Unemployed Home Mortgage Refinance

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					              TABLE OF CONTENTS FOR MAKING CONNECTIONS SITE PROFILE

Note: Part A compares the focus area as a whole to other parts of its region.


PART A1 and B1: Core Results Indicators (census tract level data sources)

1.0
1.1
1.2
1.3
1.4

2.0
2.1
2.2
2.4

6.0
6.1
6.2
6.3
6.6

PART A2 and B2: Core Results Indicators (zip code level data sources)

1.0
1.1
1.3

2.0
2.1
2.3
2.4

PART A3 and B3: Context Indicator Categories (census tract level data sources)

Population
Number of census tracts
Population by race/ethnicity
Households and household types
Home purchase mortgage borrowers by race/ethnicity
Income

Employment and labor force
Social risk factors and risk factor indices
Isolation indicators
Housing conditions
Home mortgage lending

PART A4 and B4: Context Indicator Categories (zip code level data sources)

Household and population
Returns by adjusted gross income categories
Returns by filing status (household type)

Reference
Notes
Counties not tracted in 1980
HUD Area Median Family Income (HAMFI) 1997-2003
              TABLE OF CONTENTS FOR MAKING CONNECTIONS SITE PROFILE

Note: Part A compares the focus area as a whole to other parts of its region.
      Part B compares the sub-neighborhoods within the focus area.

PART A1 and B1: Core Results Indicators (census tract level data sources)

     Earnings and Income
     Parents and young adults employed
     Parents in jobs providing family supporting wages, benefits, and career advancement opportunities
     Family income and earnings
     Stable labor force attachment of parents

     Assets
     Level of family savings and percent of families that save
     Families that own their own homes and other assets such as cars
     Families access to reasonably priced housing, consumer goods and financial services

     Child Health and Readiness to Succeed in School
     Pregnant women receiving prenatal care in first trimester
     Children born with low birthweight
     Children born to teenage mothers
     Children with developmentally appropriate pre-school experience

PART A2 and B2: Core Results Indicators (zip code level data sources)

     Earnings and Income
     Parents and young adults employed
     Family income and earnings

     Assets
     Level of family savings and percent of families that save
     Eligible families filing for EITC and CDTC
     Families access to reasonably priced housing, consumer goods & financial services

PART A3 and B3: Context Indicator Categories (census tract level data sources)

Population
Number of census tracts
Population by race/ethnicity
Households and household types
Home purchase mortgage borrowers by race/ethnicity
Income

Employment and labor force
Social risk factors and risk factor indices
Isolation indicators
Housing conditions
Home mortgage lending

PART A4 and B4: Context Indicator Categories (zip code level data sources)

Household and population
Returns by adjusted gross income categories
Returns by filing status (household type)

Reference
Notes
Counties not tracted in 1980
HUD Area Median Family Income (HAMFI) 1997-2003
MAKING CONNECTIONS AREA COMPARISONS — Hartford, CT PMSA
Part A1 - CORE RESULTS INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                    Central City                              Suburbs
                                                   Making         Other                                                            Total
                                                                             Remaining    City         Hi-poverty    Remaining
                                                 Connections    Hi-poverty                                                       Metro Area
                                                                                tracts    Total          Neigh         tracts
                                                    Area          Neigh
1.0 EARNINGS AND INCOME
1.1 Parents and young adults employed
    % female age 16+ employed             1980             44           49          55            49           48           55             54
                                          1990             42           51          58            50           51           61             60
                                          2000             43           39          51            46           48           60             58

    % male age 16+ employed               1980             59           62          68            63           62           77             75
                                          1990             55           58          64            59           60           75             73
                                          2000             46           47          56            51           49           70             68

    % total pop. age 16+ employed         1980             51           55          61            56           55           65             64
                                          1990             48           54          61            54           55           68             66
                                          2000             45           43          53            48           48           65             63

    % of children, one or more            1990             49           60          80            60           64           96             90
     parents in labor force               2000             67           66          78            71           74           95             92

    % pop. age 16-19 employed             1990             76           90          84            82           93           95             93
     or in school                         2000             77           83          82            80           90           95             93

1.2 Parents in jobs providing family supporting wages, benefits, and career advancement opportunities
    % managerial/professional             1980             17           23          22            21           15           30             29
     employment                           1990             22           24          26            24           21           36             35
                                          2000             20           23          22            22           14           41             39

1.3 Family income and earnings
    Avg. family income (1999 $ 000)       1980             29           37          48            38           36           62             59
                                          1990             29           38          57            42           38           80             76
                                          2000             29           33          48            38           33           82             77

    % chg. avg. income                 1980-90              1            3           20            9             4          29             28
      (1999 $ 000)                     1990-00             -1          -13          -17           -9           -14           2              2

    % persons in poverty                  1980             38           23          11            25           22            5             8
                                          1990             39           27          13            28           26            4             7
                                          2000             40           34          20            31           32            6             8

    % children (<age 18) in poverty       1990             56           43          21            44           46            6             12
                                          2000             50           45          28            41           44            7             11

    % fam.w/children in poverty           1980             47           29          13            33           28            6             9
                                          1990             49           36          16            36           38            5             9
                                          2000             45           41          23            36           40            5             9

    % persons < 200% of poverty           1990             60           49          26            46           47           12             16
                                          2000             65           60          43            55           60           15             20

1.4 Stable labor force attachment of parents
    % employed working 35+ hrs/wk         1990             63           49          68            62           51           67             67
      & 40+wks/yr in 1999                 2000             57           50          67            60           46           69             68




    Page 5 of 37                                                                                                         Revised 9/24/04
MAKING CONNECTIONS AREA COMPARISONS — Hartford, CT PMSA
Part A1 - CORE RESULTS INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                         Central City                             Suburbs
                                                     Making            Other                                                              Total
                                                                                  Remaining   City         Hi-poverty       Remaining
                                                   Connections       Hi-poverty                                                         Metro Area
                                                                                     tracts   Total          Neigh            tracts
                                                      Area             Neigh
2.0 ASSETS
2.1 Level of family savings and percent of families that save
    % HH with interest, dividends           1980              20             31          42           31           32              57             53
       or net rental income                 1990              16             23          35           25           27              56             52
                                            2000              10             14          22           16           15              47             44

    Avg. interest/dividend/rental           1980                 6             5          6           6                 5           6             6
    income (1999 $ 000)                     1990                 5             7          8           7                 5           9             9
                                            2000                 7             8          9           9                 4           9             9

2.2 Families that own their own homes and other assets such as cars
    Homeownership rate                      1980              10             14          43           23           18              69             62
                                            1990              13             13          43           24           19              71             64
                                            2000              13             12          42           25           12              71             66

    Homeownership rate for poor HH          2000                 6             3         19           9                 3          31             22

    Homeownership rate                      2000                 9             9         35           19           10              76             69
     for families with children

    Average value owner occ.                1990             166            260         188       191             161             246          244
     single-family units (2000$,000)        2000             118            173         112       116             102             173          171
       % real change                     1990-00             -29            -34         -41       -39             -37             -30          -30

    Median value purchase loans*            1997              52             79          80        78              na             130          125
      (2003$ 000)                           2000              72             98          96        92              na             128          126
                                            2003              99            117         126       119             100             148          145
       % real change                     1997-00              39             24          20           18           na              -1              1
                                         2000-03              38             19          31           30           na              15             15

    % households w/vehicle                  1990              46             61          80           61           69              94             90
                                            2000              52             61          78           64           63              93             90

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              52             44          34           44           46              26             29
        >30% income for housing             2000              44             47          40           43           48              25             27
    % households paying                     2000              25             26          20           23           25               9             11
        >50% income for housing

    % renter households paying              1990              52             44          37           46           47              35             38
        >30% income for housing             2000              45             49          44           45           49              34             37
    % renter households paying              2000              26             27          24           26           25              15             18
        >50% income for housing

    % owner households paying               1990              41             36          27           29           29              22             22
       >30% income for housing              2000              33             19          31           31           35              21             21
    % owner households paying               2000              15               3         13           12           13               6             6
       >50% income for housing

    Avg. gross rent for HH paying           1990             615            636         743       654             619             806          761
     cash rent (2000 $ 000)                 2000             506            547         644       556             516             699          661
      % real change                      1990-00             -18            -14         -13       -15             -17             -13          -13




    Page 6 of 37                                                                                                                Revised 9/24/04
MAKING CONNECTIONS AREA COMPARISONS — Hartford, CT PMSA
Part A1 - CORE RESULTS INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                                                Central City                                      Suburbs
                                                                         Making               Other                                                                    Total
                                                                                                         Remaining       City          Hi-poverty       Remaining
                                                                       Connections          Hi-poverty                                                               Metro Area
                                                                                                            tracts       Total           Neigh            tracts
                                                                          Area                Neigh
2.4 Families access to reasonably priced housing, consumer goods and financial services
     Denial rates for home purchase                          1997                     25            24          21               22                25           9             10
      mortgage applications*                                 2000                     37            38          27               32                33          11             12
                                                             2003                     28            27          21               24                33          10             11
         % point change                                 1997-00                       12            14            6                9                8           2               2
                                                        2000-03                       -8           -11           -6               -7                1           0              -1

     Pct. of refinance mortgages                             1997                     42            25          33               35                14          10             11
       from subprime lenders*                                2000                     60            50          46               51                35          23             24
                                                             2002                     34            33          33               33                26           8              9
         % point change                                 1997-00                        18           25           13               16               21           13             14
                                                        2000-02                       -26          -17          -13              -18               -9          -15            -16

     Pct. of purchase mortgages                              1997                     22            17          13               15                 4           4              4
       from subprime lenders*                                2000                     35            25          16               22                27           6              6
                                                             2002                     37            39          26               30                29           8              9
         % point change                                 1997-00                       14             8           3                7                23           2              2
                                                        2000-02                        1            14          10                9                 1           2              3

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                     76            70          78               76                69          81             80
       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 7 of 37                                                                                                                                           Revised 9/24/04
MAKING CONNECTIONS AREA COMPARISONS — Hartford, CT NECMA
PART A2- CORE RESULTS INDICATORS, ZIP CODE LEVEL DATA SOURCES

                                                                                     Central County
                                                                          Core Zip                                              Total
                                                                                       Remaining       County
                                                                           Code                                   Suburbs     Metro Area
                                                                                       Zip Codes        Total
                                                                           Area

1.1 Parents and young adults employed

    Pct returns with salaries and wages**                          2001           92             83          84         85            84
      Change in pct. returns with salaries/wages                1998-01         -0.1            0.3         0.2        0.0           0.2

    Pct returns with less than $25,000 AGI & salaries/wages**      2001           91             74          76         74            76
      Change in pct. returns with salaries/wages                1998-01         -0.6           -0.1        -0.1       -0.1          -0.1

    Pct returns with business income (Schedule C)**                2001            8             12          12         14            12
      Change in pct. returns with business income               1998-01          1.4            0.0         0.1       (0.2)          0.1

    Pct returns with less than $25,000 AGI & business income**    2001             7              8           8          9             8
      Change in pct. returns with business income              1998-01           1.8            0.4         0.6        0.0           0.5

1.3 Family income and earnings
    Ave. adj. gross income for IRS returns (000)**                 2001           27             57          55         57            55
      Pct real change in average AGI                            1998-01          5.4            1.3         1.5        4.0           2.1

    Ave. amount of salaries/wages for IRS returns (000)**          2001           25             52          49         52            50
      Pct real change in avg. salaries/wages                    1998-01          5.7            2.4         2.6        3.1           2.8


2.0 ASSETS
2.1 Level of family savings and percent of families that save
    % IRS returns with capital gains (Schedule D)*                 2001            5             18          17         19            17
      Change in percent returns with capital gains              1999-01         -1.1           -6.4        -5.9       -5.5          -5.8

    % IRS low-income returns with capital gains*                   2001            2             12          11         12            11
      Change in percent returns with capital gains              1999-01          0.2           -2.5        -2.1       -2.1          -2.1

    % IRS returns with taxable interest income**                   2001           29             69          66         72            68
      Change in percent returns with taxable interest           1998-01         -1.5           -1.1        -1.1       -0.6          -0.9

    Ave. taxable interest on returns claiming interest **          2001       1,622           2,378      2,350       1,982        2,250
      Pct. real change in ave. taxable interest                 1998-01         -3.6            -3.0       -2.9         4.0         -1.5

    % IRS returns w/<$25,000 AGI & taxable interest income**       2001           17             49          44         50            45
      Change in percent returns with taxable interest           1998-01         -1.8           -2.0        -2.0       -1.9          -1.9

    Ave. taxable interest on returns w/< $25,000 AGI **            2001          936          1,421      1,395       1,271        1,364
      Pct. real change in ave. taxable interest                 1998-01        -16.2          -18.3      -18.1       -10.9        -16.6




Page 8 of 37                                                                                                                Revised 9/24/2004
MAKING CONNECTIONS AREA COMPARISONS — Hartford, CT NECMA
PART A2- CORE RESULTS INDICATORS, ZIP CODE LEVEL DATA SOURCES

                                                                                      Central County
                                                                           Core Zip                                              Total
                                                                                        Remaining       County
                                                                            Code                                   Suburbs     Metro Area
                                                                                        Zip Codes        Total
                                                                            Area
2.3 Eligible families filing for EITC and CDTC
    % estimated eligible IRS returns not filing for EITC***        2001           24              26         26          29           26

    % potentially-eligible returns who did not file for EITC*       2001           12             21          18         24            19
      Change in percent of potential EITC filers                 1999-01        -11.3          -20.2       -17.7      -23.9         -18.6

    Ave. EITC amount on returns filing for EITC*                    2001       1,709           1,518      1,572       1,378        1,542
      Pct. Change in ave. amount of EITC                         1999-01         -3.0            -4.1       -3.8        -5.1         -4.0

2.4 Families access to reasonably priced housing, consumer goods & financial services
    % IRS returns with direct deposit*                              2001           37             23          24         23            24
      Change in percent returns with direct deposit              1999-01         11.7            7.3         7.7        7.2           7.5

    % IRS low-income returns with direct deposit*                   2001           41             23          25         21            25
      Change in pct. low-income returns w/direct deposit         1999-01         13.3            7.0         7.8        6.4           7.5

    Percent of IRS low-income return preparation by*               2001
      Paid preparer                                                               46              43         44          40           43
      Self-prepared                                                               49              54         54          58           55
      Volunteer site                                                               5               2          3           2            2

    Pct. of low-income filers with a Refund Anticipation Loan*      2001           26              9          11          6            10
      Change in pct. low-income returns with RAL                 1999-01          8.7            2.6         3.4        1.5           3.0


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 9 of 37                                                                                                                 Revised 9/24/2004
MAKING CONNECTIONS AREA COMPARISONS — Hartford, CT PMSA
PART A3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                      Central City                               Suburbs
                                                     Making         Other                                                                 Total
                                                                               Remaining    City          Hi-poverty       Remaining
                                                   Connections    Hi-poverty                                                            Metro Area
                                                                                  tracts    Total           Neigh            tracts
                                                      Area          Neigh
Population
  Population (000)                         1980             60            25          51        136               15              930        1,081
                                           1990             62            28          50        140               16            1,003        1,158
                                           2000             50            21          50        122               14            1,048        1,184
   % change population                   1980-90              4           11           -3             2             3              8              7
                                         1990-00            -20          -24            2           -13            -9              5              2

   % population under age 18               1980             35            23          24            29            23              26              26
                                           1990             33            24          22            27            23              22              23
                                           2000             34            28          27            30            22              24              24
   % change population under age 18      1980-90             -4           13          -10            -4             1             -8              -7
                                         1990-00            -17          -12           26            -4           -11             13              10

   % population age 65 or over             1980              9            10          14            11            12              11              11
                                           1990              7             9          13            10            10              14              13
                                           2000              8             8          12            10             9              14              14

   Males/100 females, age 16-34            1980             84            93          97            90           103              98            97
                                           1990             92            92         107            97           100             101           100
                                           2000             86            88         103            92            99             101           100

   % foreign-born                          1980             13            16          24            18            14               8               9
                                           1990             11            14          21            15            10               8               9
                                           2000             14            18          23            19            15               9              10

   % pop age 5 and over in diff. house     1990             57            66          46            55            63              42              44
       5 years ago                         2000             56            61          50            54            62              40              42

Number of census tracts
  Total                                    2000             21             7          15            43                 7         240           290

   With 60%+ non-Hisp. black pop.          2000              9             1           2            12                 0           2              14
   With 60%+ Hispanic population           2000              5             3           3            11                 0           0              11

   With population growth>=1%            1980-90            12             7           7            26                 2         153           181
                                         1990-00             1             1           8            10                 1         134           145

   With income growth>=5%                1980-90            11             2          11            24                 1         223           248
                                         1990-00             5             2           2             9                 2          70            81

Population by race/ethnicity
  % pop. black non-Hispanic                1980             48            18          24            33             7               3               7
                                           1990             50            21          28            36             9               4               8
                                           2000             52            23          31            38            13               6              10

   % pop. white non-Hispanic               1980             22            61          64            45            75              95              88
                                           1990             11            42          49            31            62              92              84
                                           2000              8            25          27            19            45              85              78

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

   % pop. Hispanic                         1980             28            21          11            20            17               2               4
                                           1990             37            34          21            31            28               3               7
                                           2000             38            49          39            41            39               6              10




    Page 10 of 37                                                                                                               Revised 9/24/04
MAKING CONNECTIONS AREA COMPARISONS — Hartford, CT PMSA
PART A3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                    Central City                               Suburbs
                                                  Making          Other                                                                Total
                                                                             Remaining    City          Hi-poverty       Remaining
                                                Connections     Hi-poverty                                                           Metro Area
                                                                                tracts    Total           Neigh            tracts
                                                   Area           Neigh
Households (000)                         1980             23             9          19            51                 6         325          382
                                         1990             23            10          19            52                 5         378          435
                                         2000             19             8          18            45                 5         408          458

Household types
  % Married with children                1990              8            12          18            13            12              26              24
                                         2000              7            12          15            11            11              24              23
   % Single parent with children         1990             30            21          11            21            18               5              7
                                         2000             28            24          20            24            19               7              9
   % Other Family                        1990             22            23          35            27            25              40              38
                                         2000             22            21          32            26            21              36              35
   % Non-family                          1990             40            43          36            39            44              28              30
                                         2000             42            43          34            39            50              32              33

Home purchase mortgage borrowers by race/ethnicity*
  % White                             1997                26            28          19            21            61              86              83
                                      2003                25            25          17            20            62              83              80

   % African-American                    1997             62            36          41            44            22               6              7
                                         2003             50            21          25            30             6               5              6

   % Asian                               1997              0             7           1             2                 0           2              2
                                         2003              2             2           2             2                 6           3              3

   % Hispanic                            1997             11            24          33            29            15               3              5
                                         2003             17            47          42            37            27               5              6

   % Other                               1997              1             5           6             5                 2           3              3
                                         2003              6             6          15            12                 0           4              5

Income
   Pct. home purchase mortgage borrowers by income level *
     Low-income (<80% of HAMFI)          1997              74           71          76            75            70              37              38
                                         2003              74           71          68            70            74              40              42
     Moderate (80-120% of HAMFI)         1997             20            16          18            18            21              31              30
                                         2003             19            17          25            23            19              30              29
     High Income (120%+ of HAMFI)        1997              7            13           6             7                 9          33              31
                                         2003              7            12           7             8                 7          30              29

   Median Income of home purchase        1997             39            41          42            41            na              68              65
       borrowers (2003 $)*               2003             45            51          49            48            50              67              65
   % real change                      1997-03             15            24          15            16            na              -1              -1

Employment and labor force
  Employment (000)                       1980             21            11          25            57                 7         473          536
                                         1990             21            12          24            57                 7         547          610
                                         2000             15             7          20            42                 5         536          584

   % change employment                1980-90              0             7           -3             0             4             16              14
                                      1990-00            -26           -43          -16           -25           -20             -2              -4

   Unemployment rate                     1980             11             7           6             8             8               4              4
                                         1990             15             8           8            11            12               4              5
                                         2000             17            29          10            16            17               5              6

   % college graduates                   1980              9            15          13            12             9              21              20
                                         1990             10            17          18            14            11              28              26
                                         2000              9            15          14            12            10              32              30




    Page 11 of 37                                                                                                             Revised 9/24/04
MAKING CONNECTIONS AREA COMPARISONS — Hartford, CT PMSA
PART A3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

                                                                    Central City                             Suburbs
                                                    Making        Other                                                              Total
                                                                             Remaining   City         Hi-poverty       Remaining
                                                  Connections   Hi-poverty                                                         Metro Area
                                                                                tracts   Total          Neigh            tracts
                                                     Area         Neigh
Social risk factors
  % households public assistance           1980            27           14          10           18           12               4              6
                                           1990            31           23          10           22           16               4              6
                                           2000            32           27          19           26           27               5              7

   % pop.>25 no HS degree                  1980            56           48          44           49           53              27              30
                                           1990            47           37          35           41           43              19              21
                                           2000            44           43          34           39           42              14              16

   % fam.w/kids, fem. head                 1980            61           48          29           48           35              13              18
                                           1990            71           58          37           58           51              16              23
                                           2000            71           57          50           60           55              20              25

Risk Factor Indexes (Highest risk = 100)
   Combined                                2000            94           93          84           90           84              38              47
     Lack employment                       2000            88           86          72           82           83              38              46
     Receive public assistance             2000            94           95          81           89           81              39              47
     Lack HS degree                        2000            89           87          81           86           76              41              48
     Female headed family                  2000            92           89          83           88           80              41              49

   Poverty index                           2000            94           93          70           85           92              29              39

Isolation indicators
   % occupied HU w/phone                   1990            78           87          94           86           86              99              97
                                           2000            92           93          96           94           94              99              99

   % pop. age 18-64 who speak              1990            11            8           5            8            8               1              2
   English not well or not at all          2000            11           18          11           12           13               2              3

Housing conditions
  Occupied housing units (000)             1980            23            9          19           51                6         325          382
                                           1990            23           10          19           51                6         378          435
                                           2000            19            8          18           45                5         408          458

   Total rental units (000)                1980            22            8          11           41                5         105          151
                                           1990            23            9          11           43                5         118          166
                                           2000            19            8          11           37                5         124          166

   Rental vacancy rate                     1980             7            4           4           5             7               3              4
                                           1990            10            7           6           8            10               6              7
                                           2000            11            9           7           9            10               5              6

   % housing units built before 1960       2000            51           64          76           63           69              44              46

   % HU overcrowded                        1980            10            6           4            7                6           1              2
                                           1990            12            8           4            8                8           1              2
                                           2000            11           11           9           10                9           2              3

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

HUD assisted as percent of 2000 occupied HU**

   Total                                   1998            25           16           9           17           19               3              5
   Public housing                          1998             8            4           1            5            3               1              1
   Assisted/insured private                1998            10            5           1            6            9               2              2
   Sec. 8 vouchers                         1998             7            7           7            7            8               1              2




    Page 12 of 37                                                                                                           Revised 9/24/04
MAKING CONNECTIONS AREA COMPARISONS — Hartford, CT PMSA
PART A3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL DATA SOURCES

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

Total number of home purchase mortgages originated*
                                         1997                                 115               74              465             653              47           13,714       14,414
                                         2000                                 173              101              558             832              65           18,261       19,158
                                         2003                                 261              147              690           1,098              75           19,455       20,628

     % change in number                              1997-00                    51              38               20                 27           40              33              33
                                                     2000-03                    51              45               24                 32           15               7               8

Total number of home purchase mortgages originated per 1,000 housing units*
                                         1997                5             8                                     24                 12            8              33              30
                                         2000                8            12                                     29                 16           12              43              40
                                         2003               12            18                                     36                 22           14              45              42

     Change in rate                                  1997-00                     3                4                5                4                 4          10              9
                                                     2000-03                     4                6                7                6                 2           2              2

Aggregate dollar value of home purchase mortgages originated (000)*
                                          1997            6,586                              6,241          37,872           50,698            3,658       1,837,631    1,891,987
                                          2000          12,211                              10,045          54,547           76,803            5,066       2,521,974    2,603,844
                                          2003          24,440                              17,455          81,661          123,556            7,243       3,156,406    3,287,205

     % change                                        1997-00                   85               61               44                 51           39              37              38
                                                     2000-03                  100               74               50                 61           43              25              26

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

                                                         1997                 278              676            1,954             970              628           4,395        3,973
                                                         2000                 539            1,148            2,837           1,517              897           5,912        5,392
                                                         2003               1,128            2,109            4,282           2,521            1,323           7,255        6,715

     Change in rate                                  1997-00                  260              472              883             547             269            1,517        1,419
                                                     2000-03                  589              962            1,445           1,005             426            1,343        1,323

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 13 of 37                                                                                                                                            Revised 9/24/04
MAKING CONNECTIONS AREA COMPARISONS — Hartford, CT NECMA
PART A4 - CONTEXT INDICATORS, ZIP CODE LEVEL DATA SOURCES

                                                                                Central County
                                                                  Core Zip                                                    Total
                                                                                  Remaining
                                                                   Code                          County Total   Suburbs     Metro Area
                                                                                  Zip Codes
                                                                   Area
Household and population**
   Total returns                                          2001        36,211         384,503        420,714      141,768      562,482
   Pct. change in total returns                        1998-01              2               3              3            5            3

    Total exemptions                                      2001        68,076         791,897        859,973      292,463    1,152,436
    Pct. change in total exemptions                    1998-01              7              16             15           16           15

    Total dependent exemptions                            2001        24,996         211,553        236,549       76,853      313,402
    Pct. change in dependent exemptions                1998-01              1               6              5            5            5

Pct of returns by AGI Ranges*
    Less than 10,000                                      2001             27              17              18         16            18
    10,000 to 19,999                                      2001             25              13              14         12            14
    20,000 to 29,999                                      2001             20              12              13         11            12
    30,000 to 49,999                                      2001             17              19              19         18            19
    50,000 to 99,999                                      2001              9              25              24         29            25
    Greater than 100,000                                  2001              2              13              12         14            12
Change in pct of returns by AGI Ranges*
   Less than 10,000                                    1999-01           -4.0            -1.5            -1.7        -1.3          -1.6
   10,000 to 19,999                                    1999-01           -0.1            -0.5            -0.5        -0.5          -0.5
   20,000 to 29,999                                    1999-01            0.9            -0.5            -0.4        -0.6          -0.5
   30,000 to 49,999                                    1999-01            2.0             0.3             0.4        -0.5           0.2
   50,000 to 99,999                                    1999-01            1.1             0.8             0.9         0.7           0.8
   Greater than 100,000                                1999-01            0.2             1.4             1.3         2.2           1.5

Pct. of returns by Filing Status*
     Single                                               2001             52              48              49         47            48
     Married-joint or widow(er)                           2001             14              39              37         43            39
     Married-separate                                     2001              2               2               2          2             2
     Head of household                                    2001             32              11              13          8            11

Change in pct. of returns by Filing Status*
   Single                                              1999-01            0.2            -0.1            -0.1         0.0          -0.1
   Married-joint or widow(er)                          1999-01           -0.4            -0.5            -0.4        -0.2          -0.4
   Married-separate                                    1999-01           -0.1             0.1             0.1         0.0           0.1
   Head of household                                   1999-01            0.3             0.5             0.4         0.1           0.4

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 14 of 37                                                                                                                 Revised 9/24/2004
MAKING CONNECTIONS SUB-NEIGHBORHOOD COMPARISONS — Hartford, CT
PART B1 - CORE RESULTS INDICATORS, CENSUS TRACT LEVEL

                                                                     Making             Making Connections Neighborhoods
                                                 City Total        Connections                  Clay
                                                                                 Asylum Hill            Frog Hollow NorthEast
                                                                      Area                    Arsenal
1.0 EARNINGS AND INCOME
1.1 Parents and young adults employed
    % female age 16+ employed             1980                49            44           58         27          38          44
                                          1990                50            42           60         28          30          41
                                          2000                46            43           47         37          42          43

    % male age 16+ employed               1980                63            59           71         38          63          56
                                          1990                59            55           72         43          54          44
                                          2000                51            46           54         32          47          50

    % total pop. age 16+ employed         1980                56            51           64         32          49          49
                                          1990                54            48           66         34          41          42
                                          2000                48            45           50         35          44          46

    % of children, one or more            1990                60            49           77         34          41          49
     parents in labor force               2000                71            67           75         56          64          67

    % pop. age 16-19 employed             1990                82            76           75         71          72          76
     or in school                         2000                80            77           76         76          69          78

1.2 Parents in jobs providing family supporting wages, benefits, and career advancement opportunities
    % managerial/professional             1980                21            17           32          6          15          14
     employment                           1990                24            22           27         15          21          18
                                          2000                22            20           22         13          20          18

1.3 Family income and earnings
    Avg. family income (1999 $ 000)       1980                38            29           33         22          30          29
                                          1990                42            29           37         21          27          28
                                          2000                38            29           30         22          27          33

    % chg. avg. income                 1980-90                 9             1           11         -6          -9          -5
      (1999 $ 000)                     1990-00                -9            -1          -19          6          -1          19

    % persons in poverty                  1980                25            38           25         56          36          38
                                          1990                28            39           24         54          45          43
                                          2000                31            40           39         50          45          38

    % children (<age 18) in poverty       1990                44            56           36         70          61          62
                                          2000                41            50           49         56          58          49

    % fam.w/children in poverty           1980                33            47           41         60          48          44
                                          1990                36            49           32         62          56          53
                                          2000                36            45           48         51          50          43

    % persons < 200% of poverty           1990                46            60           43         74          66          66
                                          2000                55            65           63         77          73          61

1.4 Stable labor force attachment of parents
    % of employed working 35+ hrs/wk      1990                62            63           69         57          61          58
      & 40+wks/yr in 1999                 2000                60            57           59         49          52          56




    Page 15 of 37                                                                                                     Revised 9/24/2004
MAKING CONNECTIONS SUB-NEIGHBORHOOD COMPARISONS — Hartford, CT
PART B1 - CORE RESULTS INDICATORS, CENSUS TRACT LEVEL

                                                                        Making             Making Connections Neighborhoods
                                                    City Total        Connections                  Clay
                                                                                    Asylum Hill            Frog Hollow NorthEast
                                                                         Area                    Arsenal
2.0 ASSETS
2.1 Level of family savings and percent of families that save
    % HH with interest, dividends           1980                 31            20           33          7          26           9
       or net rental income                 1990                 25            16           26          9          16          10
                                            2000                 16            10           10          6          14           9

    Avg. interest/dividend/rental           1980                 6              6            7          5           5           4
    income (1999 $ 000)                     1990                 7              5            5          4           7           4
                                            2000                 9              7            9          4           4          13

2.2 Families that own their own homes and other assets such as cars
    Homeownership rate                      1980                 23            10            5          7          12          17
                                            1990                 24            13           11          8           8          20
                                            2000                 25            13            8         11           7          24

    Homeownership rate for poor HH          2000                 9              6            2          4           2          13

    Homeownership rate                      2000                 19             9            2         10           3          16
     for families with children

    Average value owner occ.                1990            191               166          201        145         205         144
     single-family units (2000$,000)        2000            116               118          116         92          88         131
       % real change                     1990-00            -39               -29          -42        -37         -57          -9

    Median value purchase loans*            1997             78                52           46         74          48          57
      (2003$ 000)                           2000             92                72           48         69          91          69
                                            2003            119                99           79         91         130          90
       % real change                     1997-00                 18            39            5         -6          89          22
                                         2000-03                 30            38           63         31          43          30

    % households w/vehicle                  1990                 61            46           59         30          45          43
                                            2000                 64            52           54         45          54          55

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                 44            52           50         54          54          51
        >30% income for housing             2000                 43            44           47         40          46          45
    % households paying                     2000                 23            25           27         20          27          27
        >50% income for housing

    % renter households paying              1990                 46            52           50         55          54          52
        >30% income for housing             2000                 45            45           47         41          46          45
    % renter households paying              2000                 26            26           27         21          27          27
        >50% income for housing

    % owner households paying               1990                 29            41           46         12          60          46
       >30% income for housing              2000                 31            33           28         20          22          40
    % owner households paying               2000                 12            15            0          5          15          23
       >50% income for housing

    Avg. gross rent for HH paying           1990            654               615          657        481         685         520
     cash rent (2000 $ 000)                 2000            556               506          517        385         562         495
      % real change                      1990-00            -15               -18          -21        -20         -18          -5




     Page 16 of 37                                                                                                       Revised 9/24/2004
MAKING CONNECTIONS SUB-NEIGHBORHOOD COMPARISONS — Hartford, CT
PART B1 - CORE RESULTS INDICATORS, CENSUS TRACT LEVEL

                                                                                              Making             Making Connections Neighborhoods
                                                                        City Total          Connections                  Clay
                                                                                                          Asylum Hill            Frog Hollow NorthEast
                                                                                               Area                    Arsenal
2.4 Families access to reasonably priced housing, consumer goods and financial services
     Denial rates for home purchase                          1997                     22             25           16             50               38          24
      mortgage applications*                                 2000                     32             37           35             59               26          35
                                                             2003                     24             28           22             43               30          25
         % point change                                 1997-00                         9            12           20              9               -12         11
                                                        2000-03                        -7            -8          -14            -17                 4        -10

     Pct. of refinance mortgages                             1997                     35             42           36             43               23          52
       from subprime lenders*                                2000                     51             60           69             64               57          68
                                                             2002                     33             34           22             42               26          41
         % point change                                 1997-00                        16            18           33             21                34         16
                                                        2000-02                       -18           -26          -47            -23               -31        -27

     Pct. of purchase mortgages                              1997                     15             22            9              0               33          32
       from subprime lenders*                                2000                     22             35           26             40               37          32
                                                             2002                     30             37           21             60               43          56
         % point change                                 1997-00                        7             14           16             40                4           0
                                                        2000-02                        9              1           -5             20                6          23

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
      in first trimester                             1998/00                          na             na           na             na               na          na
        % point change                               1995-00                          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
                                                     1998/00                          na             na           na             na               na          na
         % point change                              1995-00                          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
                                                     1998/00                          na             na           na             na               na          na
         % point change                              1995-00                          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                     76             76           65             75               74          90
       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 2002 dollars.
  ** Local administrative vital statistics files as compiled by the Urban Institute
     See "Notes" worksheet for additional documentation about calculations and indicators.




      Page 17 of 37                                                                                                                                     Revised 9/24/2004
MAKING CONNECTIONS SUB-NEIGHBORHOOD COMPARISONS — Hartford, CT
PART B1 - CORE RESULTS INDICATORS, CENSUS TRACT LEVEL

                                                                     Making           Making Connections Neighborhoods
                                                 City Total        Connections
                                                                                 Sheldon Charter    South Green   Upper Albany
                                                                      Area
1.0 EARNINGS AND INCOME
1.1 Parents and young adults employed
    % female age 16+ employed             1980                49            44                35             34              53
                                          1990                50            42                33             43              50
                                          2000                46            43                41             40              46

    % male age 16+ employed               1980                63            59                57             54              58
                                          1990                59            55                49             60              52
                                          2000                51            46                38             48              42

    % total pop. age 16+ employed         1980                56            51                44             43              55
                                          1990                54            48                40             51              51
                                          2000                48            45                40             44              45

    % of children, one or more            1990                60            49                31             34              69
     parents in labor force               2000                71            67                65             65              74

    % pop. age 16-19 employed             1990                82            76                66             57              91
     or in school                         2000                80            77                76             82              89

1.2 Parents in jobs providing family supporting wages, benefits, and career advancement opportunities
    % managerial/professional             1980                21            17                11             17               8
     employment                           1990                24            22                28             29              15
                                          2000                22            20                31             19              18

1.3 Family income and earnings
    Avg. family income (1999 $ 000)       1980                38            29                27             20              34
                                          1990                42            29                27             30              36
                                          2000                38            29                24             33              34

    % chg. avg. income                 1980-90                 9             1                  1            50               5
      (1999 $ 000)                     1990-00                -9            -1                -11            11              -6

    % persons in poverty                  1980                25            38                41             48              34
                                          1990                28            39                47             39              30
                                          2000                31            40                40             37              33

    % children (<age 18) in poverty       1990                44            56                72             54              37
                                          2000                41            50                49             50              39

    % fam.w/children in poverty           1980                33            47                50             78              36
                                          1990                36            49                61             46              33
                                          2000                36            45                43             41              37

    % persons < 200% of poverty           1990                46            60                63             60              53
                                          2000                55            65                69             65              52

1.4 Stable labor force attachment of parents
    % of employed working 35+ hrs/wk      1990                62            63                58             60              70
      & 40+wks/yr in 1999                 2000                60            57                55             67              62




    Page 18 of 37                                                                                                        Revised 9/24/2004
MAKING CONNECTIONS SUB-NEIGHBORHOOD COMPARISONS — Hartford, CT
PART B1 - CORE RESULTS INDICATORS, CENSUS TRACT LEVEL

                                                                        Making           Making Connections Neighborhoods
                                                    City Total        Connections
                                                                                    Sheldon Charter   South Green   Upper Albany
                                                                         Area
2.0 ASSETS
2.1 Level of family savings and percent of families that save
    % HH with interest, dividends           1980                 31            20                20            21              14
       or net rental income                 1990                 25            16                17            14              13
                                            2000                 16            10                17            12               9

    Avg. interest/dividend/rental           1980                 6              6                 6             2                  6
    income (1999 $ 000)                     1990                 7              5                 4             4                  4
                                            2000                 9              7                 5            13                  4

2.2 Families that own their own homes and other assets such as cars
    Homeownership rate                      1980                 23            10                 3             1              19
                                            1990                 24            13                 7             7              21
                                            2000                 25            13                 5            12              24

    Homeownership rate for poor HH          2000                 9              6                 4             3              10

    Homeownership rate                      2000                 19             9                 2             4              19
     for families with children

    Average value owner occ.                1990            191               166               170           165             185
     single-family units (2000$,000)        2000            116               118               113           213             114
       % real change                     1990-00            -39               -29               -34            29             -38

    Median value purchase loans*            1997             78                52                48            27              57
      (2003$ 000)                           2000             92                72                61            49              92
                                            2003            119                99                82            76             120
       % real change                     1997-00                 18            39                28            82              60
                                         2000-03                 30            38                33            55              30

    % households w/vehicle                  1990                 61            46                36            49              45
                                            2000                 64            52                42            49              57

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                 44            52                42            54              56
        >30% income for housing             2000                 43            44                43            39              42
    % households paying                     2000                 23            25                25            27              23
        >50% income for housing

    % renter households paying              1990                 46            52                43            54              57
        >30% income for housing             2000                 45            45                43            39              43
    % renter households paying              2000                 26            26                24            27              25
        >50% income for housing

    % owner households paying               1990                 29            41                 0             0              38
       >30% income for housing              2000                 31            33                55             0              30
    % owner households paying               2000                 12            15                55             0                  8
       >50% income for housing

    Avg. gross rent for HH paying           1990            654               615               505           690             720
     cash rent (2000 $ 000)                 2000            556               506               472           496             553
      % real change                      1990-00            -15               -18                -7           -28             -23




     Page 19 of 37                                                                                                          Revised 9/24/2004
MAKING CONNECTIONS SUB-NEIGHBORHOOD COMPARISONS — Hartford, CT
PART B1 - CORE RESULTS INDICATORS, CENSUS TRACT LEVEL

                                                                                              Making           Making Connections Neighborhoods
                                                                        City Total          Connections
                                                                                                          Sheldon Charter     South Green         Upper Albany
                                                                                               Area
2.4 Families access to reasonably priced housing, consumer goods and financial services
     Denial rates for home purchase                          1997                     22             25                 25                  10               26
      mortgage applications*                                 2000                     32             37                  8                  46               42
                                                             2003                     24             28                 29                  26               34
         % point change                                 1997-00                         9            12                 -17                  36              16
                                                        2000-03                        -7            -8                  21                 -20              -8

     Pct. of refinance mortgages                             1997                     35             42                  0                  100              50
       from subprime lenders*                                2000                     51             60                  0                   67              48
                                                             2002                     33             34                 20                   50              36
         % point change                                 1997-00                        16            18                  0                  -33              -2
                                                        2000-02                       -18           -26                 20                  -17             -13

     Pct. of purchase mortgages                              1997                     15             22                  0                  25               18
       from subprime lenders*                                2000                     22             35                  0                  38               63
                                                             2002                     30             37                 26                   0               32
         % point change                                 1997-00                        7             14                  0                   13              45
                                                        2000-02                        9              1                 26                  -38             -32

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
      in first trimester                             1998/00                          na             na                 na                  na               na
        % point change                               1995-00                          na             na                 na                  na               na

6.2 Children born with low birthweight
     % births with low birthweight**                 1995/97                          na             na                 na                  na               na
                                                     1998/00                          na             na                 na                  na               na
         % point change                              1995-00                          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
                                                     1998/00                          na             na                 na                  na               na
         % point change                              1995-00                          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                     76             76                 82                  100              63
       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 2002 dollars.
  ** Local administrative vital statistics files as compiled by the Urban Institute
     See "Notes" worksheet for additional documentation about calculations and indicators.




      Page 20 of 37                                                                                                                                      Revised 9/24/2004
MAKING CONNECTIONS ZIP CODE COMPARISONS — Hartford, CT NECMA
PART B2- CORE RESULTS INDICATORS, ZIP CODE LEVEL DATA SOURCES

                                                                          Central        Core                Core Zip Codes
                                                                          County      Zip Codes    06105     06106 06112        06120
1.1 Parents and young adults employed

    Pct returns with salaries and wages**                          2001         84            92       91        91       93         95
      Change in pct. returns with salaries/wages                1998-01        0.2          -0.1      0.1       0.1     -0.1       -0.5

    Pct returns with less than $25,000 AGI & salaries/wages**      2001          76           91       90         90      91         94
      Change in pct. returns with salaries/wages                1998-01        -0.1         -0.6     -0.6       -0.7    -0.5       -0.7

    Pct returns with business income (Schedule C)**                2001         12            8        10         7        7          7
      Change in pct. returns with business income               1998-01        0.1          1.4       0.9       1.4      1.2        2.2

    Pct returns with less than $25,000 AGI & business income**    2001           8            7         8         7        7          7
      Change in pct. returns with business income              1998-01         0.6          1.8       1.6       1.8      1.9        2.1

1.3 Family income and earnings
    Ave. Adj. Gross income for IRS returns (000)**                 2001         55           27        38        26       24         19
      Pct real change in average AGI                            1998-01        1.5          5.4       6.9       5.6      2.1        6.2

    Ave. amount of salaries/wages for IRS returns**                2001         49           25        33        24       23         18
      Pct real change in avg. salaries/wages                    1998-01        2.6          5.7       9.2       5.6      1.7        4.5


2.0 ASSETS
2.1 Level of family savings and percent of families that save
    % IRS returns with capital gains (Schedule D)*                 2001          17            5        8          5       3          2
      Change in percent returns with capital gains              1999-01        -5.9         -1.1     -2.8       -0.7    -0.8        0.2

    % IRS low-income returns with capital gains*                   2001          11           2         4         2        1          1
      Change in percent returns with capital gains              1999-01        -2.1         0.2      -0.3       0.4      0.1        0.4

    % IRS returns with taxable interest income**                   2001          66           29       34         30      28         15
      Change in percent returns with taxable interest           1998-01        -1.1         -1.5     -1.1       -2.2    -0.8       -2.0

    Ave. taxable interest on returns claiming interest**           2001      2,350        1,622     2,018     2,198      531       589
      Pct. real change in ave. taxable interest                 1998-01        -2.9         -3.6      -6.0      -1.7   -10.9       -0.2

    % IRS returns w/<$25,000 AGI & taxable interest income**       2001          44           17       20         17      17          9
      Change in percent returns with taxable interest           1998-01        -2.0         -1.8     -0.7       -2.2    -1.8       -2.6

    Ave. taxable interest on returns w/< $25,000 AGI**             2001      1,395          936     1,024     1,220      512        613
      Pct. real change in ave. taxable interest                 1998-01      -18.1        -16.2       -7.4    -21.6    -14.7      -12.4




Page 21 of 37                                                                                                                 Revised 9/24/2004
MAKING CONNECTIONS ZIP CODE COMPARISONS — Hartford, CT NECMA
PART B2- CORE RESULTS INDICATORS, ZIP CODE LEVEL DATA SOURCES

                                                                           Central        Core                Core Zip Codes
                                                                           County      Zip Codes    06105     06106 06112        06120
2.3 Eligible families filing for EITC and CDTC
    % estimated eligible IRS returns not filing for EITC***        2001          26           24        26        24       23         24

    % potentially-eligible returns who did not file for EITC*       2001         18           12        12         12      13         10
      Change in percent of potential EITC filers                 1999-01      -17.7        -11.3     -11.9      -11.6   -11.9       -8.7

    Ave. EITC amount on returns filing for EITC*                    2001      1,572        1,709     1,573     1,790    1,641      1,771
      Pct. Change in ave. amount of EITC                         1999-01        -3.8         -3.0      -1.0      -3.6     -4.6       -0.8

2.4 Families access to reasonably priced housing, consumer goods & financial services
    % IRS returns with direct deposit*                              2001         24           37        35        35       38         44
      Change in percent returns with direct deposit              1999-01        7.7         11.7      10.7      12.4     10.3       14.7

    % IRS low-income returns with direct deposit*                   2001         25           41        40        39       42         46
      Change in pct. low-income returns w/direct deposit         1999-01        7.8         13.3      12.1      14.0     11.9       16.3

    Percent of IRS low-income return preparation by*               2001
      Paid preparer                                                              44           46        44        47       48         46
      Self-prepared                                                              54           49        51        49       47         49
      Volunteer site                                                              3            5         5         4        5          5

    Pct. of low-income filers with a Refund Anticipation Loan*      2001         11           26        23        25       26         33
      Change in pct. low-income returns with RAL                 1999-01        3.4          8.7       7.4       9.2      6.9       13.5


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 22 of 37                                                                                                                  Revised 9/24/2004
MAKING CONNECTIONS SUB-NEIGHBORHOOD COMPARISONS — Hartford, CT
PART B3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL

                                                                       Making             Making Connections Neighborhoods
                                                   City Total        Connections                  Clay
                                                                                   Asylum Hill            Frog Hollow NorthEast
                                                                        Area                    Arsenal
Population
  Population (000)                         1980            136                60           10          7          11          15
                                           1990            140                62           12          8          11          14
                                           2000            122                50           11          6           9          10
   % change population                   1980-90              2                4           17          7           5          -7
                                         1990-00            -13              -20          -10        -20         -16         -27

   % population under age 18               1980                 29            35           16         48          35          43
                                           1990                 27            33           20         41          37          35
                                           2000                 30            34           26         40          37          35
   % change population under age 18      1980-90                -4            -4           42         -7          10         -24
                                         1990-00                -4           -17           16        -22         -17         -27

   % population age 65 or over             1980                 11             9           16          6          11           6
                                           1990                 10             7            8          5           8           8
                                           2000                 10             8            8          5           8          10

   Males/100 females, age 16-34            1980                 90            84          107         80          79          76
                                           1990                 97            92          115         77          95          80
                                           2000                 92            86           80         94          91          72

   % foreign-born                          1980                 18            13           17          3          22              7
                                           1990                 15            11           19          3           9              8
                                           2000                 19            14           21          7          12              9

   % pop age 5 and over in diff. house     1990                 55            57           70         42          72          46
       5 years ago                         2000                 54            56           70         51          64          40

Number of census tracts
  Total                                    2000                 43            21            4          3           3              5

   With 60%+ non-Hisp. black pop.          2000                 12             9            1          0           0              5
   With 60%+ Hispanic population           2000                 11             5            0          0           3              0

   With population growth>=1%            1980-90                26            12            3          2           3              1
                                         1990-00                10             1            0          0           0              1

   With income growth>=5%                1980-90                24            11            3          2           2              1
                                         1990-00                 9             5            0          0           1              2

Population by race/ethnicity
  % pop. black non-Hispanic                1980                 33            48           37         54           4          83
                                           1990                 36            50           51         46          10          77
                                           2000                 38            52           52         48          14          79

   % pop. white non-Hispanic               1980                 45            22           48          0          49              2
                                           1990                 31            11           25          1          19              1
                                           2000                 19             8           15          1          11              1

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

   % pop. Hispanic                         1980                 20            28           13         45          46          15
                                           1990                 31            37           21         52          68          21
                                           2000                 41            38           29         50          72          19




    Page 23 of 37                                                                                                        Revised 9/24/2004
MAKING CONNECTIONS SUB-NEIGHBORHOOD COMPARISONS — Hartford, CT
PART B3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL

                                                                     Making             Making Connections Neighborhoods
                                                 City Total        Connections                  Clay
                                                                                 Asylum Hill            Frog Hollow NorthEast
                                                                      Area                    Arsenal
Households (000)                         1980           51.0             22.9           6.1       2.2         4.1         4.7
                                         1990           51.6             23.4           6.4       2.4         3.8         4.8
                                         2000           45.0             19.2           5.3       2.1         3.2         3.6

Household types
  % Married with children                1990                 13             8            6          6          14              7
                                         2000                 11             7            6          7           8              6
   % Single parent with children         1990                 21            30           14         50          30          36
                                         2000                 24            28           19         39          31          34
   % Other Family                        1990                 27            22           16         23          20          28
                                         2000                 26            22           16         27          22          28
   % Non-family                          1990                 39            40           63         21          36          28
                                         2000                 39            42           59         27          40          32

Home purchase mortgage borrowers by race/ethnicity*
  % White                             1997                    21            26           50          0          33           9
                                      2003                    20            25           33          9          18          19

   % African-American                    1997                 44            62           27        100          44          82
                                         2003                 30            50           46         64          32          60

   % Asian                               1997                 2              0            0          0           0              0
                                         2003                 2              2            0          9           5              2

   % Hispanic                            1997                 29            11           23          0          22           6
                                         2003                 37            17           15          0          41          12

   % Other                               1997                  5             1            0          0           0              3
                                         2003                 12             6            7         18           5              7

Income
   Pct. home purchase mortgage borrowers by income level *
     Low-income (<80% of HAMFI)          1997              75               74           52        100          50          82
                                         2003              70               74           67         73          68          79
     Moderate (80-120% of HAMFI)         1997                 18            20           28          0          50          18
                                         2003                 23            19           25         18          23          19
     High Income (120%+ of HAMFI)        1997                 7              7           20          0           0              0
                                         2003                 8              7            8          9           9              2

   Median Income of home purchase        1997                 41            39           54         46          45          37
       borrowers (2003 $)*               2003                 48            45           45         40          54          46
   % real change                      1997-03                 16            15          -17        -13          18          24

Employment and labor force
  Employment (000)                       1980                 57            21            6          1           4              5
                                         1990                 57            21            6          2           3              4
                                         2000                 42            15            4          1           3              3

   % change employment                1980-90               0                0           13         24         -15         -12
                                      1990-00             -25              -26          -35        -16         -10         -21

   Unemployment rate                     1980                  8            11            5         23           9          13
                                         1990                 11            15            8         24          18          17
                                         2000                 16            17           13         21          16          17

   % college graduates                   1980                 12             9           23          2           8              5
                                         1990                 14            10           20          3          14              3
                                         2000                 12             9           17          3          10              6




     Page 24 of 37                                                                                                     Revised 9/24/2004
MAKING CONNECTIONS SUB-NEIGHBORHOOD COMPARISONS — Hartford, CT
PART B3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL

                                                                      Making             Making Connections Neighborhoods
                                                  City Total        Connections                  Clay
                                                                                  Asylum Hill            Frog Hollow NorthEast
                                                                       Area                    Arsenal
Social risk factors
  % households public assistance           1980                18            27           11         52          25          36
                                           1990                22            31           12         53          38          39
                                           2000                26            32           28         43          42          27

   % pop.>25 no HS degree                  1980                49            56           32         78          66          56
                                           1990                41            47           28         59          53          57
                                           2000                39            44           33         55          51          42

   % fam.w/kids, fem. head                 1980                48            61           54         69          55          63
                                           1990                58            71           60         83          62          77
                                           2000                60            71           67         76          69          76

Risk Factor Indexes (Highest risk = 100)
   Combined                                2000                90            94           81         99          97          96
     Lack employment                       2000                82            88           80         95          87          87
     Receive public assistance             2000                89            94           83         99          98          95
     Lack HS degree                        2000                86            89           75         96          95          90
     Female headed family                  2000                88            92           72         98          97          98

   Poverty index                           2000                85            94           92         98          97          94

Isolation indicators
   % occupied HU w/phone                   1990                86            78           83         75          73          81
                                           2000                94            92           93         88          93          92

   % pop. age 18-64 who speak              1990                 8            11            3         15          26              3
   English not well or not at all          2000                12            11            8         14          23              4

Housing conditions
  Occupied housing units (000)             1980           51.0             22.8          6.0        2.3         4.0         4.8
                                           1990           51.5             23.3          6.3        2.4         3.9         4.7
                                           2000           45.0             19.3          5.3        2.2         3.3         3.7

   Total rental units (000)                1980           41.4             21.9          6.4        2.3         3.7         4.1
                                           1990           42.8             22.5          6.3        2.3         4.0         4.2
                                           2000           37.5             18.7          5.5        2.1         3.3         3.2

   Rental vacancy rate                     1980                5              7           10          6           6           4
                                           1990                8             10           10          5          12          10
                                           2000                9             11           12          9           9          12

   % housing units built before 1960       2000                63            51           44         39          61          48

   % HU overcrowded                        1980                 7            10            5         18          10          11
                                           1990                 8            12            6         14          18          10
                                           2000                10            11           11         15          15          10

   % units lacking plumbing facilities     1980                3              3            3          3           5              2
                                           1990                1              2            1          4           4              2
                                           2000                2              2            1          5           3              2

HUD assisted as percent of 2000 occupied HU**

   Total                                   1998                17            25            9         38          15          44
   Public housing                          1998                 5             8            1         16           0          17
   Assisted/insured private                1998                 6            10            1         19           7          20
   Sec. 8 vouchers                         1998                 7             7            7          3           8           7




     Page 25 of 37                                                                                                      Revised 9/24/2004
MAKING CONNECTIONS SUB-NEIGHBORHOOD COMPARISONS — Hartford, CT
PART B3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL

                                                                                          Making             Making Connections Neighborhoods
                                                                    City Total          Connections                  Clay
                                                                                                      Asylum Hill            Frog Hollow NorthEast
                                                                                           Area                    Arsenal
Home mortgage lending

Total number of home purchase mortgages originated*
                                         1997                                 653               115               27              2              16         36
                                         2000                                 832               173               35             12              37         39
                                         2003                               1,098               261               62             18              38         79

     % change in number                              1997-00                     27              51               30            500             131         8
                                                     2000-03                     32              51               79             50               3       103

Total number of home purchase mortgages originated/1,000 housing units*
                                         1997              12                                     5                4               1              4          8
                                         2000              16                                     8                6               5             10          9
                                         2003              22                                    12               10               7             11         18

     Change in rate                                  1997-00                     4                3                 1              4              6          1
                                                     2000-03                     6                4                 5              3              1         10

Aggregate dollar value of home purchase mortgages originated (2003$ 000)*
                                          1997          50,698         6,586                                  1,542             38             1,045     2,194
                                          2000          76,803        12,211                                  1,875            881             3,132     2,614
                                          2003         123,556        24,440                                  5,132          1,751             4,717     6,564

     % change                                        1997-00                     51              85               22         2,229              200        19
                                                     2000-03                     61             100              174            99               51       151

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

                                                         1997                 970               278              236             15              267       465
                                                         2000               1,517               539              299            359              852       580
                                                         2003               2,521             1,128              852            723            1,371     1,526

     Change in rate                                  1997-00                  547               260               62            344             585       115
                                                     2000-03                1,005               589              553            364             518       947

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 26 of 37                                                                                                                                   Revised 9/24/2004
MAKING CONNECTIONS SUB-NEIGHBORHOOD COMPARISONS — Hartford, CT
PART B3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL

                                                                       Making           Making Connections
                                                   City Total        Connections   Sheldon     South      Upper
                                                                        Area       Charter     Green     Albany
Population
  Population (000)                         1980            136                60           4         3         9
                                           1990            140                62           5         3        10
                                           2000            122                50           3         3         7
   % change population                   1980-90              2                4           8        -1         5
                                         1990-00            -13              -20         -22       -22       -24

   % population under age 18               1980                 29            35          36        24        39
                                           1990                 27            33          30        30        35
                                           2000                 30            34          28        34        37
   % change population under age 18      1980-90                -4            -4         -11        23        -6
                                         1990-00                -4           -17         -25       -12       -21

   % population age 65 or over             1980                 11             9          16        10            5
                                           1990                 10             7          11         3            6
                                           2000                 10             8          10         4            9

   Males/100 females, age 16-34            1980                 90            84          66        81        82
                                           1990                 97            92          92        89        88
                                           2000                 92            86          92       133        82

   % foreign-born                          1980                 18            13          14        12        16
                                           1990                 15            11           5        10        21
                                           2000                 19            14          11        15        24

   % pop age 5 and over in diff. house     1990                 55            57          57        66        50
       5 years ago                         2000                 54            56          58        66        47

Number of census tracts
  Total                                    2000                 43            21           2         1            3

   With 60%+ non-Hisp. black pop.          2000                 12             9           0         0            3
   With 60%+ Hispanic population           2000                 11             5           1         1            0

   With population growth>=1%            1980-90                26            12           1         0            2
                                         1990-00                10             1           0         0            0

   With income growth>=5%                1980-90                24            11           1         1            1
                                         1990-00                 9             5           0         1            1

Population by race/ethnicity
  % pop. black non-Hispanic                1980                 33            48          20         9        79
                                           1990                 36            50          24        14        82
                                           2000                 38            52          28        17        89

   % pop. white non-Hispanic               1980                 45            22          30        41            4
                                           1990                 31            11          21        17            1
                                           2000                 19             8          17        15            1

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

   % pop. Hispanic                         1980                 20            28          49        50        16
                                           1990                 31            37          54        67        16
                                           2000                 41            38          53        64        10




    Page 27 of 37                                                                                                     Revised 9/24/2004
MAKING CONNECTIONS SUB-NEIGHBORHOOD COMPARISONS — Hartford, CT
PART B3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL

                                                                     Making           Making Connections
                                                 City Total        Connections   Sheldon     South      Upper
                                                                      Area       Charter     Green     Albany
Households (000)                         1980           51.0             22.9         1.6          1            3
                                         1990           51.6             23.4         1.8          1            3
                                         2000           45.0             19.2         1.5          1            3

Household types
  % Married with children                1990                 13             8           5        11        14
                                         2000                 11             7           8        10        11
   % Single parent with children         1990                 21            30          30        28        36
                                         2000                 24            28          25        28        29
   % Other Family                        1990                 27            22          17        22        28
                                         2000                 26            22          15        20        27
   % Non-family                          1990                 39            40          48        39        23
                                         2000                 39            42          51        42        33

Home purchase mortgage borrowers by race/ethnicity*
  % White                             1997                    21            26         100        75         5
                                      2003                    20            25          67        56        12

   % African-American                    1997                 44            62           0        25        89
                                         2003                 30            50          33         0        73

   % Asian                               1997                 2              0           0         0            0
                                         2003                 2              2           0         0            0

   % Hispanic                            1997                 29            11           0         0         5
                                         2003                 37            17           0        33        15

   % Other                               1997                  5             1           0         0            0
                                         2003                 12             6           0        11            0

Income
   Pct. home purchase mortgage borrowers by income level *
     Low-income (<80% of HAMFI)          1997              75               74         100        75        95
                                         2003              70               74          70        90        75
     Moderate (80-120% of HAMFI)         1997                 18            20           0        13         0
                                         2003                 23            19          20         0        14
     High Income (120%+ of HAMFI)        1997                 7              7           0        13         5
                                         2003                 8              7          10        10        11

   Median Income of home purchase        1997                 41            39          40        36        34
       borrowers (2003 $)*               2003                 48            45          49        44        37
   % real change                      1997-03                 16            15          21        22         8

Employment and labor force
  Employment (000)                       1980                 57            21           1         1            3
                                         1990                 57            21           1         1            3
                                         2000                 42            15           1         1            2

   % change employment                1980-90               0                0           6         7        -1
                                      1990-00             -25              -26         -24       -33       -33

   Unemployment rate                     1980                  8            11          10        12        12
                                         1990                 11            15          16        12        19
                                         2000                 16            17          27        24        13

   % college graduates                   1980                 12             9           5        10            3
                                         1990                 14            10          14        16            4
                                         2000                 12             9           9         9            5




     Page 28 of 37                                                                                                  Revised 9/24/2004
MAKING CONNECTIONS SUB-NEIGHBORHOOD COMPARISONS — Hartford, CT
PART B3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL

                                                                      Making           Making Connections
                                                  City Total        Connections   Sheldon     South      Upper
                                                                       Area       Charter     Green     Albany
Social risk factors
  % households public assistance           1980                18            27          31        29        29
                                           1990                22            31          34        34        27
                                           2000                26            32          34        45        23

   % pop.>25 no HS degree                  1980                49            56          61        56        61
                                           1990                41            47          54        47        45
                                           2000                39            44          51        47        41

   % fam.w/kids, fem. head                 1980                48            61          60        67        60
                                           1990                58            71          80        68        68
                                           2000                60            71          70        66        68

Risk Factor Indexes (Highest risk = 100)
   Combined                                2000                90            94          98        98        95
     Lack employment                       2000                82            88          94        90        89
     Receive public assistance             2000                89            94          97        99        91
     Lack HS degree                        2000                86            89          95        93        89
     Female headed family                  2000                88            92          94        96        96

   Poverty index                           2000                85            94          95        94        90

Isolation indicators
   % occupied HU w/phone                   1990                86            78          73        73        77
                                           2000                94            92          91        87        93

   % pop. age 18-64 who speak              1990                 8            11          17        18            6
   English not well or not at all          2000                12            11          17        21            3

Housing conditions
  Occupied housing units (000)             1980           51.0             22.8         1.7         1            3
                                           1990           51.5             23.3         1.8         1            3
                                           2000           45.0             19.3         1.5         1            3

   Total rental units (000)                1980           41.4             21.9         1.6         1            2
                                           1990           42.8             22.5         1.8         1            3
                                           2000           37.5             18.7         1.5         1            2

   Rental vacancy rate                     1980                5              7           2         6         6
                                           1990                8             10           8        12         8
                                           2000                9             11           8        12        14

   % housing units built before 1960       2000                63            51          49        68        61

   % HU overcrowded                        1980                 7            10          14         8        13
                                           1990                 8            12          13        19        11
                                           2000                10            11          10        11         9

   % units lacking plumbing facilities     1980                3              3           0         7            5
                                           1990                1              2           1         2            4
                                           2000                2              2           2         1            1

HUD assisted as percent of 2000 occupied HU**

   Total                                   1998                17            25          49        12        22
   Public housing                          1998                 5             8          24         0         7
   Assisted/insured private                1998                 6            10          19         0         8
   Sec. 8 vouchers                         1998                 7             7           5        12         8




     Page 29 of 37                                                                                                   Revised 9/24/2004
MAKING CONNECTIONS SUB-NEIGHBORHOOD COMPARISONS — Hartford, CT
PART B3 - CONTEXT INDICATORS, CENSUS TRACT LEVEL

                                                                                          Making             Making Connections
                                                                    City Total          Connections     Sheldon     South      Upper
                                                                                           Area         Charter     Green     Albany
Home mortgage lending

Total number of home purchase mortgages originated*
                                         1997                                 653               115                3           10              21
                                         2000                                 832               173               10           11              29
                                         2003                               1,098               261               11           15              38

     % change in number                              1997-00                     27              51              233           10              38
                                                     2000-03                     32              51               10           36              31

Total number of home purchase mortgages originated/1,000 housing units*
                                         1997              12                                     5                 2           9               7
                                         2000              16                                     8                 6          11               9
                                         2003              22                                    12                 7          16              13

     Change in rate                                  1997-00                     4                3                 4            2             3
                                                     2000-03                     6                4                 1            5             3

Aggregate dollar value of home purchase mortgages originated (2003$ 000)*
                                          1997          50,698         6,586                                     164          334           1,269
                                          2000          76,803        12,211                                     604          543           2,561
                                          2003         123,556        24,440                                     818        1,155           4,303

     % change                                        1997-00                     51              85              268           63            102
                                                     2000-03                     61             100               36          113             68

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

                                                         1997                 970               278               95          293             402
                                                         2000               1,517               539              370          522             831
                                                         2003               2,521             1,128              533        1,229           1,434

     Change in rate                                  1997-00                  547               260              275          229            430
                                                     2000-03                1,005               589              164          707            603

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 30 of 37                                                                                                                                Revised 9/24/2004
MAKING CONNECTIONS ZIP CODE COMPARISONS — Hartford, CT NECMA
PART B4 - CONTEXT INDICATORS, ZIP CODE LEVEL DATA SOURCES

                                                                                     Core                 Core Zip Codes
                                                                   Central
                                                                                  Zip Codes
                                                                   County                       06105     06106     06112      06120
                                                                                     Total
Household and population**
   Total returns                                          2001      420,714          36,211      8,345    14,298     9,684      3,884
   Pct. change in total returns                        1998-01             3               2          3         4         1         -1

    Total exemptions                                      2001      859,973          68,076     14,050    27,755    18,574      7,697
    Pct. change in total exemptions                    1998-01            15               7          9         9         5          1

    Total dependent exemptions                            2001      236,549          24,996      4,141    10,252     7,204      3,399
    Pct. change in dependent exemptions                1998-01             5               1          3         2        -2         -3

Pct of returns by AGI Ranges*
    Less than 10,000                                      2001               18           27        23        27        27          36
    10,000 to 19,999                                      2001               14           25        23        26        24          28
    20,000 to 29,999                                      2001               13           20        20        20        21          18
    30,000 to 49,999                                      2001               19           17        19        17        18          14
    50,000 to 99,999                                      2001               24            9        10         9         9           4
    Greater than 100,000                                  2001               12            2         5         1         1           0
Change in pct of returns by AGI Ranges*
   Less than 10,000                                    1999-01           -1.7            -4.0      -3.6      -4.3      -3.5       -4.7
   10,000 to 19,999                                    1999-01           -0.5            -0.1      -0.9       0.3      -0.3        0.5
   20,000 to 29,999                                    1999-01           -0.4             0.9       0.6       1.1       0.9        1.0
   30,000 to 49,999                                    1999-01            0.4             2.0       2.1       1.7       2.0        2.6
   50,000 to 99,999                                    1999-01            0.9             1.1       1.5       1.1       0.9        0.5
    Greater than 100,000                               1999-01            1.3             0.2       0.4       0.1       0.1        0.0

Pct. of returns by Filing Status*
     Single                                               2001               49           52        61        51        47          49
     Married-joint or widow(er)                           2001               37           14        14        16        13           9
     Married-separate                                     2001                2            2         2         2         2           2
     Head of household                                    2001               13           32        23        30        38          40

Change in pct. of returns by Filing Status*
   Single                                              1999-01           -0.1             0.2       0.3       0.0       0.4        0.0
   Married-joint or widow(er)                          1999-01           -0.4            -0.4       0.3      -0.4      -1.1       -0.4
   Married-separate                                    1999-01            0.1            -0.1      -0.3       0.0       0.0       -0.3
   Head of household                                   1999-01            0.4             0.3      -0.3       0.3       0.7        0.6

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 31 of 37                                                                                                               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 32 of 37                                                                                      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 33 of 37                                                                                      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 34 of 37                                                                                       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 35 of 37                                                                                         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 36 of 37                                                                            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 37 of 37                                                                                 Revised 9/24/04

				
DOCUMENT INFO
Description: Unemployed Home Mortgage Refinance document sample