OMB Statistical Definitions: Their Impact on CRA and HMDA Reporting

Table 1: 2003 and 2004 Geographic Definitions
2003 Geographic Definitions	Median Family Income
Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD, Consolidated Metropolitan Statistical Area	$57,868
Atlantic-Cape May, NJ, PMSA Atlantic County, NJ Cape May County, NJ	$51,622
Philadelphia, PA-NJ, PMSA Bucks County, PA Chester County, PA Delaware County, PA Montgomery County, PA Philadelphia County, PA	$58,395
Census Tract 45	$46,524
Burlington County, NJ Camden County, NJ Gloucester County, NJ Salem County, NJ
Vineland-Millville-Bridgeton, NJ, PMSA Cumberland County, NJ	$45,403
Wilmington-Newark, DE-MD, PMSA New Castle County, DE Cecil County, MD	$61,246
2004 Geographic Definitions	Median Family Income
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA	$58,739
Philadelphia, PA, Metropolitan Division Bucks County, PA Chester County, PA Delaware County, PA Montgomery County, PA Philadelphia County, PA	$56,993
Census Tract 45	$46,524
Camden, NJ, Metropolitan Division Burlington County, NJ Camden County, NJ Gloucester County, NJ	$62,032
Wilmington, DE-MD-NJ, Metropolitan Division New Castle County, DE Cecil County, MD Salem County, NJ	$60,622

Sources: Median family income for 2003 geographies was obtained from Census 2000; median family income for metropolitan divisions was obtained
from the 2004 Preliminary Federal Financial Institutions Examination Council (FFIEC) Census File; geographic definitions were taken from OMB
Bulletin No. 03-4 and Census 2000.

Table 2: Census Tract Reclassification 2003 to 2004 - PA, NJ, and DE
Higher-Income Categories
Low to Moderate	32	0.6%
Moderate to Middle	86	1.6%
Middle to Upper	167	3.2%
Total Increased	285	5.4%
Total Unchanged	4838	91.6%
Total Tracts	5283	100%
Lower-Income Categories
Moderate to Low	7	0.1%
Middle to Moderate	70	1.3%
Upper to Middle	83	1.6%
Total Decreased	160	3.0%
Total Unchanged	4838	91.6%
Total Tracts	5283	100%

Source: 2004 Preliminary FFIEC Census File.

Table 3: 2004 Revised OMB Metropolitan-Area Definitions
MSAs	Metropolitan statistical areas have at least one urbanized area of 50,000 or more in population, plus adjacent territory that has a high degree of social and economic integration with the core as measured by commuting ties.
Micropolitan Statistical Area	Micropolitan statistical areas have at least one urban cluster of at least 10,000 but less than 50,000 in population, plus adjacent territory that has a high degree of social and economic integration with the core as measured by commuting ties.
MetroDivs	Metropolitan divisions: If the specified criteria are met, a metropolitan statistical area containing a single core with a population of 2.5 million or more may be subdivided to form smaller groupings of counties referred to as metropolitan divisions.
CSAs	Combined Statistical Areas: If specified criteria are met, adjacent metropolitan and micropolitan statistical areas, in various combinations, may become the components of a new set of areas called combined statistical areas. For instance, a combined statistical area may comprise two or more metropolitan statistical areas, a metropolitan statistical area and a micropolitan statistical area, two or more micropolitan statistical areas, or multiple metropolitan and micropolitan statistical areas.

Source: OMB Bulletin No. 03-4 and accompanying attachment.

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