Tag Archives: Maps

Examining HMDA/CRA Census Tract Demographics

.. the ability to effectively analyze low, moderate, middle, and upper income population and households by small area geography is important to housing market stakeholders, lenders, investors, cities/neighborhoods and others. Low and moderate income data by block group and census tract are used for compliance, eligibility determination and program performance in many Federal programs and agencies. See the main Web page for more detail.

This section reviews the scope and use of the FFIEC 2019 HMDA/CRA census tract data (released September 2019). Use the interactive table to view, rank, compare selected items from these updated data for any/all tracts. Use GIS tools with these data to map and geospatially analyze these data as illustrated and further described as illustrated here. See more about banking, CRA and LMI tracts and more about these data.

Visual Analysis of Banks in Context Census Tract Demographics
Click graphic for larger view; expand browser window for best quality view.

– view developed using CV XE GIS and related GIS project.
– install this GIS tool and related GIS project on your computer to examines patterns, market share and more.

Low & Moderate Income Population by Census Tract
Low, moderate, middle, upper income classification by census tract is based on the median family income of a specific census tract relative to the metropolitan statistical area (MSA) or non-MSA area in which the tract is located. The FFIEC data include a “low and moderate income indicator”:
1 – Low — MFI is less than 50% of the MSA/parent area MFI
2 – Moderate — MFI is from 50% to 80% of the MSA/parent area MFI
3 – Middle — MFI is from 80% to 120% of the MSA/parent area MFI
4 – Upper — MFI is 120% or more of the MSA/parent area MFI
0 – NA — MFI is 0 or not available
where MFI is the Median Family Income

Low and moderate income designation is closely associated with implementation of the Home Mortgage Disclosure Act (HMDA) and the Community Reinvestment Act (CRA) and is a widely used in many other applications as a measure of economic prosperity.

Using the Interactive Table
Use the interactive table to examine individual tracts or sets of tracts as to their low and moderate income status and related demographics. The following view illustrates use of the table. Clicking buttons below table, this sequence of steps was used to obtain this view:
– click ShowAll
– click “Find CBSA; Low & Mod Tracts”
  >this selects tract in CBSA 26420 (Houston) that are low or mod
– click “Status Cols”
The table refreshes to show 470 tracts that are low/mod in this metro.
Finally, click the column header “Tract MFI %Region” to sort in descending order.

View your areas of interest. Start the steps over and use your CBSA code for a metro of interest.

Bankers Analytics Tools Web Sessions
Join me in a Bankers Analytic Tools Lab session (every Wednesday 3:00 pm ET) to discuss more details about accessing and using wide-ranging demographic-economic data and data analytics. Learn more about using these data for areas and applications of interest.
Topics:
• mapping and geospatially analyzing your data with FFIEC data
• tract demographic vintages and trends
• issues regarding MSA/MD vintage, change; about the 2018 vintage CBSAs
• defining and using assessment area geography
• examining the community & neighborhoods in context of assessment areas
• using the FDIC bank location/deposits data with FFIEC/ACS demographics
• using the FFIEC/ACS interactive table below
• alternative methods of accessing census tract ACS data

About the Author
— Warren Glimpse is former senior Census Bureau statistician responsible for innovative data access and use operations. He is also the former associate director of the U.S. Office of Federal Statistical Policy and Standards for data access and use. He has more than 20 years of experience in the private sector developing data resources and tools for integration and analysis of geographic, demographic, economic and business data. Contact Warren. Join Warren on LinkedIn.

Examining Economic Well-Being by Metro

.. examining the state of economic well-being: 2008-2017 .. expanding insights through data analytics .. tools and data to examine how and where the U.S. by metropolitan area real personal income is changing.  Real per capita personal income (RPCPI) is the best single measure of personal economic-well being. By examining RPCPI trends over a period, stakeholders can better determine if the area in improving, stable or declining. Still, RPCPI is but one important measure among many others, such as the Regional Price Parities (RPP). Use the interactive table, and related GIS tools, to examine these and other real personal income measures for the Nation’s 383 Metropolitan Statistical Areas (MSAs). See related Web section for more detail.

Based on data released by the Bureau of Economic Analysis in May 2019, see about in statistical release dates, real state personal income grew 2.6 percent in 2017, after increasing 1.5 percent in 2016. Real state personal income is a state’s current-dollar personal income adjusted by the state’s regional price parity and the national personal consumption expenditures price index. Across metropolitan areas, the percent change ranged from 14.8 percent in Midland, MI to -5.9 percent in Enid, OK

Visually Examining Patterns of Economic Well-Being
Geographic Information Systems (GIS) tools provide a powerful to explore these data. The following graphic shows a view of real per capita personal income (RPCPI), 2017, for Texas MSAs. Color patterns for levels of RPCPI are shown in the inset legend. MSAs are labeled with the 2017 RPCPI rank among all U.S. MSAs. Click graphic for larger view; expand browser window for best quality view. The larger view shows MSAs labeled with short name and a mini-profile for Harris County (pointer).

.. view developed with ProximityOne CV XE GIS and related GIS project.

Using the Interactive table
The interactive table (click link to view/use) includes a row for the U.S., U.S. nonmetro area and each Metropolitan Statistical Area (383). Each row provides a 2008-17 annual time series for four items (and derived items): real per capita personal income, regional prices parities-all items, total real personal income, implicit regional price deflator.

The following graphic shows these areas ranked on RPCPI in 2017. See rightmost column rank. Click graphic for larger view. Midland, TX MSA has the 4th highest 2017 RPCPI (shown in blue; also shown in blue in the map graphic above). But … that metro experienced a decrease of 12.1 percent over the period 2010-2017 .. and down from a high RPCPI of $115,069 in 2014. The dynamics of the oil industry!

Data Analytics Web Sessions
See these applications live/demoed. Run the applications on your own computer.
Join me in a Data Analytics Lab session to discuss more details about accessing and using wide-ranging demographic-economic data and data analytics. Learn more about using these data for areas and applications of interest.

About the Author
— Warren Glimpse is former senior Census Bureau statistician responsible for innovative data access and use operations. He is also the former associate director of the U.S. Office of Federal Statistical Policy and Standards for data access and use. He has more than 20 years of experience in the private sector developing data resources and tools for integration and analysis of geographic, demographic, economic and business data. Contact Warren. Join Warren on LinkedIn.

America’s Cities: Examining Characteristics & Trends

… examining city/place demographic-economic characteristics .. of the approximate 29,323 U.S. cities/places, there are just 548 “large cities” .. those with population of 65,000 population or more.  A semi-arbitrary classification, these are cities/places that meet a size criteria for which American Community Survey (ACS) 1-year estimates are developed annually.  This results in the availability of extensive annual demographic-economic data that are much more current than available for all other cities/places (incorporated cities and CDPs).  Click this link to display a list of these cities/places that include 42 CDPs.  They comprise 2017 population of 119,342,501 of the total U.S. population 325,719,178 (36.6%).

Visual Analysis of City/Place Population Dynamics
Use the CV XE GIS software with city/place GIS project to examine characteristics of city/place population. The following view shows patterns of population percent change by city in the Charlotte, NC/SC metro area.


… view developed using the CV XE GIS software.
… click map for larger view and details including city name.

Access updated city/place for all 29,323 U.S. cities/places based on data from American Community Survey 5-year estimates (ACS2017).  Only here, for example, can you compare income characteristics and educational attainment, and much more, among all cities/places or peer groups .. or examine one/a few of interest to you.

Interactive Tables
Use interactive tables to view, rank, compare cities for any selected item; examine peer groups. Four pages/tables:
• General Demographics
• Social Characteristics
• Economic Characteristics
• Housing Characteristics
Related:
• City/Place GeoDemographics Main Section
• Annual City/Place Population Estimates & Trends
• Similar ACS tables: Census Tracts | ZIP Codes | State, Metro & County

Using API Tools to Access Trend Data; Build Data Files
An example: Examine Citizen Voting Age Population; 2014-2017 annually
Using API Tools to access ACS 2017 1 year estimates for all cities/places:
.. item D084 (CVAP: citizen voting age population) in the interactive table
.. click here to view list of places 65,000 population and over and CVAP
.. join us in the Data Analytics Web Sessions to learn more

Data Analytics Web Sessions
See these applications live/demoed. Run the applications on your own computer.
Join me in a Data Analytics Lab session to discuss more details about accessing and using wide-ranging demographic-economic data and data analytics. Learn more about using these data for areas and applications of interest.

About the Author
— Warren Glimpse is former senior Census Bureau statistician responsible for innovative data access and use operations. He is also the former associate director of the U.S. Office of Federal Statistical Policy and Standards for data access and use. He has more than 20 years of experience in the private sector developing data resources and tools for integration and analysis of geographic, demographic, economic and business data. Contact Warren. Join Warren on LinkedIn.

Employment by Occupation by Census Tract; 5-Year Trends

.. data and tools to examine patterns of employment by occupation by census tract and 5-year change .. the U.S. civilian employed population increased from 142.9 million in 2012 to 155.1 million in 2017, an increase of 12.1 million (8.5%) based on the American Community Survey (ACS) 1-year estimates. See this table to see how the employed population were distributed by occupation in 2012, 2017 and the 5-year change. How did your neighborhoods or market/service areas of interest change over the past 5 years? How will occupational employment patterns by tract/neighborhood change between now and 2023?

Patterns of Percent Employed in Health Occupations by Census Tract
The following graphic shows patterns of the employed population in health occupations as a percent of total civilian employed population ages 16 and over in the Minneapolis-St. Paul metro. This view uses the occupational category MBSA40 Healthcare practitioners and technical listed in scroll section below. Tracts with blue or green pattern exceed the national average as shown in national table. Click graphic for larger view, more detail (shows schools layer) and legend color/data intervals. This map illustrates the geographic level of detail available using census tract demographics and the relative ease to gain insights using geospatial data analytics tools. View related graphic showing tract with the largest employment in the “Healthcare practitioners and technical” occupational group among all tracts.

– View developed using CV XE GIS and related GIS project.

Drill-down to Census Tract Level
Examining patterns of employment by occupation, for the same scope of subject matter, at the sub-county level can provide more insights. What is the size of the employment for a selected occupation in a neighborhood or market/service area of interest? How has the size of an occupational group by census tract changed over the past five years? How do these patterns rank/compare by tract in a particular state, metro or county? Data on employment by occupational category from the Federal statistical system on a U.S. national scale for counties, cities and census tracts are only available from the American Community Survey (ACS).

Use tools, resources and methods described here to access, integrate and analyze employment by occupation for the U.S. by census tract. Use the interactive table to view, query, rank, compare census tract occupational characteristics, patterns and trends. Data are based on the American Community Survey (ACS) 2017 5-year estimates.

Related sections with census tract interactive tables:
– General Demographics .. Social .. Economic .. Housing 

Current Estimates & Projections
ACS tract/small area estimates lag by four years or more between the current year and reference year. ACS does not produce current year annual estimates but estimates based on a 5-year period. The 2017 ACS estimates are centric to 2015. Use the ProximityOne annual tract estimates and projections 2010 through 2023 for current year (e.g., characteristics as of 2018) estimates and anticipated change 5 years ahead.

Using the Interactive Table
An example of using the interactive table to view, query, rank, compare census tract occupational characteristics, patterns and trends is shown by the graphic presented below. The table shows 6 columns of employment data for all tracts in Harris County, TX. The table is ranked on the ACS 2017 health occupations employment (MBSA40) column. Tract 48-201-312600 had largest ACS 2017 health employment of 1,078 among all tracts in the county. Compare to 2012 patterns. Use settings below table to develop a similar view your geography and occupations of interest.

Occupational Categories
The interactive table includes occupational categories listed below.
Total population
Total Civilian employed population 16 years and over
MBSA00 . Management, business, science, and arts
MBSA10 . . Management, business, and financial
MBSA11 . . . Management
MNSA12 . . . Business and financial operations
MBSA20 . . Computer, engineering, and science
MBSA21 . . . Computer and mathematical
MBSA22 . . . Architecture and engineering
MBSA23 . . . Life, physical, and social science
MBSA30 .. Education, legal, community service, arts, and media
MBSA31 … Community and social service
MBSA32 … Legal
MBSA34 … Education, training, and library
MBSA35 … Arts, design, entertainment, sports, and media
MBSA40 .. Healthcare practitioners and technical
MBSA41 … Health diagnosing & treating practitioners & other tech
MBSA42 … Health technologists and technicians
SVC00 . Service
SVC10 . . Healthcare support
SVC20 . . Protective service
SVC21 . . . Fire fighting/prevention & other protective services
SVC22 . . . Law enforcement workers including supervisors
SVC30 . . Food preparation and serving related
SVC40 . . Building and grounds cleaning and maintenance
SVC50 . . Personal care and service
SOF00 . Sales and office
SOF10 . . Sales and related
SOF20 . . Office and administrative support
NRC00 . Natural resources, construction, and maintenance
NRC10 . . Farming, fishing, and forestry
NRC20 . . Construction and extraction
NRC30 . . Installation, maintenance, and repair
PTM00 . Production, transportation, and material moving
PTM10 . . Transportation
PTM20 . . Material moving

Data Analytics Web Sessions
See these applications live/demoed. Run the applications on your own computer.
Join me in a Data Analytics Lab session to discuss more details about accessing and using wide-ranging demographic-economic data and data analytics. Learn more about using these data for areas and applications of interest.

About the Author
— Warren Glimpse is former senior Census Bureau statistician responsible for innovative data access and use operations. He is also the former associate director of the U.S. Office of Federal Statistical Policy and Standards for data access and use. He has more than 20 years of experience in the private sector developing data resources and tools for integration and analysis of geographic, demographic, economic and business data. Contact Warren. Join Warren on LinkedIn.

Assessing Why and How the Regional Economy is Changing

.. data, tools and insights .. which counties are experiencing the fastest economic growth? by what economic component? what does this look like on a per capita level? how might county economic change impact you? Use our county level annual estimates and projections to 2030 to get answers to these and related questions. Get started with the interactive table that contains a selection of these data for all counties and states.

Visual Analysis of Per Capita Personal Income Patterns
The following map shows changing patterns of economic prosperity, U.S. by county, based on percent change in per capita personal income, 2010 to 2017. Create variations of this view — this view uses a layer in the “US1.GIS” GIS project installed by default with all versions of the CV XE GIS software.
– click graphic for larger view.
– view developed with CV XE GIS software.

Measuring the economy and change. One important part of this is Personal Income and components of change. Personal income is the income available to persons for consumption expenditures, taxes, interest payments, transfer payments to governments and the rest of the world, or for saving. Use the interactive table to examine characteristics of counties and regions of interest; how they rank and compare. The table provides access to 31 personal income related summary measures — the interactive table shows data for one of eight related subject matter groups. See more about the scope of subject matter descriptions.

Assessing How the Economy is Changing and How it Compares
The U.S. Per Capita Personal income (PCPI) increased from $40,545 in 2010 to $51,640 in 2017 — a change of $11,095 (27.4%). Compare the U.S. PCPI (or for any area) to a state or county of interest using the table. For example, Harris County, TX (Houston) .. click the Find GeoID button below the table .. increased from $45,783 in 2010 to $53,188 in 2017 — a change of $7,405 (16.2%).

Economic Profile; 2010-2017 & Change — An Example
The following graphic shows and example of the economic profile for Harris County, TX (Houston). Access a similar profile for any county or state.

Data Analytics Web Sessions
Join me in a Data Analytics Lab session to discuss more details about accessing and using wide-ranging demographic-economic data and data analytics. Learn more about using these data for areas and applications of interest.

About the Author
— Warren Glimpse is former senior Census Bureau statistician responsible for innovative data access and use operations. He is also the former associate director of the U.S. Office of Federal Statistical Policy and Standards for data access and use. He has more than 20 years of experience in the private sector developing data resources and tools for integration and analysis of geographic, demographic, economic and business data. Contact Warren. Join Warren on LinkedIn.

Block Group Demographic Data Analytics

.. use tools described here to access block group data from ACS 2016 (or ACS2017 in December 2018) using a no cost, menu driven tool accessing the data via API. Select from any of the summary statistic data. Save results as an Excel file or shapefile. Add the shapefile to a GIS project and create unlimited thematic pattern views. Add your own data. Join us in a Data Analytics Web session where use of the tool with the ACS 2017 data is reviewed.

See related Web section for more details.
– examine neighborhoods, market areas and sales territories.
– assess demographics of health service areas.
– create maps for visual/geospatial analysis of locations & demographics.

Illustration of Block Group Thematic Pattern Map – make for any area

– click graphic to view larger view
– pointer (top right) shows location of Amazon HQ2

Topics in this how-to guide (links open new sections/pages)
• 01 Objective Thematic Pattern Map View
• 02 Install the CV XE GIS software
• 03 Access/Download the Block Group Demographic-Economic Data
• 04 Download the State by Block Group Shapefile
• 05 Merge Extracted Data (from 03) into Shapefile (04)
• 06 Add Shapefile to the GIS Project; Set Intervals
• 07 Viewing Profile for Selected Block Group
• 08 BG Demographics Spreadsheet
• 09 Block Group Demographics GIS Project
• 10 Why Block Group Demographics are Important

Data Analytics Web Sessions
Join me in a Data Analytics Lab session to discuss more details about accessing and using wide-ranging demographic-economic data and data analytics. Learn more about using these data for areas and applications of interest.

About the Author
— Warren Glimpse is former senior Census Bureau statistician responsible for innovative data access and use operations. He is also the former associate director of the U.S. Office of Federal Statistical Policy and Standards for data access and use. He has more than 20 years of experience in the private sector developing data resources and tools for integration and analysis of geographic, demographic, economic and business data. Contact Warren. Join Warren on LinkedIn.

New 2018 Vintage Metropolitan Areas

.. new, September 14, 2018 vintage, Core-Based Statistical Area (CBSA) delineations have been released by the U.S. Office of Management and Budget (OMB).  Among other things, the new delineations specify which counties are included in each CBSA.  CBSAs. an OMB standards term, are metropolitan areas comprised of Metropolitan Statistical Areas (now 384 MSAs in the U.S.) and Micropolitan Statistical Areas (now 542 MISAs in the U.S.).

How Metros Change Geographically
The following graphic, focused on the Charlotte, NC-SC MSA region, illustrates how MSAs are changing. 2017 vintage MSAs are shown with bold green boundary, yellow fill pattern. Cross-hatched areas are 2018 vintage MSA counties. As of the 2018 vintage, note that …
• Anson County, NC (to right of pointer) has been added to the Charlotte, NC-SC MSA.
• Union County, SC has been removed from the Spartanburg, SC MSA.
• Harnett County, NC has been added to the Fayetteville, NC MSA.

— graphic developed using CV XE GIS software and related GIS project.

What About My MSAs of Interest?
See detailed information about the 2018 vintage CBSAs/MSAs and their component counties at http://proximityone.com/cbsa2018.htm.

Impact of the 2018 Delineations
The new delineations take place immediately and have numerous impacts.  Going forward, Federal statistical agencies will develop statistics and use the new names and geocodes as set forth in the new delineations (most names and geocodes remain the same).  For CBSAs affected, which are numerous, this will result in challenges for longitudinal analyses where consistently defined geography over time is required.  The total 2017 official population estimates are affected for three of the largest 10 CBSAs using the 2018 delineations compared to the 2017 delineations.  More immediately, it may become confusing whether the 2018, 2017, 2015, or an earlier vintage CBSA geography is being referenced.  On a positive note, the 2018 vintage CBSAs are believed to best reflect the set of counties comprising a CBSA as an entity of highly related demographic-economic conditions.

Keeping Up-to-Date with Metro Demographic-Economic Data
Metropolitan Statistical Areas (MSAs/metros), comprised of one or more contiguous counties, are important for many reasons. Business, demographic and economic data for these 384 areas, each developed around an area of large population concentration, provide a “10,000 foot” view of these characteristics and how they are changing. As they are comprised of county groups, much of the subject matter data are also available for drill-down analysis at the county and sub-county levels. Metro boundaries change some over time … as more peripheral counties are added or removed depending on their demographic-economic affinity with central county(s).

Metros are an important part of the ProximityOne Situation & Outlook program. Metro demographic-economic estimates and projections are updated to reflect 2018 vintage metros. This includes all elements of the Census-sourced age-race/ethnicity-gender annual estimates and American Community Survey demographic-economic subject matter.

Designating Metros and Delineating Metro County Components
More detail … in consultation with Federal statistical agencies, OMB defines metropolitan statistical area boundaries. This section provides a summary of Metropolitan Statistical Areas (MSAs), and component Metropolitan Division and Counties/County Equivalents, as delineated in OMB Bulletin 18-04 issued September 14, 2018. These delineations take place immediately. This is a significant update affecting approximately 20-percent of previous MSA delineations (one or more county addition or removal).

Under the September 14, 2018 delineation, there are 938 Metropolitan Statistical Areas (MSAs) and Micropolitan Statistical Areas (MISAs) in the U.S. and Puerto Rico, collectively referred to as Core-Based Statistical Areas (CBSAs). There are 392 MSAs (384 in the U.S. and 8 in Puerto Rico). 11 MSAs contain a total of 31 Metropolitan Divisions. There are 546 MISAs (542 in the United States and 4 in Puerto Rico).

The 384 U.S. MSAs comprise 1,181 counties of total 3,142 U.S. counties. The total 2017 population of these metros was 280,468,904 of total 325,719,178 U.S. population (86.1%).

See related sections:
• Metros Main Section
• Metros Situation & Outlook Reports
.. click link in column 3 in table in above page to view detailed report
• Metro Demographic-Economic Interactive Tables
• County Population/Components of Change Interactive Table

Data Analytics Web Sessions
Join me in a Data Analytics Lab session to discuss more details about accessing and using wide-ranging demographic-economic data and data analytics. Learn more about using these data for areas and applications of interest.

About the Author
— Warren Glimpse is former senior Census Bureau statistician responsible for innovative data access and use operations. He is also the former associate director of the U.S. Office of Federal Statistical Policy and Standards for data access and use. He has more than 20 years of experience in the private sector developing data resources and tools for integration and analysis of geographic, demographic, economic and business data. Contact Warren. Join Warren on LinkedIn.