - $29,999</td>
<td>500</td>
<td>507</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$30,000 - $32,499</td>
<td>508</td>
<td>515</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$32,500 - $34,999</td>
<td>516</td>
<td>523</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$35,000 - $37,499</td>
<td>524</td>
<td>531</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$37,500 - $39,999</td>
<td>532</td>
<td>539</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$40,000 - $42,499</td>
<td>540</td>
<td>547</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$42,500 - $44,999</td>
<td>548</td>
<td>555</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$45,000 - $47,499</td>
<td>556</td>
<td>563</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$47,500 - $49,999</td>
<td>564</td>
<td>571</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$50,000 - $54,999</td>
<td>572</td>
<td>579</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$55,000 - $59,999</td>
<td>580</td>
<td>587</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$60,000 - $74,999</td>
<td>588</td>
<td>595</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$75,000 - $99,999</td>
<td>596</td>
<td>603</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
</tbody>
</table>

**\*AN** - - alphanumeric (character); **N** -- numeric (zoned decimal);
**B** -- binary February 21, 1997

  ---------------------------------------------- ------- ---- ------ ------
  **File Content** Division of IT                Page    6    of     17

  ---------------------------------------------- ------- ---- ------ ------

  ------------- --- --- ------- -------------- ------------ ------------ ------------ -------------- ---- ------ ------
                                                                                                                 

  **System                                     HMDA Home                                                         
  Title and                                    Mortgage                                                          
  Acronym:**                                   Disclosure                                                        
                                               Act                                                               

                                                                                                                 

                                **Bytes**                                                                        

  **Element                     **Starting**   **Ending**   **Length**   **Type\***   **Comments,                
  Label**                                                                             Values, Keys,              
                                                                                      Etc.**                     

  \$100,000 -                   604            611          8            N            Zero-filled.               
  \$124,999                                                                                                      

  \$125,000 -                   612            619          8            N            Zero-filled.               
  \$149,999                                                                                                      

  \$150,000 and                 620            627          8            N            Zero-filled.               
  over                                                                                                           

  Tract/BNA                     628            635          8            N            Zero-filled.               
  Median                                                                              (3P80A)                    
  Household                                                                                                      
  Decennial                                                                                                      
  Income                                                                                                         

  Race of                                                                                                        
  Householder                                                                                                    
  by Household                                                                                                   
  Income: White                                                                                                  
  (3P82)                                                                                                         

  Under \$5,000                 636            643          8            N            Zero-filled.               

  \$5,000                       644            651          8            N            Zero-filled.               
  -\$9,999                                                                                                       

  \$10,000 -                    652            659          8            N            Zero-filled.               
  \$14,999                                                                                                       

  \$15,000 -                    660            667          8            N            Zero-filled.               
  \$24,999                                                                                                       

  \$25,000 -                    668            675          8            N            Zero-filled.               
  \$34,999                                                                                                       

  \$35,000 -                    676            683          8            N            Zero-filled.               
  \$49,999                                                                                                       

  \$50,000 -                    684            691          8            N            Zero-filled.               
  \$74,999                                                                                                       

  \$75,000 -                    692            699          8            N            Zero-filled.               
  \$99,999                                                                                                       

  \$100,000 and                 700            707          8            N            Zero-filled.               
  over                                                                                                           

  Race of                                                                                                        
  Householder                                                                                                    
  by Household                                                                                                   
  Income: Black                                                                                                  
  (3P82)                                                                                                         

  Under \$5,000                 708            715          8            N            Zero-filled.               

  \$5,000 -                     716            723          8            N            Zero-filled.               
  \$9,999                                                                                                        

  \$10,000 -                    724            731          8            N            Zero-filled.               
  \$14,999                                                                                                       

  \$15,000 -                    732            739          8            N            Zero-filled.               
  \$24,999                                                                                                       

  \$25,000 -                    740            747          8            N            Zero-filled.               
  \$34,999                                                                                                       

  \$35,000 -                    748            755          8            N            Zero-filled.               
  \$49,999                                                                                                       

  \$50,000 -                    756            763          8            N            Zero-filled.               
  \$74,999                                                                                                       

  \$75,000 -                    764            771          8            N            Zero-filled.               
  \$99,999                                                                                                       

  \$100,000 and                 772            779          8            N            Zero-filled.               
  over                                                                                                           

  Race of                                                                                                        
  Householder                                                                                                    
  by Household                                                                                                   
  Income:                                                                                                        
  American                                                                                                       
  Indian (3P82)                                                                                                  
  ------------- --- --- ------- -------------- ------------ ------------ ------------ -------------- ---- ------ ------

**\*AN** - - alphanumeric (character); **N** -- numeric (zoned decimal);
**B** -- binary February 21, 1997

  ---------------------------------------------- ------- ---- ------ ------
  **File Content** Division of IT                Page    7    of     17

  ---------------------------------------------- ------- ---- ------ ------

  ------------- --- --- ------- -------------- ------------ ------------ ------------ -------------- ---- ------ ------
                                                                                                                 

  **System                                     HMDA Home                                                         
  Title and                                    Mortgage                                                          
  Acronym:**                                   Disclosure                                                        
                                               Act                                                               

                                                                                                                 

                                **Bytes**                                                                        

  **Element                     **Starting**   **Ending**   **Length**   **Type\***   **Comments,                
  Label**                                                                             Values, Keys,              
                                                                                      Etc.**                     

  Under \$5,000                 780            787          8            N            Zero-filled.               

  \$5,000 -                     788            795          8            N            Zero-filled.               
  \$9,999                                                                                                        

  \$10,000 -                    796            803          8            N            Zero-filled.               
  \$14,999                                                                                                       

  \$15,000 -                    804            811          8            N            Zero-filled.               
  \$24,999                                                                                                       

  \$25,000 -                    812            819          8            N            Zero-filled.               
  \$34,999                                                                                                       

  \$35,000 -                    820            827          8            N            Zero-filled.               
  \$49,999                                                                                                       

  \$50,000 -                    828            835          8            N            Zero-filled.               
  \$74,999                                                                                                       

  \$75,000 -                    836            843          8            N            Zero-filled.               
  \$99,999                                                                                                       

  \$100,000 and                 844            851          8            N            Zero-filled.               
  over                                                                                                           

  Race of                                                                                                        
  Householder                                                                                                    
  by Household                                                                                                   
  Income: Asian                                                                                                  
  and Pacific                                                                                                    
  (3P82)                                                                                                         

  Under \$5,000                 852            859          8            N            Zero-filled.               

  \$5,000 -                     860            867          8            N            Zero-filled.               
  \$9,999                                                                                                        

  \$10,000 -                    868            875          8            N            Zero-filled.               
  \$14,999                                                                                                       

  \$15,000 -                    876            883          8            N            Zero-filled.               
  \$24,999                                                                                                       

  \$25,000 -                    884            891          8            N            Zero-filled.               
  \$34,999                                                                                                       

  \$35,000 -                    892            899          8            N            Zero-filled.               
  \$49,999                                                                                                       

  \$50,000 -                    900            907          8            N            Zero-filled.               
  \$74,999                                                                                                       

  \$75,000 -                    908            915          8            N            Zero-filled.               
  \$99,999                                                                                                       

  \$100,000 and                 916            923          8            N            Zero-filled.               
  over                                                                                                           

  Race of                                                                                                        
  Householder                                                                                                    
  by Household                                                                                                   
  Income:                                                                                                        
  Others (3P82)                                                                                                  

  Under \$5,000                 924            931          8            N            Zero-filled.               

  \$5,000 -                     932            939          8            N            Zero-filled.               
  \$9,999                                                                                                        

  \$10,000 -                    940            947          8            N            Zero-filled.               
  \$14,999                                                                                                       
  ------------- --- --- ------- -------------- ------------ ------------ ------------ -------------- ---- ------ ------

**\*AN** - - alphanumeric (character); **N** -- numeric (zoned decimal);
**B** -- binary February 21, 1997

  ---------------------------------------------- ------- ---- ------ ------
  **File Content** Division of IT                Page    8    of     17

  ---------------------------------------------- ------- ---- ------ ------

<table>
<colgroup>
<col style="width: 6%" />
<col style="width: 5%" />
<col style="width: 5%" />
<col style="width: 10%" />
<col style="width: 11%" />
<col style="width: 9%" />
<col style="width: 9%" />
<col style="width: 7%" />
<col style="width: 9%" />
<col style="width: 6%" />
<col style="width: 9%" />
<col style="width: 8%" />
</colgroup>
<tbody>
<tr class="odd">
<td colspan="12"></td>
</tr>
<tr class="even">
<td colspan="5"><strong>System Title and Acronym:</strong></td>
<td colspan="7">HMDA Home Mortgage Disclosure Act</td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="3"><strong>Bytes</strong></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="4"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td colspan="4"><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="even">
<td colspan="4">$15,000 - $24,999</td>
<td>948</td>
<td>955</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$25,000 - $34,999</td>
<td>956</td>
<td>963</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$35,000 - $49,999</td>
<td>964</td>
<td>971</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$50,000 - $74,999</td>
<td>972</td>
<td>979</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$75,000 - $99,999</td>
<td>980</td>
<td>987</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$100,000 and over</td>
<td>988</td>
<td>995</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">Average Household Decennial Income</td>
<td>996</td>
<td>1003</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.(3P84)</td>
</tr>
<tr class="odd">
<td colspan="12">Number of Households by Income Type</td>
</tr>
<tr class="even">
<td colspan="4">Wage or Salary</td>
<td>1004</td>
<td>1011</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.(3P90)</td>
</tr>
<tr class="odd">
<td colspan="4">Nonfarm Self-Employment</td>
<td>1012</td>
<td>1019</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.(3P91)</td>
</tr>
<tr class="even">
<td colspan="4">Farm Self-Employment</td>
<td>1020</td>
<td>1027</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.(3P92)</td>
</tr>
<tr class="odd">
<td colspan="4">Interest, Dividend, or Net Rental</td>
<td>1028</td>
<td>1035</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.(3P93)</td>
</tr>
<tr class="even">
<td colspan="4">Social Security Income</td>
<td>1036</td>
<td>1043</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.(3P94)</td>
</tr>
<tr class="odd">
<td colspan="4">Public Assistance Income</td>
<td>1044</td>
<td>1051</td>
<td>8</td>
<td>N</td>
<td colspan="4"><p>Zero-filled. Households with public</p>
<p>assistance.(3P95)</p></td>
</tr>
<tr class="even">
<td colspan="4">Retirement Income</td>
<td>1052</td>
<td>1059</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.(3P96)</td>
</tr>
<tr class="odd">
<td colspan="4">Other Type of Income</td>
<td>1060</td>
<td>1067</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled (3P97)</td>
</tr>
<tr class="even">
<td colspan="12">Family Income (3P107)</td>
</tr>
<tr class="odd">
<td colspan="4">Under $5,000</td>
<td>1068</td>
<td>1075</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$5,000 - $9,999</td>
<td>1076</td>
<td>1083</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$10,000 - $12,499</td>
<td>1084</td>
<td>1091</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$12,500 - $14,999</td>
<td>1092</td>
<td>1099</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$15,000 - $17,499</td>
<td>1100</td>
<td>1107</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$17,500 - $19,999</td>
<td>1108</td>
<td>1115</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
</tbody>
</table>

**\*AN** - - alphanumeric (character); **N** -- numeric (zoned decimal);
**B** -- binary February 21, 1997

  ---------------------------------------------- ------- ---- ------ ------
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  ---------------------------------------------- ------- ---- ------ ------

  ------------------- --- --- ------- -------------- ------------ ------------ ------------ -------------- ---- ------ ------
                                                                                                                       

  **System Title and                                 HMDA Home                                                         
  Acronym:**                                         Mortgage                                                          
                                                     Disclosure                                                        
                                                     Act                                                               

                                                                                                                       

                                      **Bytes**                                                                        

  **Element Label**                   **Starting**   **Ending**   **Length**   **Type\***   **Comments,                
                                                                                            Values, Keys,              
                                                                                            Etc.**                     

  \$20,000 - \$22,499                 1116           1123         8            N            Zero-filled.               

  \$22,500 - \$24,999                 1124           1131         8            N            Zero-filled.               

  \$25,000 - \$27,499                 1132           1139         8            N            Zero-filled.               

  \$27,500 - \$29,999                 1140           1147         8            N            Zero-filled.               

  \$30,000 - \$32,499                 1148           1155         8            N            Zero-filled.               

  \$32,500 - \$34,999                 1156           163          8            N            Zero-filled.               

  \$35,000 - \$37,499                 1164           1171         8            N            Zero-filled.               

  \$37,500 - \$39,999                 1172           1179         8            N            Zero-filled.               

  \$40,000 - \$42,499                 1180           1187         8            N            Zero-filled.               

  \$42,500 - \$44,999                 1188           1195         8            N            Zero-filled.               

  \$45,000 - \$47,499                 1196           1203         8            N            Zero-filled.               

  \$47,500 - \$49,999                 1204           1211         8            N            Zero-filled                

  \$50,000 - \$54,999                 1212           1219         8            N            Zero-filled.               

  \$55,000 - \$59,999                 1220           1227         8            N            Zero-filled.               

  \$60,000 - \$74,999                 1228           1235         8            N            Zero-filled.               

  \$75,000 - \$99,999                 1236           1243         8            N            Zero-filled.               

  \$100,000 -                         1244           1251         8            N            Zero-filled.               
  \$124,999                                                                                                            

  \$125,000 -                         1252           1259         8            N            Zero-filled.               
  \$149,999                                                                                                            

  \$150,000 and over                  1260           1267         8            N            Zero-filled.               

  Family Counts by                                                                                                     
  Family Income                                                                                                        
  (3P107)                                                                                                              

  \< \$15,000                         1268           1275         8            N            Zero-filled.               

  \$15,000-\$24,999                   1276           1283         8            N            Zero-filled.               

  \$25,000-\$29,999                   1284           1291         8            N            Zero-filled.               
  ------------------- --- --- ------- -------------- ------------ ------------ ------------ -------------- ---- ------ ------

**\*AN** - - alphanumeric (character); **N** -- numeric (zoned decimal);
**B** -- binary February 21, 1997

  ---------------------------------------------- ------- ---- ------ ------
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  ------------------- --- --- ------- -------------- ------------ ------------ ------------ ---------------------- ---- ------ ------
                                                                                                                               

  **System Title and                                 HMDA Home                                                                 
  Acronym:**                                         Mortgage                                                                  
                                                     Disclosure                                                                
                                                     Act                                                                       

                                                                                                                               

                                      **Bytes**                                                                                

  **Element Label**                   **Starting**   **Ending**   **Length**   **Type\***   **Comments, Values,                
                                                                                            Keys, Etc.**                       

  \$30,000-\$34,999                   1292           1299         8            N            Zero-filled.                       

  \$35,000-\$39,999                   1300           1307         8            N            Zero-filled.                       

  \$40,000-\$49,999                   1308           1315         8            N            Zero-filled.                       

  \$50,000-\$74,999                   1316           1323         8            N            Zero-filled.                       

  \$75,000+                           1324           1331         8            N            Zero-filled.                       

  Family Count                        1332           1339         8            N            Zero-filled.(3P107)                

  Decennial MSA                       1340           1347         8            N            Zero-filled.(3P107)                
  Median Income                                                                                                                

  Decennial Tract/BNA                 1348           1355         8            N            Zero-Filled.(3P107A)               
  Median Family                                                                                                                
  Income                                                                                                                       

  Average Family                                                                                                               
  Income (not                                                                                                                  
  available by race                                                                                                            
  with 1990                                                                                                                    
  demographics; set                                                                                                            
  to zero)(3P109)                                                                                                              

  All Families                        1356           1363         8            N            Zero-Filled.                       

  White Families                      1364           1371         8            N            Zero-Filled.                       

  Black Families                      1372           1379         8            N            Zero-Filled.                       

  Hispanic Families                   1380           1387         8            N            Zero-Filled.                       

  Median Family                                                                             See positions                      
  Incomes (not                                                                              1348-1355 for median               
  available with 1990                                                                       family income for all              
  demographics; set                                                                         families                           
  to zero)(3P109)                                                                                                              

  White Families                      1388           1395         8            N            Zero-Filled.                       

  Black Families                      1396           1403         8            N            Zero-Filled.                       

  Hispanic Families                   1404           1411         8            N            Zero-Filled.                       

  Median Non-Family                   1412           1419         8            N            Zero-filled.(3P110A)               
  Decennial Income                                                                                                             

  Poverty Level                       1420           1425         6(2d)        N            Zero-filled, 2 decimal             
  Percentage                                                                                point.(3P117)                      

  Income Below the                                                                                                             
  Poverty Level:                                                                                                               
  15-64 Years (3P127)                                                                                                          

  Married Couple                      1426           1433         8            N            Zero-filled.                       

  Other Male                          1434           1441         8            N            Zero-filled.                       
  ------------------- --- --- ------- -------------- ------------ ------------ ------------ ---------------------- ---- ------ ------

**\*AN** - - alphanumeric (character); **N** -- numeric (zoned decimal);
**B** -- binary February 21, 1997

  ---------------------------------------------- ------- ---- ------ ------
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<table>
<colgroup>
<col style="width: 6%" />
<col style="width: 5%" />
<col style="width: 5%" />
<col style="width: 10%" />
<col style="width: 11%" />
<col style="width: 9%" />
<col style="width: 9%" />
<col style="width: 7%" />
<col style="width: 9%" />
<col style="width: 6%" />
<col style="width: 9%" />
<col style="width: 8%" />
</colgroup>
<tbody>
<tr class="odd">
<td colspan="12"></td>
</tr>
<tr class="even">
<td colspan="5"><strong>System Title and Acronym:</strong></td>
<td colspan="7">HMDA Home Mortgage Disclosure Act</td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="3"><strong>Bytes</strong></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="4"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td colspan="4"><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="even">
<td colspan="4">Other Female</td>
<td>1442</td>
<td>1449</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Non-Family</td>
<td>1450</td>
<td>1457</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="12">Income Below the Poverty Level: 65 Years and Older
(3P127)</td>
</tr>
<tr class="odd">
<td colspan="4">Married Couple</td>
<td>1458</td>
<td>1465</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">Other Male</td>
<td>1466</td>
<td>1473</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Other Female</td>
<td>1474</td>
<td>1481</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">Non-Family</td>
<td>1482</td>
<td>1489</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Housing Units Boarded-up Percentage</td>
<td>1490</td>
<td>1495</td>
<td>6(2)</td>
<td>N</td>
<td colspan="4">Zero-filled,2decimal point.(1H6)</td>
</tr>
<tr class="even">
<td colspan="4">Total Housing Units</td>
<td>1496</td>
<td>1503</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.(3H1)</td>
</tr>
<tr class="odd">
<td colspan="12">Occupancy Status (3H4)</td>
</tr>
<tr class="even">
<td colspan="4">Occupied</td>
<td>1504</td>
<td>1511</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Vacant</td>
<td>1512</td>
<td>1519</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">Vacant Condominium Housing Units</td>
<td>1520</td>
<td>1527</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-fille.(3H6)</td>
</tr>
<tr class="odd">
<td colspan="4">Owner-occupied Condominium Housing Units</td>
<td>1528</td>
<td>1535</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.(3H7)</td>
</tr>
<tr class="even">
<td colspan="4">Renter-occupied Condominium Housing Units</td>
<td>1536</td>
<td>1543</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.(3H7)</td>
</tr>
<tr class="odd">
<td colspan="12">Tenure (3H8)</td>
</tr>
<tr class="even">
<td colspan="4">Owner Occupancy</td>
<td>1544</td>
<td>1551</td>
<td>8</td>
<td>N</td>
<td colspan="4"><p>Zero-filled. Labeled Owner-occupied</p>
<p>housing units on previous years</p>
<p>HMDA census tapes.</p></td>
</tr>
<tr class="odd">
<td colspan="4">Renter</td>
<td>1552</td>
<td>1559</td>
<td>8</td>
<td>N</td>
<td colspan="4"><p>Zero-filled. Labeled Renter-occupied</p>
<p>housing units on previous years</p>
<p>HMDA census tapes.(3H8)</p></td>
</tr>
<tr class="even">
<td colspan="12">Housing Units (3H20)</td>
</tr>
<tr class="odd">
<td colspan="4">1 Unit Detached</td>
<td>1560</td>
<td>1567</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">1 Unit Attached</td>
<td>1568</td>
<td>1575</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
</tbody>
</table>

**\*AN** - - alphanumeric (character); **N** -- numeric (zoned decimal);
**B** -- binary February 21, 1997

  ---------------------------------------------- ------- ---- ------ ------
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  ---------------------------------------------- ------- ---- ------ ------

  ---------------- --- --- ------- -------------- ------------ ------------ ------------ -------------- ---- ------ ------
                                                                                                                    

  **System Title                                  HMDA Home                                                         
  and Acronym:**                                  Mortgage                                                          
                                                  Disclosure                                                        
                                                  Act                                                               

                                                                                                                    

                                   **Bytes**                                                                        

  **Element                        **Starting**   **Ending**   **Length**   **Type\***   **Comments,                
  Label**                                                                                Values, Keys,              
                                                                                         Etc.**                     

  2 Units                          1576           1583         8            N            Zero-filled.               

  3&4 Units                        1584           1591         8            N            Zero-filled.               

  Mobile Homes +                   1592           1599         8            N            Zero-filled.               
  Other                                                                                                             

  1-4 Units                        1600           1607         8            N            Zero-filled.               

  5-9 Units                        1608           1615         8            N            Zero-filled.               

  10-19 Units                      1616           1623         8            N            Zero-filled.               

  20-49 Units                      1624           1631         8            N            Zero-filled.               

  50 or more                       1632           1639         8            N            Zero-filled.               

  Mobile                           1640           1647         8            N            Zero-filled.               
  Home/Trailer                                                                                                      

  Other                            1648           1655         8            N            Zero-filled.               

  5 + Units                        1656           1663         8            N            Zero-filled.               

  Vacant                                                                                                            
  Year-round                                                                                                        
  Housing Units                                                                                                     
  (3H21)                                                                                                            

  1 Unit Detached                  1664           1671         8            N            Zero-filled.               

  1 Unit Attached                  1672           1679         8            N            Zero-filled.               

  2 Units                          1680           1687         8            N            Zero-filled.               

  3&4 Units                        1688           1695         8            N            Zero-filled.               

  Mobile Homes +                   1696           1703         8            N            Zero-filled.               
  Other                                                                                                             

  1-4 Units                        1704           1711         8            N            Zero-filled.               

  5 + Units                        1712           1719         8            N            Zero-filled.               

  Owner-occupied                                                                         See positions              
  Housing Units                                                                          1544-1551 for              
  (3H22)                                                                                 total.                     

  1 Unit Detached                  1720           1727         8            N            Zero-filled.               

  1 Unit Attached                  1728           1735         8            N            Zero-filled.               

  2 Units                          1736           1743         8            N            Zero-filled.               
  ---------------- --- --- ------- -------------- ------------ ------------ ------------ -------------- ---- ------ ------

**\*AN** - - alphanumeric (character); **N** -- numeric (zoned decimal);
**B** -- binary February 21, 1997

  ---------------------------------------------- ------- ---- ------ ------
  **File Content** Division of IT                Page    13   of     17

  ---------------------------------------------- ------- ---- ------ ------

<table>
<colgroup>
<col style="width: 6%" />
<col style="width: 5%" />
<col style="width: 5%" />
<col style="width: 10%" />
<col style="width: 11%" />
<col style="width: 9%" />
<col style="width: 9%" />
<col style="width: 7%" />
<col style="width: 9%" />
<col style="width: 6%" />
<col style="width: 9%" />
<col style="width: 8%" />
</colgroup>
<tbody>
<tr class="odd">
<td colspan="12"></td>
</tr>
<tr class="even">
<td colspan="5"><strong>System Title and Acronym:</strong></td>
<td colspan="7">HMDA Home Mortgage Disclosure Act</td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="3"><strong>Bytes</strong></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="4"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td colspan="4"><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="even">
<td colspan="4">3&amp;4 Units</td>
<td>1744</td>
<td>1751</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Mobile Homes + Other</td>
<td>1752</td>
<td>1759</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">1-4 Units</td>
<td>1760</td>
<td>1767</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">5+ Units</td>
<td>1768</td>
<td>1775</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled</td>
</tr>
<tr class="even">
<td colspan="12">Renter-occupied Housing Units (3H22)</td>
</tr>
<tr class="odd">
<td colspan="4">1 Unit Detached</td>
<td>1776</td>
<td>1783</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">1 Unit Attached</td>
<td>1784</td>
<td>1791</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">2 Units</td>
<td>1792</td>
<td>1799</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">3&amp;4 Units</td>
<td>1800</td>
<td>1807</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Mobile Homes + Other</td>
<td>1808</td>
<td>1815</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">1-4 Units</td>
<td>1816</td>
<td>1823</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">5 + Units</td>
<td>1824</td>
<td>1831</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="8">Housing Units, by Year Structure Built (3H25)</td>
<td colspan="4">See positions 1496-1503 for total housing units.</td>
</tr>
<tr class="odd">
<td colspan="4">1989 – March 1990</td>
<td>1832</td>
<td>1839</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">1985 – 1988</td>
<td>1840</td>
<td>1847</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">1980 – 1984</td>
<td>1848</td>
<td>1855</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">1970 – 1979</td>
<td>1856</td>
<td>1863</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">1960 – 1969</td>
<td>1864</td>
<td>1871</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">1950 – 1959</td>
<td>1872</td>
<td>1879</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">1940 – 1949</td>
<td>1880</td>
<td>1887</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">1939 or earlier</td>
<td>1888</td>
<td>1895</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">1949 or earlier</td>
<td>1896</td>
<td>1903</td>
<td>8</td>
<td>N</td>
<td colspan="4"><p>Zero-filled. Summation of 1940-1949</p>
<p>and 1930 or earlier data elements.</p></td>
</tr>
</tbody>
</table>

**\*AN** - - alphanumeric (character); **N** -- numeric (zoned decimal);
**B** -- binary February 21, 1997

  ---------------------------------------------- ------- ---- ------ ------
  **File Content** Division of IT                Page    14   of     17

  ---------------------------------------------- ------- ---- ------ ------

  ------------- --- --- ------- -------------- ------------ ------------ ------------ -------------------- ---- ------ ------
                                                                                                                       

  **System                                     HMDA Home                                                               
  Title and                                    Mortgage                                                                
  Acronym:**                                   Disclosure                                                              
                                               Act                                                                     

                                                                                                                       

                                **Bytes**                                                                              

  **Element                     **Starting**   **Ending**   **Length**   **Type\***   **Comments, Values,              
  Label**                                                                             Keys, Etc.**                     

  Median Age                    1904           1911         8            N            Zero-filled.                     

  Housing                       1912           1919         8            N            Zero-filled.(3H25)               
  Units, All                                                                                                           
  Structure                                                                                                            
  Ages                                                                                                                 

  Occupied                                                                                                             
  Housing Units                                                                                                        
  by Year                                                                                                              
  Householder                                                                                                          
  Moved In                                                                                                             
  (3H28)                                                                                                               

  1989 -- March                 1920           1927         8            N            Zero-filled.                     
  1990                                                                                                                 

  1985 -- 1988                  1928           1935         8            N            Zero-filled.                     

  1980 -- 1984                  1936           1943         8            N            Zero-filled.                     

  Total, All                    1944           1951         8            N            Zero-filled.                     
  Years                                                                                                                

  Gross Rent                                                                                                           
  (3H43)                                                                                                               

  Less than                     1952           1959         8            N            Zero-filled.                     
  \$100                                                                                                                

  \$100 - \$149                 1960           1967         8            N            Zero-filled.                     

  \$150 - \$199                 1968           1975         8            N            Zero-filled.                     

  \$200 - \$249                 1976           1983         8            N            Zero-filled.                     

  \$250 - \$299                 1984           1991         8            N            Zero-filled.                     

  \$300 - \$349                 1992           1999         8            N            Zero-filled.                     

  \$350 - \$399                 2000           2007         8            N            Zero-filled.                     

  \$400 - \$449                 2008           2015         8            N            Zero-filled.                     

  \$450 - \$499                 2016           2023         8            N            Zero-filled.                     

  \$500 - \$549                 2024           2031         8            N            Zero-filled.                     

  \$550 - \$599                 2032           2039         8            N            Zero-filled.                     

  \$600 - \$649                 2040           2047         8            N            Zero-filled.                     

  \$650 - \$699                 2048           2055         8            N            Zero-filled.                     

  \$700 - \$749                 2056           2063         8            N            Zero-filled.                     

  \$750 - \$999                 2064           2071         8            N            Zero-filled.                     

  \$1000 or                     2072           2079         8            N            Zero-filled.                     
  more                                                                                                                 
  ------------- --- --- ------- -------------- ------------ ------------ ------------ -------------------- ---- ------ ------

**\*AN** - - alphanumeric (character); **N** -- numeric (zoned decimal);
**B** -- binary February 21, 1997

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  **File Content** Division of IT                Page    15   of     17

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<table>
<colgroup>
<col style="width: 2%" />
<col style="width: 5%" />
<col style="width: 5%" />
<col style="width: 10%" />
<col style="width: 12%" />
<col style="width: 10%" />
<col style="width: 10%" />
<col style="width: 7%" />
<col style="width: 10%" />
<col style="width: 7%" />
<col style="width: 9%" />
<col style="width: 9%" />
</colgroup>
<tbody>
<tr class="odd">
<td colspan="12"></td>
</tr>
<tr class="even">
<td colspan="5"><strong>System Title and Acronym:</strong></td>
<td colspan="7">HMDA Home Mortgage Disclosure Act</td>
</tr>
<tr class="odd">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td colspan="3"><strong>Bytes</strong></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="4"><strong>Element Label</strong></td>
<td><strong>Starting</strong></td>
<td><strong>Ending</strong></td>
<td><strong>Length</strong></td>
<td><strong>Type*</strong></td>
<td colspan="4"><strong>Comments, Values, Keys, Etc.</strong></td>
</tr>
<tr class="even">
<td colspan="4">No Cash Rent</td>
<td>2080</td>
<td>2087</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Median Gross Rent, count</td>
<td>2088</td>
<td>2095</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.(3H43)</td>
</tr>
<tr class="even">
<td colspan="4">Median Gross Rent</td>
<td>2096</td>
<td>2103</td>
<td>8</td>
<td>N</td>
<td colspan="4"><p>Zero-filled. Labeled Median Contract</p>
<p>Rent for Renter-occupied Housing</p>
<p>Units on previous HMDA census</p>
<p>Tapes. (3H43A)</p></td>
</tr>
<tr class="odd">
<td colspan="12">Number of Households with Gross Rent <u>&gt;</u> 30% of
Household income by annual Household Income (3H50)</td>
</tr>
<tr class="even">
<td colspan="4">Less than $10,000</td>
<td>2104</td>
<td>2111</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$10,000 - $19,999</td>
<td>2112</td>
<td>2119</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$20,000 - $34,999</td>
<td>2120</td>
<td>2127</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$35,000 - $49,999</td>
<td>2128</td>
<td>2135</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$50,000 or over</td>
<td>2136</td>
<td>2143</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="12">Number of Households with Selected Monthly Owner Costs
by Mortgage Status (3H58)</td>
</tr>
<tr class="even">
<td colspan="4">With a Mortgage: &gt;= 30%</td>
<td>2144</td>
<td>2151</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">With a Mortgage: Total</td>
<td>2152</td>
<td>2159</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">Not Mortgaged: &gt;=30%</td>
<td>2160</td>
<td>2167</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">Not Mortgaged: Total</td>
<td>2168</td>
<td>2175</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="12">Median Selected Monthly Owner Costs as a Percentage of
Household Income and Mortgage Status</td>
</tr>
<tr class="odd">
<td colspan="4">With a Mortgage</td>
<td>2176</td>
<td>2183</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">Not Mortgaged</td>
<td>2184</td>
<td>2191</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="12">Owner-occupied Housing Units by Value (3H61)</td>
</tr>
<tr class="even">
<td colspan="4">&lt; $20,000</td>
<td>2192</td>
<td>2199</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$20,000-$39,999</td>
<td>2200</td>
<td>2207</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="even">
<td colspan="4">$40,000-$49,999</td>
<td>2208</td>
<td>2215</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
<tr class="odd">
<td colspan="4">$50,000-$74,999</td>
<td>2216</td>
<td>2223</td>
<td>8</td>
<td>N</td>
<td colspan="4">Zero-filled.</td>
</tr>
</tbody>
</table>

**\*AN** - - alphanumeric (character); **N** -- numeric (zoned decimal);
**B** -- binary February 21, 1997

  ---------------------------------------------- ------- ---- ------ ------
  **File Content** Division of IT                Page    16   of     17

  ---------------------------------------------- ------- ---- ------ ------

  --------------------- --- --- ------- -------------- ------------ ------------ ------------ --------------------- ---- ------ ------
                                                                                                                                

  **System Title and                                   HMDA Home                                                                
  Acronym:**                                           Mortgage                                                                 
                                                       Disclosure                                                               
                                                       Act                                                                      

                                                                                                                                

                                        **Bytes**                                                                               

  **Element Label**                     **Starting**   **Ending**   **Length**   **Type\***   **Comments, Values,               
                                                                                              Keys, Etc.**                      

  \$75,000-\$99,999                     2224           2231         8            N            Zero-filled.                      

  \$100,000-\$149,999                   2232           2239         8            N            Zero-filled.                      

  \$150,000-\$199,999                   2240           2247         8            N            Zero-filled.                      

  \$200,000+                            2248           2255         8            N            Zero-filled.                      

  Total Count                           2256           2263         8            N            Zero-filled.                      

  Median Value                          2264           2271         8            N            Zero-filled.(3H61A)               

  Owner Occupied                                                                                                                
  Housing Units by                                                                                                              
  Value (3H61)                                                                                                                  

  Less than \$15,000                    2272           2279         8            N            Zero-filled.                      

  \$15,000 - \$19,999                   2280           2287         8            N            Zero-filled.                      

  \$20,000 - \$24,999                   2288           2295         8            N            Zero-filled.                      

  \$25,000 - \$29,999                   2296           2303         8            N            Zero-filled.                      

  \$30,000 - \$34,999                   2304           2311         8            N            Zero-filled.                      

  \$35,000 - \$39,999                   2312           2319         8            N            Zero-filled.                      

  \$40,000 - \$44,999                   2320           2327         8            N            Zero-filled.                      

  \$45,000 - \$49,999                   2328           2335         8            N            Zero-filled.                      

  \$50,000 - \$59,999                   2336           2343         8            N            Zero-filled.                      

  \$60,000 - \$74,999                   2344           2351         8            N            Zero-filled.                      

  \$75,000-\$99,999                     2352           2359         8            N            Zero-filled.                      

  \$100,000 - \$124,999                 2360           2367         8            N            Zero-filled.                      

  \$125,000 - \$149,999                 2368           2375         8            N            Zero-filled.                      

  \$150,000 - \$174,999                 2376           383          8            N            Zero-filled.                      

  \$175,000 - \$199,999                 2384           2391         8            N            Zero-filled.                      

  \$200,000 - \$249,999                 2392           2399         8            N            Zero-filled.                      

  \$250,000 - \$299,999                 2400           2407         8            N            Zero-filled.                      

  \$300,000 - \$399,999                 2408           2415         8            N            Zero-filled.                      
  --------------------- --- --- ------- -------------- ------------ ------------ ------------ --------------------- ---- ------ ------

**\*AN** - - alphanumeric (character); **N** -- numeric (zoned decimal);
**B** -- binary February 21, 1997

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  **File Content** Division of IT                Page    17   of     17

  ---------------------------------------------- ------- ---- ------ ------

  ------------- ---- --- ------- -------------- ------------ ------------ ------------ -------------- ----- ------ ------
                                                                                                                   

  **System                                      HMDA Home                                                          
  Title and                                     Mortgage                                                           
  Acronym:**                                    Disclosure                                                         
                                                Act                                                                

                                                                                                                   

                                 **Bytes**                                                                         

  **Element                      **Starting**   **Ending**   **Length**   **Type\***   **Comments,                 
  Label**                                                                              Values, Keys,               
                                                                                       Etc.**                      

  \$400,000 -                    2416           2423         8            N            Zero-filled.                
  \$499,999                                                                                                        

  \$500,000 or                   2424           2431         8            N            Zero-filled.                
  more                                                                                                             

  Physical                                                                                                         
  condition of                                                                                                     
  Housing                                                                                                          
  (Lacking                                                                                                         
  Plumbing                                                                                                         
  Facilities)                                                                                                      
  (3H70)                                                                                                           

  Owner                          2432           2439         8            N            Zero-filled.                
  Occupied                                                                                                         

  Renter                         2440           2447         8            N            Zero-filled.                
  Occupied                                                                                                         

  Total Units                    2448           2455         8            N            Zero-filled.                

  Income                         2456           2456         1            N[^1]        Identifies                  
  Indicator                                                                            low, moderate,              
                                                                                       middle, and                 
                                                                                       upper income                
                                                                                       area.                       
  ------------- ---- --- ------- -------------- ------------ ------------ ------------ -------------- ----- ------ ------

[^1]:
    > For HMDA purposes, income indicators 1 and 2 are combined to form
    > the low or moderate category (\<80% of the Median Family Income).
    >
    > 0 - if tract-BNA income = 0
    >
    > 1 - if tract-BNA income \< 50% of Median Family Income (MFI)
    >
    > 2 - if tract-BNA income [\>]{.underline} 50% and \< 80% of MFI
    >
    > 3 - if tract-BNA income [\>]{.underline} 80% and \< 120% of MFI
    >
    > 4 - if tract-BNA income [\>]{.underline} 120%

    **\*AN** - - alphanumeric (character); **N** -- numeric (zoned
    decimal); **B** -- binary February 21, 1997