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Inactive Financial Institution Letters 

Community Reinvestment Act
FIL-63-96
August 22, 1996
TO: CHIEF EXECUTIVE OFFICER
SUBJECT: HUD Statewide Non-MSA Median Family Income Figures for 1996

In response to requests from financial institutions, attached is a listing of 1996 non-metropolitan statistical area (non-MSA) median family income figures, categorized by state. These figures were provided by the Department of Housing and Urban Development (HUD).

The FDIC and the other federal supervisory agencies use these figures to classify the income levels of borrowers located outside of metropolitan statistical areas (MSAs) in Community Reinvestment Act (CRA) evaluations. These figures, updated annually by HUD, provide a viable measuring standard for assessing an institution's level of lending based upon income within the non-MSA portion of the institution's assessment area(s).

Revised CRA regulations classify individual income levels as low- , moderate- , middle- , or upper-income based on area median income. "Area median income" is defined as "the statewide non-MSA median family income, if a person or a geography is located outside an MSA" (12 CFR 345.12(b)).

For further information about these income figures, or for information concerning MSA income data, please contact your regional office of the FDIC's Division of Compliance and Consumer Affairs shown on the attached list.

Carmen J. Sullivan
Director

Attachments:
U.S. Census and HUD Estimated Non-MSA Median Family Income
FDIC Regional Offices - Division of Compliance and Consumer Affairs

Distribution: FDIC-Supervised Financial Institutions (Commercial and Savings)

Attachment #1

U.S. Census and HUD Estimated Non-MSA Median Family Income

Figures for 1996 - Recapitulation By State

State Non-MSA Median
Family Income
1990 U.S. Census (*)
Non-MSA Median
Family Income
HUD Estimates - 1996
Alabama $24,500 $28,800
Alaska $44,045 $48,500
Arizona $23,997 $29,800
Arkansas $22,419 $27,300
California $29,946 $34,300
Colorado $28,257 $36,300
Connecticut $43,591 $50,000
Delaware $31,112 $37,800
Florida $25,874 $31,600
Georgia $26,690 $32,500
Hawaii $37,990 $47,100
Idaho $28,166 $35,900
Illinois $29,693 $36,000
Indiana $30,800 $37,200
Iowa $29,303 $37,000
Kansas $28,067 $34,300
Kentucky $22,542 $26,400
Louisiana $21,177 $25,200
Maine $30,719 $34,100
Maryland $33,695 $42,000
Massachusetts $37,765 $42,000
Michigan $27,893 $33,800
Minnesota $28,933 $36,200
Mississippi $21,994 $26,000
Missouri $24,324 $30,100
Montana $27,349 $34,700
Nebraska $27,623 $35,100
Nevada $35,577 $47,200
New Hampshire $36,623 $40,700
New Jersey $ 0.00 $ 0.00
New Mexico $23,165 $29,200
New York $31,472 $35,600
North Carolina $27,206 $33,500
North Dakota $26,194 $32,300
Ohio $30,562 $37,000
Oklahoma $24,139 $28,600
Oregon $28,125 $33,100
Pennsylvania $28,934 $32,800
Rhode Island $40,639 $45,400
South Carolina $26,904 $33,300
South Dakota $25,547 $32,800
Tennessee $24,935 $30,200
Texas $24,585 $28,900
Utah $30,183 $36,600
Vermont $32,453 $36,300
Virginia $28,301 $33,600
Washington $29,671 $33,600
West Virginia $22,654 $26,600
Wisconsin $30,290 $37,700
Wyoming $32,096 $40,500
Puerto Rico $ 7,717 $10,400

(*) - Reflects 1996 Geography as defined by the Office of Management and Budget (OMB).

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Attachment #2

FDIC Regional Offices - Division of Compliance and Consumer Affairs
Atlanta Regional Office
Jimmy R. Loyless
Regional Manager
Federal Deposit Insurance Corporation
One Atlantic Center, Suite 1600
1201 West Peachtree St., N.E.
Atlanta, GA 30309- 3449
(404) 817-1300
(404) 817-8806 FAX

Alabama, Florida, Georgia, North Carolina, Virginia, West Virginia
Kansas City regional Office
John P. Misiewicz
Regional Manager
Federal Deposit Insurance Corporation
2345 Grand Ave., Suite 1500
Kansas City, MO 64108
(816) 234-8000
(816) 234-8088 FAX

Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota
Boston Regional Office
Carl Schnapp
Regional Manager
Federal Deposit Insurance Corporation
200 Lowder Brook Drive, Suite 3100
Westwood, MA 02090
(617) 320-1600
(617) 320-1698 FAX

Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont
Memphis regional Office
Sylvia J. Plunkett
Regional Manager
Federal Deposit Insurance Corporation
5100 Poplar Ave., Suite 1900
Memphis, TN 38137
(901) 685-1603
(901) 821-5272 FAX

Arkansas, Kentucky, Louisiana, Mississippi, Tennessee
Chicago regional Office
David K. Mangian
Regional Manager
Federal Deposit Insurance Corporation
500 West Monroe St., Suite 3600
Chicago, IL 60661
(312) 382-6926
(312) 382-6935 FAX

Illinois, Indiana, Michigan, Ohio, Wisconsin
New York Regional Office
Richard Pazerackas
Regional Manager
Federal Deposit Insurance Corporation
452 Fifth Avenue, 19th Floor
New York, NY 10018
(212) 704-1200
(212) 827-4529 FAX

Delaware, District of Columbia, Maryland, New Jersey, New York, Pennsylvania, Puerto Rico, Virgin Islands
Dallas regional Office
Thomas P. Anderson
Regional Manager
Federal Deposit Insurance Corporation
1601 Bryan Street, Suite 1900
Dallas, TX 75201
(214) 220-3324
(214) 220-3811 FAX

Colorado, New Mexico, Oklahoma, Texas
San Fransisco Regional Office
James Densmore Regional Manager
Federal Deposit Insurance Corporation
25 Ecker Street, Suite 2300
San Fransisco, CA 94105
(415) 546-0160
(415) 896-2879 FAX

Alaska, Arizona, California, Guam, Hawaii, Idaho, Montana, Nevada, Oregon, Utah, Washington, Wyoming

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Last Updated 10/24/2007 communications@fdic.gov