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					Annie E. Casey Foundation Site Profiles

              Atlanta




               Prepared by The Urban Institute
                             Revised 9/24/04
              TABLE OF CONTENTS FOR ANNIE E. CASEY SITE PROFILES
                                                                              Page number in PDF profile
                                                                                Metro          Sub-ngh.
                                                                              comparison      comparison
                                                                                sheets          sheets

Core Results Indicators (census tract level data sources)                       Part A1            Part B1
1.0 Earnings and Income                                                            1                 11
1.1 Parents and young adults employed                                              1                 11
1.2 Parents in jobs providing family supporting wages, benefits, and career
    advancement opportunities                                                      1                 11
1.3 Family income and earnings                                                     1                 11
1.4 Stable labor force attachment of parents                                       1                 11
2.0   Assets                                                                       2                 12
2.1   Level of family savings and percent of families that save                    2                 12
2.2   Families that own their own homes and other assets such as cars              2                 12
2.4   Families access to reasonably priced housing, consumer goods and
      financial services                                                           2                 12
6.0   Child Health and Readiness to Succeed in School
6.1   Pregnant women receiving prenatal care in first trimester                    3                 13
6.2   Children born with low birthweight                                           3                 13
6.3   Children born to teenage mothers                                             3                 13
6.6   Children with developmentally appropriate pre-school experience              3                 13
Core Results Indicators (zip code level data sources)                           Part A2            Part B2
1.0 Earnings and Income                                                            4                 17
1.1 Parents and young adults employed                                              4                 17
1.3 Family income and earnings                                                     4                 17
2.0   Assets                                                                       4                 17
2.1   Level of family savings and percent of families that save                    4                 17
2.3   Eligible families filing for EITC and CDTC                                   5                 18
2.4   Families access to reasonably priced housing, consumer goods &
      financial services                                                           5                 18
Context Indicator Categories (census tract level data sources)                  Part A3            Part B3
Population                                                                         6                 19
Number of census tracts                                                            6                 19
Population by race/ethnicity                                                       6                 19
Households and household types                                                     7                 20
Home purchase mortgage borrowers by race/ethnicity                                 7                 20
Income                                                                             7                 20
Employment and labor force                                                         7                 20
Social risk factors and risk factor indices                                        8                 21
Isolation indicators                                                               8                 21
Housing conditions                                                                 8                 21
Home mortgage lending                                                              9                 22
Context Indicator Categories (zip code level data sources)                      Part A4            Part B4
Household and population                                                          10                 27
Returns by adjusted gross income categories                                       10                 27
Returns by filing status (household type)                                         10                 27
Reference                                                                              All parts
Notes                                                                                   28-32
HUD Area Median Family Income (HAMFI) 1997-2003                                           33
                   Introduction to Annie E. Casey Site Profiles


Urban Institute researchers have prepared the enclosed Site Profiles for the ten Making
Connections cities, as well as Atlanta, Baltimore, New Haven and Washington. The primary
purpose of the profiles is to give Foundation leaders a set of well-organized tables with
information comparable across all the sites. They have also been used by local partners as a
starting point for more customized local profiles. They provide a quick scan of conditions in the
focus neighborhoods, and are intended to supplement the Cross-Site survey and the local
administrative data being collected and analyzed by the Local Learning Partners. As with all
quantitative indicators, the profiles are best used not in isolation, but rather with on-the-ground
interpretation of their implications for neighborhood residents and program development.

Organization. The profiles are presented as separate packages of tables for each of the sites.
A detailed table of contents is included, but the main sections are organized as follows:

Part A: Comparing data for the Casey focus area to other parts of the city and metropolitan area
        Part A1 – Core results indicators (tract-level data sources)
        Part A2 – Core results indicators (zip code-level data sources)
        Part A3 – Context indicators (tract-level data source)
        Part A4 – Context indicators (zip code-level data sources)

Part B: Comparing data for the Casey sub-neighborhoods to the city and the entire focus area
        Part B1 – Core results indicators (tract-level data sources)
        Part B2 – Core results indicators (zip code-level data sources)
        Part B3 – Context indicators (tract-level data sources)
        Part B4 – Context indicators (zip code-level data sources)


In addition, there are two sets of cross-site tables for Making Connections sites:

Part C: Comparing data for the 10 Making Connections neighborhoods to each other
        Part C1 – Core results indicators (tract-level data sources)
        Part C3 – Context indicators (tract-level data sources)

Geography. Whenever possible, we have assembled census tract level data to construct the
measures. Census tracts do not always align with locally-determined boundaries, but are
generally very close. Profile users should look at the enclosed reference map to understand
how representative our census tract selections are of the locally-defined focus area. In this
version of the profiles, we have added new indicators based on zip-code level datasets. Zip
codes are far from ideal for data analysis; they are much larger than census tracts, rarely follow
key landmarks, and can be changed by the Postal Service at any point. However, zip code
data is easier and more inexpensive for government agencies to compile since no geocoding is
needed. We have only chosen datasets where we consider the value of the indicators to
outweigh the drawbacks of the use of zip codes.
Geography. (cont)
The “Core zip code areas” presented in the tables generally are two to three times larger than
the area of the Casey site, and distort the indicators much more than the tract aggregations. To
make the distinction clear, we have created separate tables for tract-level indicators and zip-
code level indicators. We encourage users to view the reference map of the zip code
boundaries compared to the Casey Focus area. In addition, in place of sub-neighborhoods in
Part B, we have provided indicators for each zip code separately.

Data Sources. As a part of its work under NNIP and other projects, the Urban Institute has
assembled a number of national databases with information at neighborhood levels. We derive
the majority of the indicators from the Neighborhood Change Data Base (NCDB), the only data
file that contains tract level data with consistently defined boundaries for the censuses from
1970 through 2000. We have chosen other tract-level indicators about mortgage lending from
the annual Home Mortgage Disclosure Act datasets. The zip code level indicators are all
compiled from Internal Revenue Service (IRS) files, which provide only annual source of
national sub-city data on income distribution, EITC benefits, and savings. These are new
indicators, so we would appreciate your feedback on indicators that you find useful or ones you
believe are misleading. Finally, we have included a few measures of maternal and child health
from the four sites who participated in the NNIP cross-site project on health indicators.

Methodology and cautions for the indicators are documented in a “Notes” section at the end of
each profile. We encourage users to read it carefully to avoid misinterpretation or misuse of the
information provided in the profiles.

Future plans. In the future, we intend to make use of Zip Business Pattern files on employment
and business establishments, as well as updated information on public and assisted housing.
We also plan to add indicators from local data sources, such as vital statistics and crime, for as
many sites as possible.

Incorporation of additional files at the county or metro level will include: the most recent edition
of the American Communities Survey, the Bureau of Labor Statistics Local Area Unemployment
Statistics (LAUS) series (recent changes in strength of metro labor markets), and files on inter-
county migration (Census) building permits (Census) and homes sales and prices (National
Association of Realtors).
CIVIC SITE AREA COMPARISONS — Atlanta, GA MSA
Part A1 - CORE RESULTS INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                       Central City                              Suburbs
                                                                     Other                                                             Total
                                                                                Remaining    City         Hi-poverty    Remaining
                                                 Civic Site Area   Hi-poverty                                                        Metro Area
                                                                                    tracts   Total          Neigh         tracts
                                                                     Neigh
1.0 EARNINGS AND INCOME
1.1 Parents and young adults employed
    % female age 16+ employed             1980               31            40           52           47           47           55             53
                                          1990               37            42           56           52           52           63             62
                                          2000               40            40           56           51           48           61             60

    % male age 16+ employed               1980               45            53           66           62           66           79             76
                                          1990               49            53           67           63           62           79             77
                                          2000               49            46           65           60           58           76             74

    % total pop. age 16+ employed         1980               37            46           59           54           56           66             64
                                          1990               42            47           62           57           56           71             69
                                          2000               44            42           60           55           53           69             67

    % of children, one or more            1990               58            60           83           73           74           95             93
     parents in labor force               2000               61            68           82           76           72           93             91

    % pop. age 16-19 employed             1990               70            82           86           84           87           91             90
     or in school                         2000               78            86           88           86           80           91             90

1.2 Parents in jobs providing family supporting wages, benefits, and career advancement opportunities
    % managerial/professional             1980               10            14           32           27           16           28             28
     employment                           1990               17            15           38           32           16           33             33
                                          2000               27            18           47           41           17           38             38

1.3 Family income and earnings
    Avg. family income (1999 $ 000)       1980               20            26           56           45           33           58             55
                                          1990               22            25           78           60           35           69             67
                                          2000               30            30           94           73           33           76             75

    % chg. avg. income                 1980-90                9            -3           38           32             7          19             22
      (1999 $ 000)                     1990-00               34            17           20           23            -7          11             12

    % persons in poverty                  1980               51            41           19           28           27             9            13
                                          1990               53            44           18           27           33             7            10
                                          2000               44            44           16           25           38             8             9

    % children (<age 18) in poverty       1990               64            60           30           43           46           10             14
                                          2000               57            59           25           39           52            9             12

    % fam.w/children in poverty           1980               60            47           23           33           31             9            13
                                          1990               60            54           24           37           39             7            11
                                          2000               50            50           20           32           43             7            10

    % persons < 200% of poverty           1990               78            68           36           47           58           20             24
                                          2000               69            68           33           44           62           21             23

1.4 Stable labor force attachment of parents
    % employed working 35+ hrs/wk         1990               52            53           66           62           58           71             70
      & 40+wks/yr in 1999                 2000               62            54           68           65           61           73             72




    Page 1 of 33                                                                                                            Revised 9/24/04
CIVIC SITE AREA COMPARISONS — Atlanta, GA MSA
Part A1 - CORE RESULTS INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                         Central City                              Suburbs
                                                                       Other                                                                Total
                                                                                  Remaining    City         Hi-poverty       Remaining
                                                   Civic Site Area   Hi-poverty                                                           Metro Area
                                                                                      tracts   Total          Neigh            tracts
                                                                       Neigh
2.0 ASSETS
2.1 Level of family savings and percent of families that save
    % HH with interest, dividends           1980                 6             8          34           25           19              39             36
       or net rental income                 1990                 7             8          35           27           15              39             37
                                            2000                 9             8          34           27           11              34             33

    Avg. interest/dividend/rental           1980                 3             4          13           12                5            6             7
    income (1999 $ 000)                     1990                 2             3          20           19                4            8             9
                                            2000                 4             7          22           21                6            9            10

2.2 Families that own their own homes and other assets such as cars
    Homeownership rate                      1980               23              27         48           41           37              68             62
                                            1990               26              27         50           43           39              66             63
                                            2000               29              26         50           43           33              70             66

    Homeownership rate for poor HH          2000               12              13         23           18           12              38             32

    Homeownership rate                      2000               18              15         52           38           19              73             70
     for families with children

    Average value owner occ.                1990               64              61        191       165              74             143             145
     single-family units (2000$,000)        2000              117              81        274       241              86             168             173
       % real change                     1990-00               83              31         43        46              16              17              19

    Median value purchase loans*            1997              117            62          147       133              70             122             123
      (2003$ 000)                           2000              121            91          163       152              93             134             135
                                            2003              150           130          160       153             118             139             140
       % real change                     1997-00                3              47         11           14           33              10             10
                                         2000-03               24              43         -2            1           27               4              4

    % households w/vehicle                  1990               41              51         81           71           73              95             91
                                            2000               49              57         84           76           73              95             93

2.3 Eligible families filing for EITC and CDTC - see zip code-level profiles

2.4 Families access to reasonably priced housing, consumer goods and financial services
    % households paying                     1990               44              43         36           38           38              26             28
       >30% income for housing              2000               40              41         34           36           41              26             27
    % households paying                     2000               21              22         16           18           21              10             11
       >50% income for housing

    % renter households paying              1990               46              47         44           45           45              36             38
       >30% income for housing              2000               44              43         40           41           48              37             38
    % renter households paying              2000               24              23         19           21           25              15             16
       >50% income for housing

    % owner households paying               1990               38              30         26           27           27              20             21
       >30% income for housing              2000               31              32         28           29           25              21             22
    % owner households paying               2000               13              17         12           13           11                7             7
       >50% income for housing

    Avg. gross rent for HH paying           1990              363           412          676       573             508             738             698
     cash rent (2000 $ 000)                 2000              384           462          763       653             505             784             755
      % real change                      1990-00                6            12           13        14              -1               6               8




    Page 2 of 33                                                                                                                 Revised 9/24/04
CIVIC SITE AREA COMPARISONS — Atlanta, GA MSA
Part A1 - CORE RESULTS INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                                                Central City                                  Suburbs
                                                                                              Other                                                                    Total
                                                                                                         Remaining      City          Hi-poverty        Remaining
                                                                     Civic Site Area        Hi-poverty                                                               Metro Area
                                                                                                             tracts     Total           Neigh             tracts
                                                                                              Neigh
2.4 Families access to reasonably priced housing, consumer goods and financial services
     Denial rates for home purchase                          1997                     26            36           14             16                36           18             18
      mortgage applications*                                 2000                     29            33           16             20                30           20             20
                                                             2003                     31            33           18             22                24           12             13
         % point change                                 1997-00                        3             -3           2              3                 -5            2              2
                                                        2000-03                        2              0           2              3                 -6           -7             -6

     Pct. of refinance mortgages                             1997                     50            58           28             33                45           22             23
       from subprime lenders*                                2000                     34            40           32             34                43           30             30
                                                             2002                     22            28           12             14                27           11             11
         % point change                                 1997-00                       -17          -17             3              0                -2            8              7
                                                        2000-02                       -12          -13           -20            -19               -16          -19            -19

     Pct. of purchase mortgages                              1997                     15            27            8             10                15            6              6
       from subprime lenders*                                2000                     16            23            9             11                20           10             10
                                                             2002                     20            21           11             13                19           12             12
         % point change                                 1997-00                        1             -4           1              1                  5            4             4
                                                        2000-02                        5             -2           2              2                 -1            2             2

2.5 Families with payment related disruptions in housing status and living conditions - Not available

3.0 CIVIC PARTICIPATION - Not available

4.0 SOCIAL NETWORKS - Not available

5.0 SERVICES AND SUPPORTS - Not available

6.0 CHILD HEALTH AND READINESS TO SUCCEED IN SCHOOL
6.1 Pregnant women receiving prenatal care in first trimester
     % births w/prenatal care**                      1995/97                          na            na           na             na                na           na             na
      in first trimester                             19980                            na            na           na             na                na           na             na
        % point change                               1995-00                          na            na           na             na                na           na             na

6.2 Children born with low birthweight
     % births, low birthweight**                     1995/97                          na            na           na             na                na           na             na
                                                     19980                            na            na           na             na                na           na             na
         % point change                              1995-00                          na            na           na             na                na           na             na

6.3 Children born to teenage mothers
     Teen birth rate (age 15-19)**                   1995/97                          na            na           na             na                na           na             na
                                                     19980                            na            na           na             na                na           na             na
         % point change                              1995-00                          na            na           na             na                na           na             na

6.4 Children covered by health insurance - Not available

6.5 Children entering school with strengths, skills and good health that enable them to learn - Not available

6.6 Children with developmentally appropriate pre-school experience
     % pop age 3-5 in preschool                              2000                     85            88           98             93                92           89             89
       or kindergarten

6.7 Parents involved in their childrens' school - Not available
Sources: Unless otherwise noted, the data is calculated from the Urban Institute's Neighborhood Change Database (NCDB) or the Decennial Census.
   * Home Mortgage Disclosure Act dataset, 1997-2003, compiled by the Urban Institute. Dollar amounts expressed as constant 2003 dollars.
  ** Local administrative vital statistics files as compiled by the Urban Institute
     See "Notes" worksheet for additional documentation about calculations and indicators.




     Page 3 of 33                                                                                                                                           Revised 9/24/04
CIVIC SITE AREA COMPARISONS — Atlanta, GA MSA
PART A2- CORE RESULTS INDICATORS, ZIP CODE LEVEL DATA SOURCES

                                                                                       Central County
                                                                          Civic Site                                               Total
                                                                                          Remaining      County
                                                                          Core Zip                                   Suburbs     Metro Area
                                                                                          Zip Codes       Total
                                                                           Codes

1.1 Parents and young adults employed

   Pct returns with salaries and wages**                           2001            93              81         82           90           88
    Change in pct. returns with salaries/wages                  1998-01           -0.9            -3.2       -3.1         -0.2         -0.8

   Pct returns with less than $25,000 AGI & salaries/wages**       2001            92              70         72           83           80
    Change in pct. returns with salaries/wages                  1998-01           -1.6            -8.5       -8.0         -1.3         -3.0

   Pct returns with business income (Schedule C)**                 2001            10              13          13          15            15
    Change in pct. returns with business income                 1998-01           1.5            (0.1)        0.1         0.3           0.2

   Pct returns with less than $25,000 AGI & business income**      2001             9              10          10          14            13
    Change in pct. returns with business income                 1998-01           1.8             0.6         0.7         1.5           1.3

1.3 Family income and earnings
   Ave. adj. gross income for IRS returns (000)**                  2001            24              69         66           50           54
    Pct real change in average AGI                              1998-01          13.5             -1.9       -1.0         1.9           0.7

   Ave. amount of salaries/wages for IRS returns (000)**           2001            23              60          57         45            48
    Pct real change in avg. salaries/wages                      1998-01          14.0             9.3         9.9         4.4           5.5


2.0 ASSETS
2.1 Level of family savings and percent of families that save
   % IRS returns with capital gains (Schedule D)*                  2001              3             13         13           10           11
    Change in percent returns with capital gains                1999-01           -0.8            -8.5       -7.9         -5.7         -6.2

   % IRS low-income returns with capital gains*                    2001             1                6          5            4            5
    Change in percent returns with capital gains                1999-01           0.0             -3.3       -2.9         -2.4         -2.5

   % IRS returns with taxable interest income**                    2001            19              50          48          47           47
    Change in percent returns with taxable interest             1998-01           0.5             0.3         0.6         -1.7         -1.1

   Ave. taxable interest on returns claiming interest **           2001           986           3,842       3,762       2,155         2,537
    Pct. real change in ave. taxable interest                   1998-01            1.3            -6.8        -6.5         3.3          -0.5

   % IRS returns w/<$25,000 AGI & taxable interest income**        2001              9             33          30          25           27
    Change in percent returns with taxable interest             1998-01           -1.1            2.6         2.5         -1.7         -0.6

   Ave. taxable interest on returns w/< $25,000 AGI **             2001           749           1,377       1,358       1,420         1,401
    Pct. real change in ave. taxable interest                   1998-01            0.8             0.3         0.9         3.7           2.8




Page 4 of 33                                                                                                               Revised 9/24/2004
CIVIC SITE AREA COMPARISONS — Atlanta, GA MSA
PART A2- CORE RESULTS INDICATORS, ZIP CODE LEVEL DATA SOURCES

                                                                                         Central County
                                                                            Civic Site                                               Total
                                                                                            Remaining      County
                                                                            Core Zip                                   Suburbs     Metro Area
                                                                                            Zip Codes       Total
                                                                             Codes
2.3 Eligible families filing for EITC and CDTC
   % estimated eligible IRS returns not filing for EITC***          2001             22              23          23          23            23

   % potentially-eligible returns who did not file for EITC*        2001             10              15          14           18           17
    Change in percent of potential EITC filers                   1999-01          -10.1           -14.0       -13.2        -16.9        -15.9

   Ave. EITC amount on returns filing for EITC*                     2001          1,997           1,854       1,880       1,735         1,773
    Pct. Change in ave. amount of EITC                           1999-01             0.3            -1.1        -0.9        -1.8          -1.7

2.4 Families access to reasonably priced housing, consumer goods & financial services
   % IRS returns with direct deposit*                               2001             58              37          38         40            39
    Change in percent returns with direct deposit                1999-01            9.0             7.7         7.6         9.7           9.2

   % IRS low-income returns with direct deposit*                    2001             63              48          49         44            45
    Change in pct. low-income returns w/direct deposit           1999-01            9.2             8.7         8.7         9.0           8.8

   Percent of IRS low-income return preparation by*                 2001
    Paid preparer                                                                    59              50          51          48            49
    Self-prepared                                                                    40              49          47          50            50
    Volunteer site                                                                    1               1           1           1             1

   Pct. of low-income filers with a Refund Anticipation Loan*       2001             51              30          33         24            26
    Change in pct. low-income returns with RAL                   1999-01            7.0             5.0         5.2         4.5           4.5


Source: * Internal Revenue Files from the Stakeholder Partnership Education and Communication Office
        ** Internal Revenue Service, Statistics of Income Division
       *** Internal Revenue Service Special Estimation of EITC eligible and ineligible households
See "Notes" worksheet for additional documentation about calculations and indicators.




Page 5 of 33                                                                                                                 Revised 9/24/2004
CIVIC SITE AREA COMPARISONS — Atlanta, GA MSA
PART A3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                         Central City                                Suburbs
                                                                       Other                                                                  Total
                                                                                  Remaining     City          Hi-poverty       Remaining
                                                   Civic Site Area   Hi-poverty                                                             Metro Area
                                                                                      tracts    Total           Neigh            tracts
                                                                       Neigh
Population
  Population (000)                         1980                19           131          270        421               31            1,781        2,233
                                           1990                17           114          259        390               30            2,540        2,960
                                           2000                17           116          282        415               33            3,664        4,112
   % change population                   1980-90              -10           -13            -4            -7            -2              43             33
                                         1990-00               -1             2             9             6             9              44             39

   % population under age 18               1980                32            32           24            27            31               30             30
                                           1990                33            31           20            24            29               26             26
                                           2000                33            30           18            22            31               27             27
   % change population under age 18      1980-90               -7           -16           -18           -17           -9               24             17
                                         1990-00                1            -2            -1            -1           16               49             42

   % population age 65 or over             1980                15            10           12            12            10                7             8
                                           1990                11            10           12            11            10                7             8
                                           2000                 8             9           10            10             8                7             8

   Males/100 females, age 16-34            1980                81            82          103         95               94              94            94
                                           1990                94            80          113        102               91              97            98
                                           2000                79            91          116        107              110             103           103

   % foreign-born                          1980                 1             1            3             2             1                2              2
                                           1990                 2             2            4             3             2                4              4
                                           2000                 5             6            7             7            12               11             10

   % pop age 5 and over in diff. house     1990                54            51           50            50            53               56             55
      5 years ago                          2000                52            57           56            56            60               55             55

Number of census tracts
  Total                                    2000                 9            39           69        117                    7         536           660

   With 60%+ non-Hisp. black pop.          2000                 8            36           32            76                 6           84          166
   With 60%+ Hispanic population           2000                 0             0            1             1                 0            1            2

   With population growth>=1%            1980-90                1             9           23            33                 0         395           428
                                         1990-00                3            21           47            71                 7         486           564

   With income growth>=5%                1980-90                3            12           42            57                 4         147           208
                                         1990-00                6            29           51            86                 4         432           522

Population by race/ethnicity
  % pop. black non-Hispanic                1980                91            88           53            66            55               13             24
                                           1990                91            91           54            67            66               18             25
                                           2000                85            87           49            61            70               25             29

   % pop. white non-Hispanic               1980                 8            11           44            32            43               85             74
                                           1990                 8             7           42            30            31               78             71
                                           2000                 9             7           43            32            17               64             60

   % pop. other race non-Hispanic          1980                 0             0            1             1                 1            1              1
                                           1990                 1             1            1             1                 1            2              2
                                           2000                 4             2            3             3                 1            4              4

   % pop. Hispanic                         1980                 1             1            2             1             1                1              1
                                           1990                 1             1            2             2             2                2              2
                                           2000                 2             4            5             4            11                7              6




    Page 6 of 33                                                                                                                    Revised 9/24/04
CIVIC SITE AREA COMPARISONS — Atlanta, GA MSA
PART A3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                      Central City                              Suburbs
                                                                    Other                                                                Total
                                                                               Remaining    City         Hi-poverty       Remaining
                                                Civic Site Area   Hi-poverty                                                           Metro Area
                                                                                   tracts   Total          Neigh            tracts
                                                                    Neigh
Households (000)                         1980                7            46          108       162              11              617          790
                                         1990                6            40          108       155              11              938        1,103
                                         2000                6            40          122       168              12            1,326        1,506

Household types
  % Married with children                1990                7             9           12           11           15               31             28
                                         2000                8             8           11           10           11               29             27
   % Single parent with children         1990               26            28           10           15           21                7              9
                                         2000               26            26            9           14           24                9             10
   % Other Family                        1990               28            28           30           30           31               36             35
                                         2000               23            26           27           27           27               34             33
   % Non-family                          1990               38            34           48           44           33               26             29
                                         2000               43            41           53           50           38               28             30

Home purchase mortgage borrowers by race/ethnicity*
  % White                             1997                  54            33           79           75           40               73             73
                                      2003                  32            40           73           67           47               60             60

   % African-American                    1997               42            59           17           21           49               18             19
                                         2003               61            51           19           25           39               25             25

   % Asian                               1997                0             2            1            1                1            3              3
                                         2003                1             2            2            2                4            4              4

   % Hispanic                            1997                3             3            1            1                8            2              2
                                         2003                1             2            2            2                4            7              6

   % Other                               1997                1             4            2            2                2            3              3
                                         2003                5             5            3            4                5            4              4

Income
   Pct. home purchase mortgage borrowers by income level *
    Low-income (<80% of HAMFI)           1997              36             62           26           29           69               33             32
                                         2003              36             45           28           30           54               47             45
    Moderate (80-120% of HAMFI)          1997               41            21           20           20           19               29             28
                                         2003               28            29           25           26           25               26             26
    High Income (120%+ of HAMFI)         1997               23            17           55           51           11               38             39
                                         2003               36            25           47           44           20               28             29

   Median Income of home purchase        1997               56            39           80           75            37              62           63
      borrowers (2003 $)*                2003               69            58           79           75          53.5              58         0.06
   % real change                      1997-03               23            49           -2            1            46              -6           -5

Employment and labor force
  Employment (000)                       1980                5            43          126       174              13              872        1,058
                                         1990                5            38          131       174              13            1,383        1,570
                                         2000                5            36          142       183              13            1,903        2,098

   % change employment                1980-90                1           -11            4           0                 0           59             48
                                      1990-00                1            -7            8           5                 0           38             34

   Unemployment rate                     1980               11            12            6            8           10                4             5
                                         1990               16            15            7            9           11                5             5
                                         2000               18            24           11           14           11                4             5

   % college graduates                   1980                4             7           27           21            8               20             20
                                         1990                7             7           35           27            9               26             26
                                         2000               13            10           43           35           11               32             32




    Page 7 of 33                                                                                                               Revised 9/24/04
CIVIC SITE AREA COMPARISONS — Atlanta, GA MSA
PART A3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                        Central City                              Suburbs
                                                                      Other                                                                Total
                                                                                 Remaining    City         Hi-poverty       Remaining
                                                  Civic Site Area   Hi-poverty                                                           Metro Area
                                                                                     tracts   Total          Neigh            tracts
                                                                      Neigh
Social risk factors
  % households public assistance           1980               32            23            9           14           14                5             7
                                           1990               30            25            8           14           16                4             5
                                           2000               29            22            8           12           16                4             5

   % pop.>25 no HS degree                  1980               70            57           31           40           52               33             34
                                           1990               56            47           23           30           42               20             21
                                           2000               43            39           17           23           38               15             16

   % fam.w/kids, fem. head                 1980               62            63           37           48           44               16             21
                                           1990               74            71           45           56           54               19             24
                                           2000               71            69           43           53           64               22             24

Risk Factor Indexes (Highest risk = 100)
   Combined                                2000               93            92           52           69           89               37             43
     Lack employment                       2000               84            90           47           64           77               30             36
     Receive public assistance             2000               93            87           51           66           83               36             42
     Lack HS degree                        2000               89            84           48           63           85               44             47
     Female headed family                  2000               96            91           65           76           94               46             52

   Poverty index                           2000               94            96           64           77           94               40             47

Isolation indicators
   % occupied HU w/phone                   1990               76            83           95           91           86               96             95
                                           2000               89            94           98           97           96               99             99

   % pop. age 18-64 who speak              1990                0             1            1           1                 1            1              1
   English not well or not at all          2000                4             4            3           3                 8            5              5

Housing conditions
  Occupied housing units (000)             1980                7            47          108       161              11              617          790
                                           1990                6            40          108       155              11              937        1,103
                                           2000                6            40          122       168              12            1,325        1,505

   Total rental units (000)                1980                6            36           61       103                   8         213           323
                                           1990                5            34           65       104                   8         369           481
                                           2000                5            32           67       103                   8         430           541

   Rental vacancy rate                     1980               10             7            7            7            7                8              8
                                           1990               13            14           16           15           15               14             15
                                           2000                8             7            8            7            6                6              7

   % housing units built before 1960       2000               53            42           46           45           44               10             15

   % HU overcrowded                        1980               10             8            4           5             7                3              4
                                           1990                9            11            4           6             8                3              3
                                           2000               15            13            5           7            13                5              5

   % units lacking plumbing facilities     1980                2             2            1           1                 2            2              2
                                           1990                2             1            0           1                 1            0              0
                                           2000                2             2            1           1                 1            0              0

HUD assisted as percent of 2000 occupied HU**

   Total                                   1998               30            33            8           15           11                2             3
   Public housing                          1998               18            13            2            5            5                0             1
   Assisted/insured private                1998               10            12            4            6            2                1             1
   Sec. 8 vouchers                         1998                3             7            3            4            4                1             1




    Page 8 of 33                                                                                                                 Revised 9/24/04
CIVIC SITE AREA COMPARISONS — Atlanta, GA MSA
PART A3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                                            Central City                                        Suburbs
                                                                                          Other                                                                       Total
                                                                                                     Remaining              City         Hi-poverty   Remaining
                                                                Civic Site Area         Hi-poverty                                                                  Metro Area
                                                                                                         tracts             Total          Neigh        tracts
                                                                                          Neigh
Home mortgage lending

Total number of home purchase mortgages originated*
                                         1997                                 157              574           5,223            5,955             259        78,356       84,570
                                         2000                                 321            1,299           7,512            9,132             331        95,459      104,921
                                         2003                                 486            1,675           8,031           10,192             484       114,034      124,710

     % change in number                             1997-00                   104              126               44                 53           28           22             24
                                                    2000-03                    51               29                7                 12           46           19             19

Total number of home purchase mortgages originated per 1,000 housing units*
                                         1997               21            12                                     40                 32           20           61             57
                                         2000               45            29                                     56                 49           26           69             66
                                         2003               69            38                                     59                 54           38           76             73

     Change in rate                                 1997-00                    23               16               16                 17            6            8             9
                                                    2000-03                    24                9                3                  5           12            7             7

Aggregate dollar value of home purchase mortgages originated (000)*
                                          1997          18,799                              45,264       971,140       1,035,203             20,958   10,652,458    11,708,619
                                          2000          41,816                             144,996     1,569,361       1,756,173             34,276   14,285,183    16,075,632
                                          2003          75,654                             237,185     1,679,807       1,992,646             61,006   17,701,282    19,754,934

     % change                                       1997-00                   122              220               62                 70           64           34             37
                                                    2000-03                    81               64                7                 13           78           24             23

Aggregate dollar value of home purchase mortgages originated per housing unit*

                                                        1997               2,566               978          7,382             5,591           1,650         8,308        7,911
                                                        2000               5,816             3,212         11,682             9,408           2,688        10,276       10,113
                                                        2003              10,724             5,388         12,250            10,588           4,763        11,816       11,627

     Change in rate                                 1997-00                3,250             2,234           4,300            3,817           1,037         1,968        2,202
                                                    2000-03                4,908             2,176             568            1,180           2,076         1,540        1,513

Note: Unless otherwise noted, the data is calculated from the Urban Institute's Neighborhood Change Database (NCDB) or the Decennial Census.
*    Home Mortgage Disclosure Act dataset, 1997-2003, compiled by the Urban Institute. Dollar amounts expressed as constant 2003 dollars.
**   A Picture of Subsidized Households in 1998, Dept. of Housing and Urban Development, compiled by the Urban Institute.
See "Notes" worksheet for additional documentation about calculations and indicators.




      Page 9 of 33                                                                                                                                         Revised 9/24/04
CIVIC SITE AREA COMPARISONS — Atlanta, GA MSA
PART A4 - CONTEXT INDICATORS, ZIP CODE LEVEL DATA SOURCES

                                                                                   Central County
                                                                    Civic Site                                                    Total
                                                                                     Remaining
                                                                    Core Zip                        County Total   Suburbs      Metro Area
                                                                                     Zip Codes
                                                                     Codes
Household and population**
   Total returns                                            2001        31,160          402,838         433,998    1,432,360    1,866,358
   Pct. change in total returns                          1998-01             -5                6               5           11           10

    Total exemptions                                        2001        60,701          743,623         804,324    3,050,051    3,854,375
    Pct. change in total exemptions                      1998-01             -5               12              10           20           18

    Total dependent exemptions                              2001        25,101          218,555         243,656    1,008,971    1,252,627
    Pct. change in dependent exemptions                  1998-01            -12                3               1           16           13

Pct of returns by AGI Ranges*
    Less than 10,000                                        2001             27               24              24          17            19
    10,000 to 19,999                                        2001             29               15              16          15            15
    20,000 to 29,999                                        2001             19               12              13          14            14
    30,000 to 49,999                                        2001             15               16              16          20            19
    50,000 to 99,999                                        2001              8               17              16          23            22
    Greater than 100,000                                    2001              2               16              15          10            11
Change in pct of returns by AGI Ranges*
   Less than 10,000                                      1999-01            -5.3             0.3            -0.2         -1.5          -1.3
   10,000 to 19,999                                      1999-01            -1.0            -1.4            -1.5         -0.9          -1.0
   20,000 to 29,999                                      1999-01             1.4            -0.8            -0.7         -0.3          -0.4
   30,000 to 49,999                                      1999-01             2.6             0.1             0.3          0.5           0.5
   50,000 to 99,999                                      1999-01             1.6             0.9             1.0          1.1           1.1
   Greater than 100,000                                  1999-01             0.8             0.9             1.0          1.2           1.1

Pct. of returns by Filing Status*
     Single                                                 2001             44               51              51          41            43
     Married-joint or widow(er)                             2001             11               26              25          39            36
     Married-separate                                       2001              1                5               4           2             3
     Head of household                                      2001             44               18              20          17            18

Change in pct. of returns by Filing Status*
   Single                                                1999-01             0.6              1.0            1.0         -1.2          -0.8
   Married-joint or widow(er)                            1999-01            -0.2              0.1            0.2          0.2           0.3
   Married-separate                                      1999-01            -0.1             -0.9           -0.8         -0.2          -0.3
   Head of household                                     1999-01            -0.2             -0.2           -0.4          1.2           0.8

Source: * Internal Revenue Files from the Stakeholder Partnership Education and Communication Office
        ** Internal Revenue Service, Statistics of Income Division
See "Notes" worksheet for additional documentation about calculations and indicators.




Page 10 of 33                                                                                                                   Revised 9/24/2004
CIVIC SITE SUB-NEIGHBORHOOD COMPARISONS — Atlanta, GA
PART B1 - CORE RESULTS INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                                                                       Civic Site Neighborhoods
                                                                   Civic Site
                                                 City Total
                                                                     Area
                                                                                 004400        004600    004800        004900        005501
1.0 EARNINGS AND INCOME
1.1 Parents and young adults employed
    % female age 16+ employed             1980                47            31            22        33            28            42            31
                                          1990                52            37            19        36            28            55            39
                                          2000                51            40            31        31            31            67            45

    % male age 16+ employed               1980                62            45            30        45            24            52            38
                                          1990                63            49            37        41            33            74            44
                                          2000                60            49            24        52            22            82            46

    % total pop. age 16+ employed         1980                54            37            25        39            27            46            34
                                          1990                57            42            26        39            30            65            41
                                          2000                55            44            28        40            28            74            45

    % of children, one or more            1990                73            58            37        58            50            67            58
     parents in labor force               2000                76            61            50        38            56            94            70

    % pop. age 16-19 employed             1990                84            70            63        77            70            72            64
     or in school                         2000                86            78            70        79            65            56            82

1.2 Parents in jobs providing family supporting wages, benefits, and career advancement opportunities
    % managerial/professional             1980                27            10            2          8             7            23             6
     employment                           1990                32            17            9         14             9            43            12
                                          2000                41            27            5         16            20            62            17

1.3 Family income and earnings
    Avg. family income (1999 $ 000)       1980                45            20            16        18            12            24            21
                                          1990                60            22            12        17            11            43            21
                                          2000                73            30            12        26            15            60            35

    % chg. avg. income                 1980-90                32             9        -25           -9            -8            76            -3
      (1999 $ 000)                     1990-00                23            34         -4           58            29            39            70

    % persons in poverty                  1980                28            51            68        61            74            30            50
                                          1990                27            53            75        65            69            38            51
                                          2000                25            44            68        54            65            20            39

    % children (<age 18) in poverty       1990                43            64            87        71            75            47            66
                                          2000                39            57            71        62            76            40            53

    % fam.w/children in poverty           1980                33            60            79        57            85            39            55
                                          1990                37            60            88        60            75            41            60
                                          2000                32            50            72        54            64            28            47

    % persons < 200% of poverty           1990                47            78            88        87            91            58            81
                                          2000                44            69            93        78            89            36            64

1.4 Stable labor force attachment of parents
    % of employed working 35+ hrs/wk      1990                62            52            52        35            29            55            54
      & 40+wks/yr in 1999                 2000                65            62            36        57            41            77            64




    Page 11 of 33                                                                                                      Revised 9/24/2004
CIVIC SITE SUB-NEIGHBORHOOD COMPARISONS — Atlanta, GA
PART B1 - CORE RESULTS INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                                                                                Civic Site Neighborhoods
                                                                      Civic Site
                                                    City Total
                                                                        Area
                                                                                       004400        004600       004800        004900        005501
2.0 ASSETS
2.1 Level of family savings and percent of families that save
    % HH with interest, dividends           1980            25.3              6.3           3.6           0.0          1.3           12.9           5.0
       or net rental income                 1990              27                7             1             5            0             30             6
                                            2000              27                9             3             5            1             32             9

    Avg. interest/dividend/rental           1980                 12                3            1          0               3              1             1
    income (1999 $ 000)                     1990                 19                2            2          3               0              2             3
                                            2000                 21                4            2         13               1              3            12

2.2 Families that own their own homes and other assets such as cars
    Homeownership rate                      1980                 41            23               5          5               4             31            27
                                            1990                 43            26               7          5               2             45            31
                                            2000                 43            29               8         10               5             67            32

    Homeownership rate for poor HH          2000                 18            12               5             0            4             22            18

    Homeownership rate                      2000                 38            18               4         12               7             57            18
     for families with children

    Average value owner occ.                1990            165               64                38        49            60           114               53
     single-family units (2000$,000)        2000            241              117                61       129           149           198               99
       % real change                     1990-00             46               83                60       165           150            73               89

    Median value purchase loans*            1997            133              117             89          112           116           128             60
      (2003$ 000)                           2000            152              121            137          140           159           179            124
                                            2003            153              150            141          137           142           168            170
       % real change                     1997-00                 14             3               53        25            37               40         106
                                         2000-03                  1            24                3        -2           -11               -7          37

    % households w/vehicle                  1990                 71            41               25        26               21            65            42
                                            2000                 76            49               26        25               30            77            56

2.3 Eligible families filing for EITC and CDTC - Not available

2.4 Families access to reasonably priced housing, consumer goods and financial services
    % households paying                     1990                 38            44               30        48               32            32            45
       >30% income for housing              2000                 36            40               35        37               41            36            34
    % households paying                     2000                 18            21               19        21               20            19            16
       >50% income for housing

    % renter households paying              1990                 45            46               30        49               31            36            51
       >30% income for housing              2000                 41            44               37        37               41            53            35
    % renter households paying              2000                 21            24               19        22               20            28            18
       >50% income for housing

    % owner households paying               1990                 27            38               32        29           100               27            32
       >30% income for housing              2000                 29            31               19        38            42               27            32
    % owner households paying               2000                 13            13               19        16               19            14            13
       >50% income for housing

    Avg. gross rent for HH paying           1990            573              363            227          316           186           419            458
     cash rent (2000 $ 000)                 2000            653              384            230          275           254           537            433
      % real change                      1990-00             14                6              1          -13            37            28             -5




    Page 12 of 33                                                                                                               Revised 9/24/2004
CIVIC SITE SUB-NEIGHBORHOOD COMPARISONS — Atlanta, GA
PART B1 - CORE RESULTS INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                                                                                                        Civic Site Neighborhoods
                                                                                            Civic Site
                                                                        City Total
                                                                                              Area
                                                                                                             004400        004600      004800           004900        005501
2.4 Families access to reasonably priced housing, consumer goods and financial services
     Denial rates for home purchase                          1997                     16             26               33         0                38             11            35
      mortgage applications*                                 2000                     20             29               13        19                 0             17            31
                                                             2003                     22             31               30        10                25             22            36
         % point change                                 1997-00                        3                 3        -20           19                -38             5            -4
                                                        2000-03                        3                 2         16           -9                 25             6             5

     Pct. of refinance mortgages                             1997                     33             50               50        50                 0             25            71
       from subprime lenders*                                2000                     34             34                0        33                 0             39            38
                                                             2002                     14             22               18        14                50             10            27
         % point change                                 1997-00                         0           -17           -50           -17                0           14           -33
                                                        2000-02                       -19           -12            18           -19               50          -29           -12

     Pct. of purchase mortgages                              1997                     10             15                0         0                 0             10            13
       from subprime lenders*                                2000                     11             16               18        18                25              8            22
                                                             2002                     13             20                0        20                 0             11            16
         % point change                                 1997-00                        1                 1         18           18                25             -2            10
                                                        2000-02                        2                 5        -18            2                 0              3            -7

2.5 Families with payment related disruptions in housing status and living conditions - Not available

3.0 CIVIC PARTICIPATION - Not available

4.0 SOCIAL NETWORKS - Not available

5.0 SERVICES AND SUPPORTS - Not available

6.0 CHILD HEALTH AND READINESS TO SUCCEED IN SCHOOL
6.1 Pregnant women receiving prenatal care in first trimester
     % births with prenatal care**                   1995/97                          na             na               na        na                na             na            na
      in first trimester                             1998/00                          na             na               na        na                na             na            na
        % point change                               1995-00                          na             na               na        na                na             na            na

6.2 Children born with low birthweight
     % births with low birthweight**                 1995/97                          na             na               na        na                na             na            na
                                                     1998/00                          na             na               na        na                na             na            na
         % point change                              1995-00                          na             na               na        na                na             na            na

6.3 Children born to teenage mothers
     Teen birth rate (age 15-19)**                   1995/97                          na             na               na        na                na             na            na
                                                     1998/00                          na             na               na        na                na             na            na
         % point change                              1995-00                          na             na               na        na                na             na            na

6.4 Children covered by health insurance - Not available

6.5 Children entering school with strengths, skills and good health that enable them to learn - Not available

6.6 Children with developmentally appropriate pre-school experience
     % pop age 3-5 in preschool                              2000                     93             85               70       100                93         100               96
       or kindergarten                                                                                                                                         0                0

6.7 Parents involved in their childrens' school - Not available
Sources: Unless otherwise noted, the data is calculated from the Urban Institute's Neighborhood Change Database (NCDB) or the Decennial Census.
   * Home Mortgage Disclosure Act dataset, 1997-2003, compiled by the Urban Institute. Dollar amounts expressed as constant 2002 dollars.
  ** Local administrative vital statistics files as compiled by the Urban Institute
     See "Notes" worksheet for additional documentation about calculations and indicators.




     Page 13 of 33                                                                                                                                      Revised 9/24/2004
CIVIC SITE SUB-NEIGHBORHOOD COMPARISON
PART B1 - CORE RESULTS INDICATORS, CENS

                                                  s


                                                      005600    005700    005800    006300
1.0 EARNINGS AND INCOME
1.1 Parents and young adults employed
    % female age 16+ employed             1980             29        23        41        35
                                          1990             36        32        54        39
                                          2000             39        23        42        39

    % male age 16+ employed               1980             51        54        58        46
                                          1990             39        54        51        45
                                          2000             31        46        58        50

    % total pop. age 16+ employed         1980             40        35        49        40
                                          1990             37        43        53        42
                                          2000             36        34        51        43

    % of children, one or more            1990             59        61        88        56
     parents in labor force               2000             43        67        73        65

    % pop. age 16-19 employed             1990             73        64        80        72
     or in school                         2000             95        72        89        89

1.2 Parents in jobs providing family supporting
    % managerial/professional             1980              5        15        11         5
     employment                           1990              4         9        14        10
                                          2000             15         9        22        18

1.3 Family income and earnings
    Avg. family income (1999 $ 000)       1980             21        18        31        23
                                          1990             20        24        27        29
                                          2000             24        26        42        25

    % chg. avg. income                 1980-90             -6        38       -14        27
      (1999 $ 000)                     1990-00             22         5        55       -14

    % persons in poverty                  1980             55        52        27        45
                                          1990             58        47        34        40
                                          2000             46        38        28        43

    % children (<age 18) in poverty       1990             54        61        35        51
                                          2000             62        45        36        54

    % fam.w/children in poverty           1980             58        54        34        54
                                          1990             52        55        36        42
                                          2000             50        50        32        39

    % persons < 200% of poverty           1990             86        79        65        68
                                          2000             70        74        52        71

1.4 Stable labor force attachment of parents
    % of employed working 35+ hrs/wk      1990             51        44        65        60
      & 40+wks/yr in 1999                 2000             58        60        69        65




    Page 14 of 33                                                                             Revised 9/24/2004
CIVIC SITE SUB-NEIGHBORHOOD COMPARISON
PART B1 - CORE RESULTS INDICATORS, CENS

                                                   s


                                                       005600       005700       005800       006300
2.0 ASSETS
2.1 Level of family savings and percent of famili
    % HH with interest, dividends           1980           0.0          6.9         17.6          7.8
       or net rental income                 1990             1            4            4            6
                                            2000             4            2            9            6

    Avg. interest/dividend/rental           1980                0            2            4            7
    income (1999 $ 000)                     1990                2            1            2            2
                                            2000                2            0            5            1

2.2 Families that own their own homes and othe
    Homeownership rate                      1980            15           34           40           41
                                            1990            15           26           49           40
                                            2000            22           24           43           39

    Homeownership rate for poor HH          2000                4        19           28           34

    Homeownership rate                      2000                6        17           42           23
     for families with children

    Average value owner occ.                1990            51           37           58           45
     single-family units (2000$,000)        2000            70           42           76           49
       % real change                     1990-00            37           15           31           10

    Median value purchase loans*            1997            93           53           76           56
      (2003$ 000)                           2000           130           77           83           73
                                            2003           225          124          146          131
       % real change                     1997-00            40           46           10           31
                                         2000-03            73           61           75           80

    % households w/vehicle                  1990            36           41           66           47
                                            2000            41           37           77           60

2.3 Eligible families filing for EITC and CDTC - N

2.4 Families access to reasonably priced housin
    % households paying                     1990            62           45           53           56
       >30% income for housing              2000            45           38           43           51
    % households paying                     2000            26           18           20           28
       >50% income for housing

    % renter households paying              1990            67           43           60           61
       >30% income for housing              2000            52           41           49           57
    % renter households paying              2000            33           20           26           33
       >50% income for housing

    % owner households paying               1990            30           51           44           48
       >30% income for housing              2000            23           26           33           41
    % owner households paying               2000                0        13           10           20
       >50% income for housing

    Avg. gross rent for HH paying           1990           424          403          614          452
     cash rent (2000 $ 000)                 2000           427          422          611          539
      % real change                      1990-00             1            5           -1           19




    Page 15 of 33                                                                                          Revised 9/24/2004
CIVIC SITE SUB-NEIGHBORHOOD COMPARISON
PART B1 - CORE RESULTS INDICATORS, CENS

                                                                     s


                                                                         005600       005700    005800    006300
2.4 Families access to reasonably priced housin
     Denial rates for home purchase                           1997            50           20        69        30
      mortgage applications*                                  2000            52           38        33        35
                                                              2003            38           36        34        37
          % point change                                 1997-00               2           18       -35            4
                                                         2000-03             -14           -3         1            2

     Pct. of refinance mortgages                              1997            71           81        62        50
       from subprime lenders*                                 2000            40           26        44        20
                                                              2002            30           28        23        39
          % point change                                 1997-00             -31          -55       -18       -30
                                                         2000-02             -10            2       -21        19

     Pct. of purchase mortgages                               1997             0           87        33        23
       from subprime lenders*                                 2000             8           17        26        16
                                                              2002            17           55        26        33
          % point change                                 1997-00                  8       -70        -7        -7
                                                         2000-02                  9        38        -1        16

2.5 Families with payment related disruptions in

3.0 CIVIC PARTICIPATION - Not available

4.0 SOCIAL NETWORKS - Not available

5.0 SERVICES AND SUPPORTS - Not available

6.0 CHILD HEALTH AND READINESS TO SUCCE
6.1 Pregnant women receiving prenatal care in f
     % births with prenatal care**                    1995/97                 na           na        na        na
      in first trimester                              1998/00                 na           na        na        na
        % point change                                1995-00                 na           na        na        na

6.2 Children born with low birthweight
     % births with low birthweight**                  1995/97                 na           na        na        na
                                                      1998/00                 na           na        na        na
          % point change                              1995-00                 na           na        na        na

6.3 Children born to teenage mothers
     Teen birth rate (age 15-19)**                    1995/97                 na           na        na        na
                                                      1998/00                 na           na        na        na
          % point change                              1995-00                 na           na        na        na

6.4 Children covered by health insurance - Not a

6.5 Children entering school with strengths, skil

6.6 Children with developmentally appropriate p
     % pop age 3-5 in preschool                               2000            92           81        44        62
       or kindergarten                                                         0            0         0         0

6.7 Parents involved in their childrens' school -
Sources: Unless otherwise noted, the data is calculated from the
   * Home Mortgage Disclosure Act dataset, 1997-2003, compile
   ** Local administrative vital statistics files as compiled by the U
     See "Notes" worksheet for additional documentation about c




      Page 16 of 33                                                                                                    Revised 9/24/2004
CIVIC SITE ZIP CODE COMPARISONS — Atlanta, GA
PART B2- CORE RESULTS INDICATORS, ZIP CODE LEVEL DATA SOURCES

                                                                          Central            Core               Core Zip Codes
                                                                          County          Zip Codes     30310       30312      30315
1.1 Parents and young adults employed

   Pct returns with salaries and wages**                           2001          82               93         93          94        94
    Change in pct. returns with salaries/wages                  1998-01         -3.1             -0.9       -1.4        -0.5      -0.6

   Pct returns with less than $25,000 AGI & salaries/wages**       2001          72               92         91          92        93
    Change in pct. returns with salaries/wages                  1998-01         -8.0             -1.6       -2.0        -1.9      -0.9

   Pct returns with business income (Schedule C)**                 2001          13               10          9          13          8
    Change in pct. returns with business income                 1998-01         0.1              1.5        1.3         1.7        1.2

   Pct returns with less than $25,000 AGI & business income**      2001              10            9          8           12         8
    Change in pct. returns with business income                 1998-01             0.7          1.8        1.7          3.0       1.3

1.3 Family income and earnings
   Ave. adj. gross income for IRS returns (000)**                  2001          66               24         22          33         21
    Pct real change in average AGI                              1998-01         -1.0            13.5        6.8        23.9        9.4

   Ave. amount of salaries/wages for IRS returns**                 2001              57           23         21          32         20
    Pct real change in avg. salaries/wages                      1998-01             9.9         14.0        6.2        27.1        9.0


2.0 ASSETS
2.1 Level of family savings and percent of families that save
   % IRS returns with capital gains (Schedule D)*                  2001          13                 3          2           6         2
    Change in percent returns with capital gains                1999-01         -7.9             -0.8       -0.7        -2.6      -0.1

   % IRS low-income returns with capital gains*                    2001            5               1          1            1         1
    Change in percent returns with capital gains                1999-01         -2.9             0.0        0.1         -0.3       0.0

   % IRS returns with taxable interest income**                    2001              48           19         17           28       15
    Change in percent returns with taxable interest             1998-01             0.6          0.5        -0.5         3.4      -0.6

   Ave. taxable interest on returns claiming interest**            2001       3,762              986      1,028         903      1,033
    Pct. real change in ave. taxable interest                   1998-01         -6.5              1.3       -0.4         5.3        2.9

   % IRS returns w/<$25,000 AGI & taxable interest income**        2001              30             9        10          11          8
    Change in percent returns with taxable interest             1998-01             2.5          -1.1       -1.0        -0.9      -1.4

   Ave. taxable interest on returns w/< $25,000 AGI**              2001       1,358              749        800         711       709
    Pct. real change in ave. taxable interest                   1998-01          0.9              0.8       -2.0         9.1      -0.2




Page 17 of 33                                                                                                            Revised 9/24/2004
CIVIC SITE ZIP CODE COMPARISONS — Atlanta, GA
PART B2- CORE RESULTS INDICATORS, ZIP CODE LEVEL DATA SOURCES

                                                                             Central            Core               Core Zip Codes
                                                                             County          Zip Codes     30310       30312      30315
2.3 Eligible families filing for EITC and CDTC
   % estimated eligible IRS returns not filing for EITC***          2001               23            22            22       24            21

   % potentially-eligible returns who did not file for EITC*        2001             14               10         11           9         9
    Change in percent of potential EITC filers                   1999-01          -13.2            -10.1      -11.4        -7.9      -9.9

   Ave. EITC amount on returns filing for EITC*                     2001         1,880            1,997      1,954       1,958      2,051
    Pct. Change in ave. amount of EITC                           1999-01           -0.9              0.3        0.4        -0.1        0.3

2.4 Families access to reasonably priced housing, consumer goods & financial services
   % IRS returns with direct deposit*                               2001                38           58         57          54        61
    Change in percent returns with direct deposit                1999-01               7.6          9.0        8.5          8.5       9.9

   % IRS low-income returns with direct deposit*                    2001                49           63         61          62        66
    Change in pct. low-income returns w/direct deposit           1999-01               8.7          9.2        8.6          9.9       9.3

   Percent of IRS low-income return preparation by*                 2001
    Paid preparer                                                                      51            59            57       55            63
    Self-prepared                                                                      47            40            41       44            36
    Volunteer site                                                                      1             1             1        1             1

   Pct. of low-income filers with a Refund Anticipation Loan*       2001                33           51         49          47        55
    Change in pct. low-income returns with RAL                   1999-01               5.2          7.0        6.7          6.7       7.3


Source: * Internal Revenue Files from the Stakeholder Partnership Education and Communication Office
        ** Internal Revenue Service, Statistics of Income Division
       *** Internal Revenue Service Special Estimation of EITC eligible and ineligible households
See "Notes" worksheet for additional documentation about calculations and indicators.




Page 18 of 33                                                                                                               Revised 9/24/2004
CIVIC SITE SUB-NEIGHBORHOOD COMPARISONS — Atlanta, GA
PART B3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                                                                                Civic Site Neighborhoods
                                                                     Civic Site
                                                   City Total
                                                                       Area
                                                                                      004400        004600        004800        004900        005501
Population
  Population (000)                         1980            421                19                3            1              2             2             3
                                           1990            390                17                2            1              2             2             3
                                           2000            415                17                2            1              2             2             2
   % change population                   1980-90                -7           -10           -20               -5             4            -2          -12
                                         1990-00                 6            -1           -18               -5            15             1          -10

   % population under age 18               1980                 27            32               38        28                43            18            32
                                           1990                 24            33               41        39                44            23            35
                                           2000                 22            33               42        34                40            21            36
   % change population under age 18      1980-90            -17               -7           -13            33               5             20            -4
                                         1990-00             -1                1           -16           -17               4             -6            -7

   % population age 65 or over             1980                 12            15               12        13                9             22            16
                                           1990                 11            11               10        12                5              9            12
                                           2000                 10             8                6         8                2              6             7

   Males/100 females, age 16-34            1980             95                81               53        91                57        103           101
                                           1990            102                94               64        90                56        119           124
                                           2000            107                79               53        65                61         84            86

   % foreign-born                          1980                 2                 1             1         0                 5             4             0
                                           1990                 3                 2             2         0                 0             3             4
                                           2000                 7                 5             0        20                 0             4             1

   % pop age 5 and over in diff. house     1990                 50            54               53        55                73            66            51
      5 years ago                          2000                 56            52               53        59                62            61            48

Number of census tracts
  Total                                    2000            117                    9             1            1              1             1             1

   With 60%+ non-Hisp. black pop.          2000                 76                8            1             1             1             0             1
   With 60%+ Hispanic population           2000                  1                0            0             0             0             0             0

   With population growth>=1%            1980-90                33                1            0             0             1             0             0
                                         1990-00                71                3            0             0             1             0             0

   With income growth>=5%                1980-90                57                3            0             0             0             1             0
                                         1990-00                86                6            0             1             1             1             1

Population by race/ethnicity
  % pop. black non-Hispanic                1980                 66            91               98       100                94            54        100
                                           1990                 67            91               96        98                98            56         92
                                           2000                 61            85               95        76                95            49         94

   % pop. white non-Hispanic               1980                 32                8            1             0             4             40            0
                                           1990                 30                8            4             1             2             42            2
                                           2000                 32                9            4             8             3             46            5

   % pop. other race non-Hispanic          1980                 1                 0            0          0                1             1             0
                                           1990                 1                 1            0          0                0             0             3
                                           2000                 3                 4            0         16                1             1             0

   % pop. Hispanic                         1980                 1                 1            1             0             1             5             0
                                           1990                 2                 1            1             1             0             1             3
                                           2000                 4                 2            0             1             1             3             1




    Page 19 of 33                                                                                                                Revised 9/24/2004
CIVIC SITE SUB-NEIGHBORHOOD COMPARISONS — Atlanta, GA
PART B3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                                                                             Civic Site Neighborhoods
                                                                   Civic Site
                                                 City Total
                                                                     Area
                                                                                    004400        004600       004800        004900        005501
Households (000)                         1980          161.8               7.1           1.0           0.6          0.7            0.9            1.1
                                         1990          154.8               6.2           0.8           0.5          0.7            0.8            0.9
                                         2000          168.0               6.2           0.6           0.5          0.9            1.0            0.8

Household types
  % Married with children                1990                 11                7            5             4             6            10             8
                                         2000                 10                8            2             6             4             7            10
   % Single parent with children         1990                 15            26               39        27               45            15            27
                                         2000                 14            26               41        28               40            13            28
   % Other Family                        1990                 30            28               18        18               22            26            41
                                         2000                 27            23               16         8               12            25            32
   % Non-family                          1990                 44            38               39        51               26            49            25
                                         2000                 50            43               41        58               44            54            31

Home purchase mortgage borrowers by race/ethnicity*
  % White                             1997                    75            54               50         0               50            61             0
                                      2003                    67            32               20        23               13            50            19

   % African-American                    1997                 21            42               50         0               25            37        100
                                         2003                 25            61               80        77               88            41         73

   % Asian                               1997                 1                 0            0             0            0             0             0
   Median value purchase loans*          2003                 2                 1            0             0            0             1             0

   % Hispanic                            2003                 1                 3            0        100               25             1             0
                                         2003                 2                 1            0          0                0             1             3

   % Other                            2000-03                 2                 1             0            0             0             1             0
                                         2003                 4                 5             0            0             0             7             6

Income
   Pct. home purchase mortgage borrowers by income level *
    Low-income (<80% of HAMFI)           1997              29               36                0       100               33            30        100
                                         2003              30               36               50        43               13            31         33
    Moderate (80-120% of HAMFI)          1997                 20            41               50         0               50            45             0
                                         2003                 26            28                0        27               25            26            25
    High Income (120%+ of HAMFI)         1997                 51            23               50         0               17            25             0
                                         2003                 44            36               50        30               63            44            41

   Median Income of home purchase        1997                 75            56            78           41               61            58         24
      borrowers (2003 $)*                2003                 75            69           100           65               84            73         72
   % real change                      1997-03                  1            23            28           56               38            25        199

Employment and labor force
  Employment (000)                       1980            174                    5            0             0            0              1             1
                                         1990            174                    5            0             0            0              1             1
                                         2000            183                    5            0             0            0              1             1

   % change employment                1980-90                 0                 1        -19           -18              12            33             2
                                      1990-00                 5                 1        -14             3              17            14            -3

   Unemployment rate                     1980                  8            11               16        16               13            9             14
                                         1990                  9            16               20        24               33            8             14
                                         2000                 14            18               34        17               33            3             14

   % college graduates                   1980                 21             4               2             0            3             11            0
                                         1990                 27             7               2             2            3             32            4
                                         2000                 35            13               0             7            7             54            6




    Page 20 of 33                                                                                                             Revised 9/24/2004
CIVIC SITE SUB-NEIGHBORHOOD COMPARISONS — Atlanta, GA
PART B3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                                                                                Civic Site Neighborhoods
                                                                      Civic Site
                                                    City Total
                                                                        Area
                                                                                       004400        004600       004800        004900        005501
Social risk factors
  % households public assistance             2003                14            32               52        24               43            24            34
                                             1990                14            30               57        32               51            10            31
                                             2000                12            29               43        36               39             9            29
                                         2000-03
   % pop.>25 no HS degree                    1980                40            70               78        74               68            64            72
                                             1990                30            56               61        62               62            34            57
                                             2000                23            43               47        62               50            17            43

   % fam.w/kids, fem. head                  1980                 48            62               89        67               84            42            58
                                            1990                 56            74               91        79               88            59            70
                                            2000                 53            71               93        68               84            54            68

Risk Factor Indexes (Highest risk = 100)
   Combined                                 2000                 69            93           100           99           100               58            97
     Lack employment                        2000                 64            84            99           95            99                8            89
     Receive public assistance              2000                 66            93            99           98            99               68            96
     Lack HS degree                         2000                 63            89            93           98            94               52            91
     Female headed family                   2000                 76            96           100           97            99               91            97

   Poverty index                            2000                 77            94           100           99           100               79            95

Isolation indicators
   % occupied HU w/phone                    1990                 91            76               72        71               61            90            70
                                            2000                 97            89               87        88               86            98            87

   % pop. age 18-64 who speak               1990                 1                 0            0          0               0             0              1
   English not well or not at all           2000                 3                 4            1         14               0             0              1

Housing conditions
  Occupied housing units (000)              1980          161.4               7.1           0.9           0.5          0.7            0.9            1.1
                                            1990          154.6               6.1           0.7           0.5          0.7            0.8            0.9
                                            2000          167.9               6.3           0.7           0.5          0.9            0.9            0.8

   Total rental units (000)                 1980          103.1               6.1           1.0           0.6          0.8            0.7            0.9
                                            1990          104.2               5.3           0.8           0.6          0.7            0.5            0.7
                                            2000          103.0               4.8           0.6           0.5          0.9            0.3            0.6

   Rental vacancy rate                      1980                  7            10               10         6               5             11             8
                                            1990                 15            13               13        19               4             13            18
                                            2000                  7             8                7         2               3              9             7

   % housing units built before 1960        2000                 45            53               38        34               51            52            51

   % HU overcrowded                         1980                 5             10               10        10                8            6             15
                                            1990                 6              9                8        16               14            4             10
                                            2000                 7             15               16        19               18            6             16

   % units lacking plumbing facilities      1980                 1                 2            4             8            3             2              1
                                            1990                 1                 2            3             2            2             0              4
                                            2000                 1                 2            3             3            1             2              2

HUD assisted as percent of 2000 occupied HU**

   Total                                    1998                 15            30               48        38               83            11            28
   Public housing                           1998                  5            18               48         0               73            11             1
   Assisted/insured private                 1998                  6            10                0        34                9             0            17
   Sec. 8 vouchers                          1998                  4             3                0         5                0             0            10




    Page 21 of 33                                                                                                                Revised 9/24/2004
CIVIC SITE SUB-NEIGHBORHOOD COMPARISONS — Atlanta, GA
PART B3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                                                                                                      Civic Site Neighborhoods
                                                                                        Civic Site
                                                                   City Total
                                                                                          Area
                                                                                                       004400           004600          004800        004900        005501
Home mortgage lending

Total number of home purchase mortgages originated*
                                         1997                              5,955               157                4              1               6         105               12
                                         2000                              9,132               321               15             23               8          95               58
                                         2003                             10,192               486               13             35               8         148               94

     % change in number                             1997-00                     53             104             275          2,200                33         -10          383
                                                    2000-03                     12              51             -13             52                 0          56           62

Total number of home purchase mortgages originated/1,000 housing units*
                                         1997              32                                    21               5              2               7         109            12
                                         2000              49                                    45              20             42               8          97            61
                                         2003              54                                    69              18             66               8         149           108

     Change in rate                                 1997-00                     17               23              15             40                2         -12              49
                                                    2000-03                      5               24              -2             24               -1          52              48

Aggregate dollar value of home purchase mortgages originated (2003$ 000)*
                                          1997       1,035,203        18,799                                   365            112           1,546       13,780           667
                                          2000       1,756,173        41,816                                 2,167          3,371           1,173       17,153         7,399
                                          2003       1,992,646        75,654                                 1,896          4,345           1,153       24,893        16,619

     % change                                       1997-00                     70             122             494          2,899               -24            24      1,009
                                                    2000-03                     13              81             -12             29                -2            45        125

Aggregate dollar value of home purchase mortgages originated per housing unit *

                                                        1997               5,591             2,566             460            200           1,696       14,269           641
                                                        2000               9,408             5,816           2,885          6,162           1,203       17,485         7,755
                                                        2003              10,588            10,724           2,671          8,172           1,110       24,985        19,162

     Change in rate                                 1997-00                3,817             3,250           2,425          5,962              -492       3,216        7,114
                                                    2000-03                1,180             4,908            -214          2,010               -93       7,500       11,407

Note: Unless otherwise noted, the data is calculated from the Urban Institute's Neighborhood Change Database (NCDB) or the Decennial Census.
*    Home Mortgage Disclosure Act dataset, 1997-2003, compiled by the Urban Institute. Dollar amounts expressed as constant 2003 dollars.
**   A Picture of Subsidized Households in 1998, Dept. of Housing and Urban Development, compiled by the Urban Institute.
See "Notes" worksheet for additional documentation about calculations and indicators.




      Page 22 of 33                                                                                                                                    Revised 9/24/2004
CIVIC SITE SUB-NEIGHBORHOOD COMPARISONS — Atlanta, GA
PART B3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL DATA SOURCE

                                                                                      s
                                                                     Civic Site
                                                   City Total
                                                                       Area
                                                                                          005600       005700       005800       006300
Population
  Population (000)                         1980            421                19                   2            2            2            3
                                           1990            390                17                   2            2            2            2
                                           2000            415                17                   2            1            2            2
   % change population                   1980-90                -7           -10              -14           -4          -10          -20
                                         1990-00                 6            -1                9          -10           25          -10

   % population under age 18               1980                 27            32               35           30           29           30
                                           1990                 24            33               30           28           33           23
                                           2000                 22            33               33           40           25           32
   % change population under age 18      1980-90            -17               -7              -24          -12            0          -39
                                         1990-00             -1                1               20           29           -5           27

   % population age 65 or over             1980                 12            15               10           19           11           18
                                           1990                 11            11               16           14            7           18
                                           2000                 10             8               11            8            9           15

   Males/100 females, age 16-34            1980             95                81              110           50           88          101
                                           1990            102                94               92          113          115          100
                                           2000            107                79               75           77          151           71

   % foreign-born                          1980                 2                 1                1            0         0               1
                                           1990                 3                 2                1            0         0               1
                                           2000                 7                 5                5            0        21               0

   % pop age 5 and over in diff. house     1990                 50            54               54           52           41           39
      5 years ago                          2000                 56            52               47           44           46           44

Number of census tracts
  Total                                    2000            117                    9                1            1            1            1

   With 60%+ non-Hisp. black pop.          2000                 76                8                1            1            1            1
   With 60%+ Hispanic population           2000                  1                0                0            0            0            0

   With population growth>=1%            1980-90                33                1                0            0            0            0
                                         1990-00                71                3                1            0            1            0

   With income growth>=5%                1980-90                57                3                0            1            0            1
                                         1990-00                86                6                1            0            1            0

Population by race/ethnicity
  % pop. black non-Hispanic                1980                 66            91               95           97           80           95
                                           1990                 67            91               94           95           92           99
                                           2000                 61            85               93           99           71           98

   % pop. white non-Hispanic               1980                 32                8                4            2        20               5
                                           1990                 30                8                4            4         7               0
                                           2000                 32                9                2            0         8               0

   % pop. other race non-Hispanic          1980                 1                 0                0            0         0               0
                                           1990                 1                 1                0            0         1               0
                                           2000                 3                 4                0            0        20               0

   % pop. Hispanic                         1980                 1                 1                1            1            0            0
                                           1990                 2                 1                1            1            0            0
                                           2000                 4                 2                5            1            2            2




    Page 23 of 33                                                                                                                             Revised 9/24/2004
CIVIC SITE SUB-NEIGHBORHOOD COMPARISONS — Atlanta, GA
PART B3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL DATA SOURCE

                                                                                    s
                                                                   Civic Site
                                                 City Total
                                                                     Area
                                                                                        005600       005700       005800       006300
Households (000)                         1980          161.8               7.1              0.6          0.7          0.6          0.9
                                         1990          154.8               6.2              0.5          0.6          0.6          0.9
                                         2000          168.0               6.2              0.6          0.5          0.7          0.7

Household types
  % Married with children                1990                 11                7                5         9           10               6
                                         2000                 10                8                4        12           16               8
   % Single parent with children         1990                 15            26               26           21           24           14
                                         2000                 14            26               25           30           14           21
   % Other Family                        1990                 30            28               28           29           32           35
                                         2000                 27            23               28           23           35           27
   % Non-family                          1990                 44            38               41           40           34           45
                                         2000                 50            43               42           35           35           44

Home purchase mortgage borrowers by race/ethnicity*
  % White                             1997                    75            54               50            8           25           60
                                      2003                    67            32               45           24           29           18

   % African-American                    1997                 21            42               50           75           75           40
                                         2003                 25            61               36           59           63           82

   % Asian                               1997                 1                 0             0               0            0            0
   Median value purchase loans*          2003                 2                 1            18               0            3            0

   % Hispanic                            2003                 1                 3                0        17               0            0
                                         2003                 2                 1                0         6               0            0

   % Other                            2000-03                 2                 1                0         0               0            0
                                         2003                 4                 5                0        12               5            0

Income
   Pct. home purchase mortgage borrowers by income level *
    Low-income (<80% of HAMFI)           1997              29               36               25           30           60           55
                                         2003              30               36                8           63           38           46
    Moderate (80-120% of HAMFI)          1997                 20            41               25           67           20           27
                                         2003                 26            28               31           32           29           40
    High Income (120%+ of HAMFI)         1997                 51            23               50               3        20           18
                                         2003                 44            36               62               5        33           13

   Median Income of home purchase        1997                 75            56               63           58           37           48
      borrowers (2003 $)*                2003                 75            69               91           49           70           57
   % real change                      1997-03                  1            23               46          -15           91           18

Employment and labor force
  Employment (000)                       1980            174                    5                1            0            1            1
                                         1990            174                    5                0            1            1            1
                                         2000            183                    5                0            0            1            1

   % change employment                1980-90                 0                 1           -14           18           -8          -11
                                      1990-00                 5                 1            -1          -42           33          -14

   Unemployment rate                     1980                  8            11                8            5           12            5
                                         1990                  9            16               18           14           14           16
                                         2000                 14            18               30           20           14           18

   % college graduates                   1980                 21             4                   2            2         6               3
                                         1990                 27             7                   1            1        12               2
                                         2000                 35            13                   4            2         8               5




    Page 24 of 33                                                                                                                           Revised 9/24/2004
CIVIC SITE SUB-NEIGHBORHOOD COMPARISONS — Atlanta, GA
PART B3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL DATA SOURCE

                                                                                       s
                                                                      Civic Site
                                                    City Total
                                                                        Area
                                                                                           005600       005700       005800       006300
Social risk factors
  % households public assistance             2003                14            32               31           30           19           24
                                             1990                14            30               33           24           11           21
                                             2000                12            29               26           36           23           28
                                         2000-03
   % pop.>25 no HS degree                    1980                40            70               75           69           60           72
                                             1990                30            56               69           58           49           58
                                             2000                23            43               61           53           42           40

   % fam.w/kids, fem. head                  1980                 48            62               44           55           30           47
                                            1990                 56            74               83           63           57           66
                                            2000                 53            71               75           65           46           74

Risk Factor Indexes (Highest risk = 100)
   Combined                                 2000                 69            93               99           99           92           97
     Lack employment                        2000                 64            84               97           97           81           91
     Receive public assistance              2000                 66            93               94           98           92           95
     Lack HS degree                         2000                 63            89               98           95           90           88
     Female headed family                   2000                 76            96               98           96           87           98

   Poverty index                            2000                 77            94               98           95           88           97

Isolation indicators
   % occupied HU w/phone                    1990                 91            76               77           82           79           81
                                            2000                 97            89               87           80           94           90

   % pop. age 18-64 who speak               1990                 1                 0                0            1         0               0
   English not well or not at all           2000                 3                 4                6            6        11               0

Housing conditions
  Occupied housing units (000)              1980          161.4               7.1              0.6          0.7          0.6          1.0
                                            1990          154.6               6.1              0.6          0.6          0.5          0.9
                                            2000          167.9               6.3              0.6          0.5          0.7          0.7

   Total rental units (000)                 1980          103.1               6.1              0.6          0.5          0.4          0.7
                                            1990          104.2               5.3              0.6          0.4          0.3          0.6
                                            2000          103.0               4.8              0.5          0.4          0.4          0.5

   Rental vacancy rate                      1980                  7            10               21            9            9           10
                                            1990                 15            13               18            3           16           12
                                            2000                  7             8               10           11           11           18

   % housing units built before 1960        2000                 45            53               31           56           78           72

   % HU overcrowded                         1980                 5             10               21            6            6            8
                                            1990                 6              9                8           10            8            7
                                            2000                 7             15               14           16           18           16

   % units lacking plumbing facilities      1980                 1                 2                1            3            1            1
                                            1990                 1                 2                0            0            1            2
                                            2000                 1                 2                1            0            3            1

HUD assisted as percent of 2000 occupied HU**

   Total                                    1998                 15            30               18           27               6            3
   Public housing                           1998                  5            18                1            0               0            0
   Assisted/insured private                 1998                  6            10               13           24               0            0
   Sec. 8 vouchers                          1998                  4             3                4            2               6            2




    Page 25 of 33                                                                                                                              Revised 9/24/2004
CIVIC SITE SUB-NEIGHBORHOOD COMPARISONS — Atlanta, GA
PART B3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL DATA SOURCE

                                                                                                      s
                                                                                        Civic Site
                                                                   City Total
                                                                                          Area
                                                                                                          005600    005700    005800    006300
Home mortgage lending

Total number of home purchase mortgages originated*
                                         1997                              5,955               157              5         6         5        13
                                         2000                              9,132               321             14        29        37        42
                                         2003                             10,192               486             17        35        63        73

     % change in number                             1997-00                     53             104            180       369       640       229
                                                    2000-03                     12              51             21        22        70        72

Total number of home purchase mortgages originated/1,000 housing units*
                                         1997              32                                    21             7        10         7        13
                                         2000              49                                    45            20        49        48        46
                                         2003              54                                    69            25        64        78        84

     Change in rate                                 1997-00                     17               23            13        39        41        33
                                                    2000-03                      5               24             5        15        30        38

Aggregate dollar value of home purchase mortgages originated (2003$ 000)*
                                          1997       1,035,203        18,799                                  587       352       446       944
                                          2000       1,756,173        41,816                                2,046     2,328     3,245     2,936
                                          2003       1,992,646        75,654                                3,472     4,457     9,820     8,999

     % change                                       1997-00                     70             122            248       561       627       211
                                                    2000-03                     13              81             70        91       203       206

Aggregate dollar value of home purchase mortgages originated per housing unit *

                                                        1997               5,591             2,566            793       571       606       983
                                                        2000               9,408             5,816          2,853     4,013     4,214     3,209
                                                        2003              10,588            10,724          5,006     8,198    12,220    10,344

     Change in rate                                 1997-00                3,817             3,250          2,060     3,442     3,608     2,226
                                                    2000-03                1,180             4,908          2,152     4,184     8,006     7,135

Note: Unless otherwise noted, the data is calculated from the Urban Institute's Neighborhood Change
*    Home Mortgage Disclosure Act dataset, 1997-2003, compiled by the Urban Institute. Dollar amoun
**   A Picture of Subsidized Households in 1998, Dept. of Housing and Urban Development, compiled
See "Notes" worksheet for additional documentation about calculations and indicators.




      Page 26 of 33                                                                                                                               Revised 9/24/2004
CIVIC SITE ZIP CODE COMPARISONS — Atlanta, GA
PART B4 - CONTEXT INDICATORS, ZIP CODE LEVEL DATA SOURCES

                                                                                       Core                 Core Zip Codes
                                                                     Central
                                                                                    Zip Codes
                                                                     County                       30310          30312          30315
                                                                                       Total
Household and population**
   Total returns                                            2001      433,998          31,160          12,225      7,304         11,631
   Pct. change in total returns                          1998-01             5              -5              -7          5             -9

    Total exemptions                                        2001      804,324          60,701          23,970     12,291         24,440
    Pct. change in total exemptions                      1998-01            10              -5              -4          1             -8

    Total dependent exemptions                              2001      243,656          25,101           9,772      4,192         11,137
    Pct. change in dependent exemptions                  1998-01             1             -12             -11        -11            -14

Pct of returns by AGI Ranges*
    Less than 10,000                                        2001               24           27             26            24             30
    10,000 to 19,999                                        2001               16           29             31            24             32
    20,000 to 29,999                                        2001               13           19             22            14             19
    30,000 to 49,999                                        2001               16           15             16            17             13
    50,000 to 99,999                                        2001               16            8              6            15              5
    Greater than 100,000                                    2001               15            2              1             6              1
Change in pct of returns by AGI Ranges*
   Less than 10,000                                      1999-01           -0.2            -5.3           -5.4       -6.0            -4.7
   10,000 to 19,999                                      1999-01           -1.5            -1.0           -1.2       -1.7            -0.2
   20,000 to 29,999                                      1999-01           -0.7             1.4            2.4       -0.3             1.5
   30,000 to 49,999                                      1999-01            0.3             2.6            3.1        2.4             2.0
   50,000 to 99,999                                      1999-01            1.0             1.6            0.9        3.2             1.0
    Greater than 100,000                                 1999-01            1.0             0.8            0.1        2.3             0.4

Pct. of returns by Filing Status*
     Single                                                 2001               51           44             42            57             37
     Married-joint or widow(er)                             2001               25           11             11            10             11
     Married-separate                                       2001                4            1              2             1              1
     Head of household                                      2001               20           44             45            31             51

Change in pct. of returns by Filing Status*
   Single                                                1999-01            1.0             0.6           -0.5        2.8            -0.2
   Married-joint or widow(er)                            1999-01            0.2            -0.2            0.2        0.4            -1.0
   Married-separate                                      1999-01           -0.8            -0.1           -0.2        0.0            -0.1
   Head of household                                     1999-01           -0.4            -0.2            0.4       -3.2             1.3

Source: * Internal Revenue Files from the Stakeholder Partnership Education and Communication Office
        ** Internal Revenue Service, Statistics of Income Division
See "Notes" worksheet for additional documentation about calculations and indicators.




Page 27 of 33                                                                                                                 Revised 9/24/2004
                Notes on Source and Methodology for Annie E. Casey Site Profiles

GENERAL - PART 1 and PART 3

Sources:    Census Tract Profiles: The Neighborhood Change Database (NCDB) is based on the
            Decennial censuses with 1980 and 1990 values standardized to 2000 tract boundaries.
            Assisted and public housing data are derived from Dept. of Housing and Urban
            Development's A Picture of Subsidized Households in 1998, as compiled by the Urban
            Institute. Mortgage data is from the Home Mortgage Disclosure Act files, as compiled by the
            Urban Institute.

            Zip Code Profiles: Zip code measures are drawn from three Internal Revenue Serive (IRS)
            datasets. The first is the "Individual Tax Statistics- Zip Code Data" from the Statistics of
            Income Division. The second is the Return Information Database from the Stakeholder
            Partnership Education and Communication Office (SPEC). The third is a Special Estimation
            of EITC eligible and ineligible households also from SPEC.


Geography: For the tract-level profiles, the analysis uses 2000 census tract and 1999 metropolitan area
           definitions, and Making Connections or Civic Site focus areas as defined in May 2004. At
           this point, no focus neighborhood had been chosen in New Haven. The city totals are
           aggregations of census tracts, which may not match exactly with the city boundary.
           Reference maps showing the tract-based boundary compared to the locally-defined
           boundary are included in the profile package.

            For the zip-code level profiles, the analysis assigns counties to zip codes using a 1999 zip-to
            county crosswalk from the U.S. Census Bureau. It uses 1999 New England County
            Metropolitan Area definitions for Hartford, New Haven, and Providence, and metropolitan
            areas for the remaining cities. The central county is defined as the county containing the
            central city. County totals are aggregations of zip codes which may not match exactly with
            the county boundary. Reference maps showing the core zip codes compared to the locally-
            defined boundary are included in the profile package.


            High poverty neighborhoods are defined as census tracts with poverty rates of 30 percent
            or higher in 2000. Poverty status was determined by the Census Bureau based on family
            size and age, and was not adjusted for local variations in the cost of living. The average
            poverty threshold for a family of four persons was $12,674 in 1989 and $ 17,029 in 1999.

Notes:      Certain counties in 1990 MSAs were not included in the 1980 NCDB because they were not
            divided into census tracts for the 1980 Decennial census. The 1980 values were adjusted to
            the correct totals by adding in county level 1980 data to the low-poverty suburbs and the
            MSA summary levels. It is possible that some of the tracts in these counties would qualify
            for the high-poverty suburbs category, but it is not possible to divide the county figures. A
            list of affected MSAs is attached.
            We used the Consumer Price Index for all Urban Consumers (CPI-U) to adjust any dollar
            amounts for inflation.




Page 28 of 33                                                                                      Revised 9/24/04
                Notes on Source and Methodology for Annie E. Casey Site Profiles

PART 1 NOTES (Census Tract Level Data Sources)

       1.1 Employment rates include civilian workers and those in the armed forces.
           Several methodological decisions in the 2000 Decennial Census resulted in an
           underestimation of the count of employed persons and overestimation of the counts of
           people unemployed or "not in the labor force" in comparison to the Current Population
           Survey. The differences between the two sources reached the highest levels since the 1970
           decennial census. It appears that this affected all categories (male/female) and
           geographies relatively equally, so comparisons across geographies within 2000 are likely
           valid. However, users should be extremely cautious about comparing one geographic area
           across years. For detailed explanation of the issues, see the full analytic report comparing
           the two sources at www.census.gov/pred/www/rpts/B.7%20Final%20Report.pdf


           The Indicator "% pop 16-19 empl. or in sch." includes population age 16-19 who are in
           armed forces, civilian employment or in school.

       1.3 1979 and 1989 income amounts were inflated to 1999 constant dollars, and 1980 and 1990
           housing values were inflated to 2000 constant dollars.
           Poverty status was determined by the Census Bureau based on family size and age, and
           was not adjusted for local variations in the cost of living. The average poverty threshold for
           a family of four persons was $12,674 in 1989 and $ 17,029 in 1999.

       2.4 Denial rates refer to properties within the given area, and the applicants may or may not
           reside in the area where they are attempting to purchase property.
           Subprime lenders are identified annually by the U.S. Department of Housing and Urban
           Development. The latest year available is 2002, and the complete set is at
           http://www.huduser.org/datasets/manu.html.
           It is unclear why most areas have seen a sharp drop in subprime lending, despite other
           research showing the continuing prevalence of predatory lending in low-income
           neighborhoods. It may have to do with HUD's changing the methodology for the subprime
           lenders list. UI is investigating these indicators and will update the Foundation staff and
           local partners with any new information.


       6.0 Because of instability caused by small numbers, we calculate the rates for maternal and
           birth indicators based on the average of three years. For the Casey neighborhoods and
           subneighborhoods, the number may still be too small to be reliable. The birth indicators are
           only available for those sites who participated in the NNIP Health Indicators study. The
           intention is to eventually collect these indicators from all the sites.

       6.2 As defined by the National Center for Health Statistics, low birth weight is under 2500 grams.

       6.3 The denominator for the teen birth rates is the estimated number of 15-19 year old females
           each year. The estimate is created by interpolating from the 1990 and 2000 decennial
           censuses.
       6.6 The indicator "% pop age 3-5 in preschool/kindergarten" is created by dividing the number of
           persons 3 and older in preprimary school by the number of 3 to 5 year old children. In one
           case (Washington high-poverty suburbs), this calculation resulted in a percentage over 100.
           We truncated the number to 100 for the table.
           We excluded the 1990 figure for this indicator because we found unreasonably large
           differences between the 1990 and 2000 rates of preprimary enrollment. We suspect it is a
           data issue, not an accurate reflection of enrollment change.


Page 29 of 33                                                                                     Revised 9/24/04
                Notes on Source and Methodology for Annie E. Casey Site Profiles

PART 2 NOTES (Zip Code Level)

General     The universe for all the IRS indicators is tax-return filers, which we are using as a proxy for
            households. This will be an undercount of the households, since not everyone files with the
            IRS.
            Adjusted gross income (AGI) is defined as the taxable income from all sources including
            wages, salaries, investment and other income minus specific deductions such as the IRA
            deduction, student loan interest deduction, self-employment tax deduction, self-employed
            health insurance deduction, self-employed retirement plans, and alimony. For many
            taxpayers, Adjusted Gross Income (AGI) is the same as their annual income. On average,
            AGI is equal to the Total Income for approximately 82% of all individual taxpayers.



        2.3 Given the interest in EITC Campaigns across sites, we wanted to provide a sense of the
            share of households eligible for EITC that are not receiving it. There are two indicators
            provided. In the first ("% estimated eligible IRS returns not files for EITC"), the IRS
            modelled an estimated amount of unclaimed credits based on previous studies.
            The second indicator is another proxy. The denominator is all households who have
            dependents and earn under the EITC income limit. The numerator is those households who
            have dependents, earn under the EITC limit, and did not apply for EITC.
            Neither value is supposed to be used as a precise number, but as a guide for targeting
            education campaigns and tax assistance to low-income families.

        2.4 Volunteer sites include the Tax Counseling for the Elderly (TCE) program and the Volunteer
            Income Tax Assistance Program (VITA) program.

            In the SPEC files, the Low Income market segment is defined as those returns under the
            EITC Income limit for each respective year (Tax Year 2001 $32,280, Tax Year 2000
            $31,150, Tax Year 1999 $30,580).

PART 3 NOTES

Population by race/ethnicity
           In the 2000 decennial census, respondents were able to choose more than one race. The
           Neighborhood Change Database uses a bridging methodology to assign non-Hispanics who
           chose more than one race to a single-race category for the purposes of measuring change.
           The Hispanic population who indicated more than one race are included in the Hispanic
           category. The 2000 bridged race data are from SF1, since the bridged data for the SF3
           were not available at the time of this analysis.


Number of census tracts
          Population and income growth could not be calculated for tracts in suburban counties that
          were not included in the 1980 NCDB. A list of affected MSAs is attached.

Household Types
          Married-couple and single-parent families with children include only those families with their
          own children, not households with other related or unrelated children.

Home purchase mortgage by race
         In this indicator, race may describe a couple if there was 2 applicants for the loan. Couples
         of two different races are included in the "Other" category.
         Only owner-occupied loans are included in this figure.

Page 30 of 33                                                                                       Revised 9/24/04
                Notes on Source and Methodology for Annie E. Casey Site Profiles

Income
            The income categories of home purchase borrowers are calculated based on the HUD Area
            Median Family Income (HAMFI) figures, which are calculated annually for each metropolitan
            area. In 2003, the income limits were re-benchmarked to take the findings from the
            Decennial Census into account. In some metropolitan areas, this resulted in a unusually
            large change from 2002 to 2003 that likely reflects the change in the model, not the actual
            change in median income. A HAMFI table is included at the end of the Notes section to help
            sites interpret these indicators

Employment
         The employment figures include employment in the civilian sector and the armed forces.
            See important cautionary note above in Part 1, section 1.1.

Risk Factors
           In 1990, the census question asked about Supplemental Social Security Income (SSI) and
           state and local public assistance (TANF) in the same question. In 2000, the questions were
           asked separately. For purposes of comparison, we have added the positive respondents in
           2000 together, but we may be double-counting some households that receive both SSI and
           TANF.
            The indicator for female-headed households is the number of female-headed family
            households and subfamilies with children divided by the total number of families and
            subfamilies with children.

Risk Factor Indices (Highest risk = 100)
           The risk factor indices are based on rankings of all the census tracts with population greater
           than 200 in the United States. For larger geographies, the indices for the component tracts
           have been averaged. The combined index is based on a ranking of the sum of the indices
           of the next four factors (excluding poverty).

Housing conditions
          Rental vacancy rate is calculated by dividing the number of vacant housing units for rent by
          the total number of rental housing units.
          Overcrowded units are those with greater than 1.01 persons per room.

HUD assisted as percent of 2000 occupied HU
          The indicator "Public housing" means housing owned and operated by local governments.
            The indicator "Assisted/insured private" housing is the total of number of units in the
            following subsidy programs: Section 8 Moderate Rehabilitation, Section 8 New and
            Substantial Rehabilitation, and Section 236, and other FHA subsidy programs.
            The indicator "Sec. 8 vouchers" includes Section 8 vouchers and certificates.

Home Mortgage Indicators
         We calculated the number of housing units each year by a straight line estimate based on
         the trend from 1990 to 2000.

PART 4 NOTES
         See Part 3 Notes for information about geography and definitions of AGI.


For more information, contact Kathy Pettit at the Urban Institute at kpettit@ui.urban.org
            or (202) 261-5670.



Page 31 of 33                                                                                         Revised 9/24/04
         Counties in 1999 metropolitan area definitions, but not included in the 1980 NCDB

MSA/PMSA 1999              County FIPS County Name                      Number of tracts in 2000


Atlanta, GA                    13013     Barrow County, GA                                      7
Atlanta, GA                    13015     Bartow County, GA                                     12
Atlanta, GA                    13045     Carroll County, GA                                    16
Atlanta, GA                    13077     Coweta County, GA                                     10
Atlanta, GA                    13227     Pickens County, GA                                     6
Atlanta, GA                    13255     Spalding County, GA                                   12
Baltimore, MD                  24035     Queen Anne's County, MD                               10
Louisville, KY--IN             18061     Harrison County, IN                                    6
Louisville, KY--IN             18143     Scott County, IN                                       5
San Antonio, TX                48493     Wilson County, TX                                      9
Seattle, WA                    53029     Island County, WA                                     21
Washington, DC--MD--VA         24009     Calvert County, MD                                    17
Washington, DC--MD--VA         51043     Clarke County, VA                                      3
Washington, DC--MD--VA         51047     Culpeper County, VA                                    5
Washington, DC--MD--VA         51061     Fauquier County, VA                                   10
Washington, DC--MD--VA         51099     King George County, VA                                 5
Washington, DC--MD--VA         51187     Warren County, VA                                      7
Washington, DC--MD--VA         54003     Berkeley County, WV                                   11
Washington, DC--MD--VA         54037     Jefferson County, WV                                   7




Page 32 of 33                                                                           Revised 9/24/04
                     HUD Area Median Family Income for Annie E. Casey Foundation Sites


                                                         HUD Area Median Family Income
                                   1997        1998       1999      2000        2001          2002         2003*

Atlanta, GA FMR Area                53,100      54,700     59,900      63,100      66,500     71,200       68,800
Baltimore, MD FMR Area              54,100      55,600     60,600      63,100      63,100     66,400       67,300
Denver, CO FMR Area                 54,900      55,700     58,600      62,100      64,400     69,900       68,000
Des Moines, IA FMR Area             50,600      53,500     55,300      60,000      64,600     66,900       63,900
Hartford, CT FMR Area               58,900      58,900     59,600      61,300      64,900     66,600       73,000
Indianapolis, IN FMR Area           48,800      51,100     54,600      57,700      60,700     64,100       62,900
Louisville, KY FMR Area             42,700      44,600     48,400      51,500      54,700     56,300       56,200

Milwaukee, WI FMR Area              50,700      53,900     57,600      61,400      63,500     67,200       62,600
New Haven, CT FMR Area              57,200      57,200     58,500      60,600      63,500     65,300       71,000
Oakland, CA FMR Area                60,100      63,300     65,700      67,600      71,600     74,500       76,600
Providence, RI FMR Area             46,900      46,900     48,100      49,800      52,800     54,100       58,400
San Antonio, TX FMR Area            38,900      39,800     41,900      43,100      45,300     46,200       50,500
Seattle, WA FMR Area                55,100      59,000     62,600      65,800      72,200     77,900       71,900
Washington, DC FMR Area             70,300      72,300     78,900      82,800      85,600     91,500       84,800


Source: U.S. Department of Housing and Urban Development
Note: Fair Market Rent areas may not coincide with OMB-defined metropolitan areas.
For more information, visit the HUDUser web site at http://www.huduser.org/datasets/fmr.html
* Median incomes in 2003 were re-benchmarked to incorporate results from the 2000 decennial census.
  The change may result in unusual increases or decreases reflecting the change in the model components,
  not a true change in income levels from 2002 to 2003.




   Page 33 of 33                                                                                 Revised 9/24/04
                            Civic Site - Atlanta
                      Neighborhood Planning Area "V"




                                                                      Summerhill-
                                                                     Capitol Homes
                                 Mechanicsville

                                                          004800


                                  004400     004600
                                                                     004900



        Adair Park
                                            005600
                                 005700
                       005800                               005501
                                                                        Peoplestown
                                          006300




                                Pittsburgh




1 inch=.64 miles



              Civic Site Area                        Equivalent 2000 Census Tracts




The Urban Institute                                     Metropolitan Housing and Communities
                              Civic Site Area




                                                  30312




                      30310




                                                  30315




1 inch=1.09 miles


                Civic Site Area                    Equivalent Zip Codes
                                  Census Tracts



                              City of Atlanta
The Urban Institute                          Metropolitan Housing and Communities

				
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