Read 2011 Detailed State and MSA Tables (Appendices H-I - FDIC

261 Pages·2012·5.5 MB·English

Appendices H and I
of the 2011 FDIC
National Survey of
Unbanked and
Underbanked
Households
Detailed State and MSA Tables
Federal Deposit
Insurance Corporation
September 2012
Members of the FDIC Unbanked/Underbanked Survey Study Group
Division of Depositor and Consumer Protection: Susan Burhouse, Sarah Campbell, Timothy Critchfield, Keith Ernst,
Ryan Goodstein, Yazmin Osaki, Luke Reynolds, and Sherrie Rhine
Division of Insurance and Research: David Chapman, Eric Robbins, and Katherine Samolyk
Legal Division: Leneta Gregorie
Lead Authors
Susan Burhouse and Yazmin Osaki
Lead Statistical Analysts and Advisors
Sarah Campbell, David Chapman, and Ryan Goodstein
Contributors:
Michael Bachman, Karyen Chu, Peggi Gill, Anirudh Sarna, Francis Solomon, David Spanburg, Masseh Tahiry, and
Kathy Zeidler
2011 FDIC NatIoNal Survey oF uNbaNkeD aND uNDerbaNkeD HouSeHolDS • September 2012 2
Appendix H - Detailed State Tables
2011 FDIC NatIoNal Survey oF uNbaNkeD aND uNDerbaNkeD HouSeHolDS • September 2012 3
Table H-1 2011 Household Banking Status by State
Has a Bank Account
Banked but
Underbanked
All Households Unbanked Underbanked Fully Banked Status Unknown
Number Pct of Number Pct of Number Pct of Number Pct of Number Pct of
Geography (1000s) Row (1000s) Row (1000s) Row (1000s) Row (1000s) Row
All US Households 120,408 100.0 9,875 8.2 24,199 20.1 82,830 68.8 3,504 2.9
Midwest 26,900 100.0 1,920 7.1 4,772 17.7 19,379 72.0 828 3.1
Illinois 4,956 100.0 374 7.6 879 17.7 3,546 71.6 156 3.2
Indiana 2,560 100.0 201 7.8 489 19.1 1,817 71.0 53 2.1
Iowa 1,244 100.0 54 4.4 215 17.2 932 74.9 43 3.5
Kansas 1,136 100.0 81 7.1 223 19.7 814 71.6 18 1.6
Michigan 3,969 100.0 307 7.7 685 17.3 2,824 71.2 153 3.9
Minnesota 2,163 100.0 90 4.1 272 12.6 1,763 81.5 38 1.8
Missouri 2,490 100.0 237 9.5 514 20.6 1,681 67.5 59 2.4
Nebraska 734 100.0 27 3.7 130 17.8 559 76.2 17 2.3
North Dakota 283 100.0 15 5.3 51 18.0 210 74.4 6 2.3
Ohio 4,719 100.0 414 8.8 912 19.3 3,172 67.2 220 4.7
South Dakota 329 100.0 15 4.4 72 22.0 236 71.6 6 1.9
Wisconsin 2,316 100.0 105 4.5 329 14.2 1,823 78.7 58 2.5
Northeast 21,784 100.0 1,537 7.1 3,908 17.9 15,675 72.0 664 3.0
Connecticut 1,365 100.0 73 5.3 208 15.2 1,056 77.3 28 2.1
Maine 546 100.0 20 3.7 104 19.0 413 75.6 9 1.7
Massachusetts 2,614 100.0 128 4.9 369 14.1 2,029 77.6 88 3.4
New Hampshire 526 100.0 10 1.9 66 12.5 439 83.5 11 2.1
New Jersey 3,202 100.0 212 6.6 621 19.4 2,297 71.7 73 2.3
New York 7,677 100.0 740 9.6 1,487 19.4 5,159 67.2 291 3.8
Pennsylvania 5,161 100.0 315 6.1 931 18.0 3,771 73.1 143 2.8
Rhode Island 423 100.0 30 7.0 75 17.8 304 71.8 14 3.4
Vermont 269 100.0 9 3.4 47 17.4 207 77.1 6 2.1
South 44,920 100.0 4,493 10.0 10,429 23.2 28,772 64.1 1,226 2.7
Alabama 1,889 100.0 193 10.2 544 28.8 1,099 58.2 53 2.8
Arkansas 1,142 100.0 141 12.3 321 28.1 658 57.6 22 1.9
Delaware 346 100.0 23 6.7 54 15.5 262 75.9 7 1.9
District of Columbia 281 100.0 31 10.9 63 22.3 180 63.9 8 2.9
Florida 7,801 100.0 570 7.3 1,645 21.1 5,309 68.1 277 3.5
Georgia 3,834 100.0 442 11.5 1,026 26.8 2,248 58.6 118 3.1
Kentucky 1,819 100.0 179 9.9 391 21.5 1,225 67.3 24 1.3
Louisiana 1,816 100.0 209 11.5 495 27.2 1,066 58.7 46 2.6
Maryland 2,170 100.0 123 5.6 461 21.2 1,528 70.4 59 2.7
Mississippi 1,143 100.0 173 15.1 269 23.6 696 60.9 6 0.5
North Carolina 3,878 100.0 359 9.3 840 21.7 2,579 66.5 100 2.6
Oklahoma 1,503 100.0 164 10.9 349 23.2 935 62.2 54 3.6
South Carolina 1,787 100.0 166 9.3 369 20.6 1,219 68.2 34 1.9
Tennessee 2,605 100.0 283 10.9 473 18.1 1,818 69.8 31 1.2
Texas 9,136 100.0 1,167 12.8 2,481 27.2 5,309 58.1 180 2.0
Virginia 3,008 100.0 199 6.6 503 16.7 2,138 71.1 168 5.6
West Virginia 762 100.0 72 9.5 146 19.2 505 66.3 39 5.1
West 26,804 100.0 1,925 7.2 5,090 19.0 19,005 70.9 784 2.9
Alaska 276 100.0 14 5.2 56 20.2 196 71.0 10 3.6
Arizona 2,622 100.0 304 11.6 537 20.5 1,734 66.1 46 1.8
California 13,191 100.0 1,030 7.8 2,374 18.0 9,355 70.9 432 3.3
Colorado 1,974 100.0 107 5.4 317 16.1 1,510 76.5 40 2.0
Hawaii 443 100.0 17 3.8 89 20.0 313 70.7 24 5.5
Idaho 589 100.0 33 5.7 112 19.0 432 73.3 12 2.0
Montana 426 100.0 21 4.8 93 22.0 303 71.2 9 2.0
Nevada 1,035 100.0 77 7.5 323 31.2 600 58.0 35 3.3
New Mexico 816 100.0 94 11.5 193 23.6 494 60.6 35 4.3
Oregon 1,522 100.0 65 4.3 219 14.4 1,195 78.5 44 2.9
Utah 926 100.0 26 2.8 195 21.0 694 74.9 12 1.2
Washington 2,748 100.0 123 4.5 533 19.4 2,012 73.2 80 2.9
Wyoming 236 100.0 14 5.8 50 21.1 167 70.6 6 2.6
Notes:
Figures do not always reconcile to totals because of rounding.
2011 FDIC NatIoNal Survey oF uNbaNkeD aND uNDerbaNkeD HouSeHolDS • September 2012 4
Table H-2 2009 Household Banking Status by State
Has a Bank Account
Banked but
Underbanked
All Households Unbanked Underbanked Fully Banked Status Unknown
Number Pct of Number Pct of Number Pct of Number Pct of Number Pct of
Geography (1000s) Row (1000s) Row (1000s) Row (1000s) Row (1000s) Row
All US Households 119,001 100.0 9,054 7.6 21,693 18.2 84,917 71.4 3,336 2.8
Midwest 26,601 100.0 1,615 6.1 4,579 17.2 19,797 74.4 609 2.3
Illinois 4,915 100.0 301 6.1 780 15.9 3,737 76.0 97 2.0
Indiana 2,445 100.0 178 7.3 414 17.0 1,803 73.8 49 2.0
Iowa 1,231 100.0 58 4.7 208 16.9 950 77.2 14 1.2
Kansas 1,149 100.0 74 6.4 201 17.5 848 73.9 25 2.2
Michigan 3,971 100.0 264 6.6 670 16.9 2,893 72.8 145 3.7
Minnesota 2,135 100.0 55 2.6 238 11.2 1,811 84.8 30 1.4
Missouri 2,487 100.0 203 8.2 485 19.5 1,738 69.9 61 2.5
Nebraska 710 100.0 37 5.1 106 15.0 556 78.4 11 1.5
North Dakota 277 100.0 13 4.6 53 19.2 205 74.2 5 2.0
Ohio 4,621 100.0 319 6.9 994 21.5 3,160 68.4 148 3.2
South Dakota 332 100.0 16 4.7 54 16.4 255 76.9 7 2.0
Wisconsin 2,329 100.0 98 4.2 376 16.1 1,840 79.0 16 0.7
Northeast 21,689 100.0 1,500 6.9 3,552 16.4 15,917 73.4 720 3.3
Connecticut 1,383 100.0 74 5.3 197 14.2 1,084 78.4 28 2.1
Maine 551 100.0 14 2.6 100 18.1 425 77.1 12 2.2
Massachusetts 2,655 100.0 106 4.0 309 11.6 2,179 82.1 61 2.3
New Hampshire 527 100.0 11 2.2 64 12.2 443 84.1 8 1.6
New Jersey 3,143 100.0 231 7.3 380 12.1 2,419 77.0 113 3.6
New York 7,778 100.0 768 9.9 1,525 19.6 5,110 65.7 375 4.8
Pennsylvania 4,972 100.0 259 5.2 894 18.0 3,712 74.7 108 2.2
Rhode Island 424 100.0 27 6.3 52 12.4 335 79.0 10 2.3
Vermont 257 100.0 11 4.2 31 12.2 210 81.8 5 1.8
South 44,081 100.0 4,144 9.4 9,159 20.8 29,590 67.1 1,188 2.7
Alabama 1,916 100.0 228 11.9 392 20.5 1,210 63.2 86 4.5
Arkansas 1,140 100.0 116 10.2 256 22.5 742 65.1 26 2.2
Delaware 342 100.0 19 5.5 51 14.8 269 78.6 3 1.0
District of Columbia 302 100.0 37 12.2 73 24.1 183 60.5 10 3.2
Florida 7,607 100.0 527 6.9 1,298 17.1 5,514 72.5 267 3.5
Georgia 3,763 100.0 449 11.9 742 19.7 2,480 65.9 91 2.4
Kentucky 1,756 100.0 211 12.0 418 23.8 1,108 63.1 19 1.1
Louisiana 1,764 100.0 149 8.5 410 23.2 1,174 66.5 31 1.8
Maryland 2,167 100.0 119 5.5 437 20.2 1,549 71.5 62 2.9
Mississippi 1,126 100.0 183 16.2 290 25.7 628 55.8 25 2.2
North Carolina 3,747 100.0 302 8.1 762 20.3 2,581 68.9 103 2.7
Oklahoma 1,453 100.0 145 10.0 326 22.4 936 64.4 46 3.2
South Carolina 1,791 100.0 184 10.3 434 24.3 1,124 62.7 49 2.7
Tennessee 2,530 100.0 246 9.7 450 17.8 1,772 70.0 62 2.5
Texas 8,912 100.0 1,040 11.7 2,186 24.5 5,496 61.7 191 2.1
Virginia 3,008 100.0 143 4.8 475 15.8 2,292 76.2 98 3.3
West Virginia 757 100.0 46 6.1 159 21.0 532 70.3 20 2.6
West 26,630 100.0 1,795 6.7 4,403 16.5 19,614 73.7 819 3.1
Alaska 251 100.0 10 4.1 65 25.8 168 66.9 8 3.2
Arizona 2,634 100.0 201 7.6 448 17.0 1,952 74.1 32 1.2
California 13,194 100.0 1,005 7.6 2,054 15.6 9,646 73.1 490 3.7
Colorado 2,006 100.0 139 6.9 312 15.5 1,500 74.8 55 2.7
Hawaii 443 100.0 12 2.8 64 14.4 348 78.5 19 4.3
Idaho 569 100.0 38 6.6 114 20.0 400 70.4 17 3.0
Montana 423 100.0 17 3.9 86 20.2 308 72.7 13 3.2
Nevada 991 100.0 66 6.6 208 21.0 696 70.3 21 2.1
New Mexico 779 100.0 92 11.8 170 21.8 490 62.9 27 3.5
Oregon 1,560 100.0 91 5.9 240 15.4 1,160 74.3 68 4.4
Utah 904 100.0 15 1.7 139 15.3 724 80.2 25 2.8
Washington 2,651 100.0 101 3.8 463 17.4 2,052 77.4 36 1.4
Wyoming 224 100.0 8 3.5 41 18.2 170 75.8 6 2.6
Notes:
Data revised September 2012. Refer to 2009 and 2011 FDIC National Survey of Unbanked and Underbanked Households and Technical Notes for terms, definitions, and methodological discussion. Figures do not always reconcile to
totals because of rounding.
2011 FDIC NatIoNal Survey oF uNbaNkeD aND uNDerbaNkeD HouSeHolDS • September 2012 5
Table H-3 Unbanked Status by Region and State and Year
Year
2009 2011
All All
Households Unbanked Households Households Unbanked Households
Number Number Pct. of Number Number Pct. of Estimated
Geography (1000s) (1000s) Row (1000s) (1000s) Row Difference
All US Households 119,003 9,054 7.6 120,408 9,875 8.2 0.6*
Midwest 26,601 1,615 6.1 26,900 1,920 7.1 1.1*
Illinois 4,915 301 6.1 4,956 374 7.6 1.4
Indiana 2,445 178 7.3 2,560 201 7.8 0.6
Iowa 1,231 58 4.7 1,244 54 4.4 -0.4
Kansas 1,149 74 6.4 1,136 81 7.1 0.7
Michigan 3,971 264 6.6 3,969 307 7.7 1.1
Minnesota 2,135 55 2.6 2,163 90 4.1 1.6*
Missouri 2,487 203 8.2 2,490 237 9.5 1.3
Nebraska 710 37 5.1 734 27 3.7 -1.4
North Dakota 277 13 4.6 283 15 5.3 0.7
Ohio 4,621 319 6.9 4,719 414 8.8 1.9
South Dakota 332 16 4.7 329 15 4.4 -0.3
Wisconsin 2,329 98 4.2 2,316 105 4.5 0.3
Northeast 21,689 1,500 6.9 21,784 1,537 7.1 0.1
Connecticut 1,383 74 5.3 1,365 73 5.3 0.0
Maine 551 14 2.6 546 20 3.7 1.1
Massachusetts 2,655 106 4.0 2,614 128 4.9 0.9
New Hampshire 527 11 2.2 526 10 1.9 -0.3
New Jersey 3,143 231 7.3 3,202 212 6.6 -0.7
New York 7,778 768 9.9 7,677 740 9.6 -0.2
Pennsylvania 4,972 259 5.2 5,161 315 6.1 0.9
Rhode Island 424 27 6.3 423 30 7.0 0.7
Vermont 257 11 4.2 269 9 3.4 -0.8
South 44,083 4,144 9.4 44,920 4,493 10.0 0.6
Alabama 1,916 228 11.9 1,889 193 10.2 -1.7
Arkansas 1,140 116 10.2 1,142 141 12.3 2.1
Delaware 342 19 5.5 346 23 6.7 1.1
District of Columbia 302 37 12.2 281 31 10.9 -1.4
Florida 7,607 527 6.9 7,801 570 7.3 0.4
Georgia 3,763 449 11.9 3,834 442 11.5 -0.4
Kentucky 1,756 211 12.0 1,819 179 9.9 -2.1
Louisiana 1,764 149 8.5 1,816 209 11.5 3.0
Maryland 2,169 119 5.5 2,170 123 5.6 0.2
Mississippi 1,126 183 16.2 1,143 173 15.1 -1.1
North Carolina 3,747 302 8.1 3,878 359 9.3 1.2
Oklahoma 1,453 145 10.0 1,503 164 10.9 0.9
South Carolina 1,791 184 10.3 1,787 166 9.3 -1.0
Tennessee 2,530 246 9.7 2,605 283 10.9 1.1
Texas 8,912 1,040 11.7 9,136 1,167 12.8 1.1
Virginia 3,008 143 4.8 3,008 199 6.6 1.9
West Virginia 757 46 6.1 762 72 9.5 3.4*
West 26,630 1,795 6.7 26,804 1,925 7.2 0.4
Alaska 251 10 4.1 276 14 5.2 1.0
Arizona 2,634 201 7.6 2,622 304 11.6 4.0
California 13,194 1,005 7.6 13,191 1,030 7.8 0.2
Colorado 2,006 139 6.9 1,974 107 5.4 -1.5
Hawaii 443 12 2.8 443 17 3.8 1.0
Idaho 569 38 6.6 589 33 5.7 -0.9
Montana 423 17 3.9 426 21 4.8 0.9
Nevada 991 66 6.6 1,035 77 7.5 0.8
New Mexico 779 92 11.8 816 94 11.5 -0.3
Oregon 1,560 91 5.9 1,522 65 4.3 -1.6
Utah 904 15 1.7 926 26 2.8 1.1
Washington 2,651 101 3.8 2,748 123 4.5 0.7
Wyoming 224 8 3.5 236 14 5.8 2.3*
Notes:
Data revised September 2012. Refer to 2009 and 2011 FDIC National Survey of Unbanked and Underbanked Households and Technical Notes for terms, definitions, and methodological discussion. Figures do not always reconcile to
totals because of rounding.
* Indicates differences that are statistically significant at the 10% level.
2011 FDIC NatIoNal Survey oF uNbaNkeD aND uNDerbaNkeD HouSeHolDS • September 2012 6
Table H-4 Banked Households That Used AFS in the Last Year by State
Year
2009 2011
All All
Households Banked AFS Usersa Households Banked AFS Usersa
Numbers Number Pct of Number Number Pct of Estimated
Geography (1000s) (1000s) Row (1000s) (1000s) Row Difference
All US Households 119,001 20,759 17.4 120,408 22,031 18.3 0.9*
Midwest 26,601 4,367 16.4 26,900 4,464 16.6 0.2
Illinois 4,915 734 14.9 4,956 753 15.2 0.3
Indiana 2,445 400 16.4 2,560 467 18.2 1.9
Iowa 1,231 196 15.9 1,244 199 16.0 0.1
Kansas 1,149 197 17.1 1,136 210 18.5 1.4
Michigan 3,971 646 16.3 3,969 664 16.7 0.5
Minnesota 2,135 231 10.8 2,163 252 11.7 0.8
Missouri 2,487 460 18.5 2,490 500 20.1 1.6
Nebraska 710 100 14.1 734 122 16.6 2.5
North Dakota 277 51 18.6 283 50 17.6 -1.0
Ohio 4,621 939 20.3 4,719 875 18.5 -1.8
South Dakota 332 52 15.7 329 68 20.6 4.9*
Wisconsin 2,329 360 15.4 2,316 303 13.1 -2.3
Northeast 21,689 3,387 15.6 21,784 3,498 16.1 0.4
Connecticut 1,383 188 13.6 1,365 174 12.7 -0.9
Maine 551 97 17.6 546 97 17.8 0.3
Massachusetts 2,655 292 11.0 2,614 321 12.3 1.3
New Hampshire 527 61 11.5 526 58 11.1 -0.4
New Jersey 3,143 348 11.1 3,202 517 16.2 5.1*
New York 7,778 1,468 18.9 7,677 1,328 17.3 -1.6
Pennsylvania 4,972 853 17.2 5,161 890 17.2 0.1
Rhode Island 424 49 11.6 423 67 15.9 4.4*
Vermont 257 30 11.9 269 45 16.6 4.8*
South 44,081 8,778 19.9 44,920 9,670 21.5 1.6*
Alabama 1,916 379 19.8 1,889 533 28.2 8.4*
Arkansas 1,140 232 20.4 1,142 310 27.2 6.8*
Delaware 342 50 14.6 346 50 14.4 -0.2
District of Columbia 302 73 24.1 281 56 19.9 -4.2*
Florida 7,607 1,261 16.6 7,801 1,465 18.8 2.2
Georgia 3,763 718 19.1 3,834 947 24.7 5.6*
Kentucky 1,756 402 22.9 1,819 379 20.9 -2.0
Louisiana 1,764 391 22.1 1,816 478 26.3 4.2
Maryland 2,167 421 19.4 2,170 417 19.2 -0.2
Mississippi 1,126 290 25.7 1,143 264 23.1 -2.7
North Carolina 3,747 710 18.9 3,878 790 20.4 1.4
Oklahoma 1,453 310 21.3 1,503 325 21.6 0.3
South Carolina 1,791 421 23.5 1,787 349 19.5 -4.0
Tennessee 2,530 417 16.5 2,605 449 17.2 0.7
Texas 8,912 2,090 23.5 9,136 2,260 24.7 1.3
Virginia 3,008 463 15.4 3,008 455 15.1 -0.2
West Virginia 757 151 19.9 762 143 18.8 -1.2
West 26,630 4,228 15.9 26,804 4,399 16.4 0.5
Alaska 251 61 24.2 276 52 18.7 -5.4*
Arizona 2,634 433 16.4 2,622 485 18.5 2.1
California 13,194 1,963 14.9 13,191 1,924 14.6 -0.3
Colorado 2,006 308 15.4 1,974 289 14.7 -0.7
Hawaii 443 61 13.7 443 76 17.1 3.4
Idaho 569 107 18.9 589 103 17.4 -1.4
Montana 423 81 19.2 426 90 21.3 2.1
Nevada 991 203 20.5 1,035 293 28.3 7.8*
New Mexico 779 167 21.5 816 184 22.5 1.1
Oregon 1,560 228 14.6 1,522 192 12.6 -2.1
Utah 904 131 14.4 926 172 18.6 4.2
Washington 2,651 446 16.8 2,748 490 17.8 1.0
Wyoming 224 38 16.8 236 49 20.6 3.8
Notes:
a For comparability purposes, the estimates include households that have an account, but used non-bank check cashing, non-bank money orders, payday loans, rent-to-own, and pawn shops in the last year. The estimates exclude
non-bank remittances and refund anticipation loans because the 2009 survey did not ask about non-bank remittances and asked about the use of refund anticipation loans in the last five years as opposed to the last year.
* Indicates differences that are statistically significant at the 10% level.
Figures do not always reconcile to totals because of rounding.
2009 data revised September 2012. Refer to 2009 and 2011 FDIC National Survey of Unbanked and Underbanked Households and Technical Notes for terms, definitions, and methodological discussion.
2011 FDIC NatIoNal Survey oF uNbaNkeD aND uNDerbaNkeD HouSeHolDS • September 2012 7
Table H-5 2011 Household Bank Account Type by State
Bank Account Type Memo Items
Banked, but
Unbanked Checking and Savings Account Checking Account Account Type Has Checking Has Savings
All Households Households Savings Accounts only only Unknown Account Account
Number Pct of Number Pct of Number Pct of Number Pct of Number Pct of Number Pct of Number Pct of Number Pct of
Geography (1000s) Row (1000s) Row (1000s) Row (1000s) Row (1000s) Row (1000s) Row (1000s) Row (1000s) Row
All Households 120,408 100.0 9,875 8.2 80,924 67.2 2,379 2.0 25,378 21.1 1,851 1.5 106,509 88.5 83,331 69.2
Midwest 26,900 100.0 1,920 7.1 18,477 68.7 653 2.4 5,440 20.2 410 1.5 23,953 89.0 19,136 71.1
Illinois 4,956 100.0 374 7.6 3,261 65.8 3,261 2.3 112 22.4 1,113 1.9 96 88.4 4,382 68.1
Indiana 2,560 100.0 201 7.8 1,686 65.9 1,686 2.6 68 22.8 584 0.8 22 88.7 2,270 68.6
Iowa 1,244 100.0 54 4.4 884 71.1 884 3.6 45 19.4 241 1.6 19 90.4 1,125 74.7
Kansas 1,136 100.0 81 7.1 748 65.8 748 1.9 21 24.2 275 1.0 11 90.1 1,023 67.8
Michigan 3,969 100.0 307 7.7 2,853 71.9 2,853 3.0 119 15.4 611 2.0 79 87.6 3,475 74.9
Minnesota 2,163 100.0 90 4.1 1,596 73.8 1,596 2.2 48 18.7 406 1.1 25 92.8 2,007 76
Missouri 2,490 100.0 237 9.5 1,587 63.7 1,587 1.0 24 25.3 629 0.5 13 89.0 2,216 64.7
Nebraska 734 100.0 27 3.7 530 72.2 530 1.1 8 21.8 160 1.2 9 94.1 690 73.3
North Dakota 283 100.0 15 5.3 203 71.9 203 3.5 10 18.3 52 1.0 3 90.2 255 75.4
Ohio 4,719 100.0 414 8.8 3,084 65.4 3,084 2.7 129 20.9 987 2.2 105 86.4 4,079 68.1
South Dakota 329 100.0 15 4.4 242 73.4 242 3.0 10 17.9 59 1.3 4 91.8 302 76.4
Wisconsin 2,316 100.0 105 4.5 1,805 77.9 1,805 2.5 59 14.0 324 1.0 24 91.9 2,128 80.5
Northeast 21,784 100.0 1,537 7.1 15,468 71.0 441 2.0 4,028 18.5 309 1.4 19,553 89.8 15,910 73.0
Connecticut 1,365 100.0 73 5.3 1,028 75.3 1,028 1.8 25 16.6 226 0.9 13 92.1 1,257 77.1
Maine 546 100.0 20 3.7 413 75.6 413 3.6 20 16.1 88 0.9 5 91.8 501 79.3
Massachusetts 2,614 100.0 128 4.9 1,987 76.0 1,987 3.0 78 15.3 400 0.8 21 91.6 2,394 79
New Hampshire 526 100.0 10 1.9 405 77.0 405 2.0 11 18.5 97 0.5 3 95.7 503 79.1
New Jersey 3,202 100.0 212 6.6 2,331 72.8 2,331 1.8 57 18.6 596 0.2 8 91.5 2,930 74.5
New York 7,677 100.0 740 9.6 5,370 70.0 5,370 1.8 137 16.7 1,280 1.9 150 87.0 6,682 71.7
Pennsylvania 5,161 100.0 315 6.1 3,440 66.6 3,440 1.9 100 23.5 1,211 1.8 95 90.3 4,659 68.6
Rhode Island 423 100.0 30 7.0 294 69.5 294 2.6 11 18.6 79 2.3 10 88.1 373 72
Vermont 269 100.0 9 3.4 201 74.7 201 1.4 4 19.1 51 1.4 4 93.8 252 76.1
South 44,920 100.0 4,493 10.0 27,478 61.2 846 1.9 11,351 25.3 751 1.7 38,905 86.6 28,337 63.1
Alabama 1,889 100.0 193 10.2 1,111 58.8 1,111 3.8 71 26.0 491 1.2 23 84.8 1,602 62.6
Arkansas 1,142 100.0 141 12.3 495 43.3 495 2.5 28 40.5 463 1.4 16 84.0 959 45.8
Delaware 346 100.0 23 6.7 230 66.6 230 1.4 5 23.5 81 1.8 6 90.5 313 68
District of Columbia 281 100.0 31 10.9 190 67.6 190 2.4 7 17.4 49 1.7 5 85.0 239 70.2
Florida 7,801 100.0 570 7.3 5,059 64.9 5,059 1.4 107 24.2 1,892 2.2 173 89.3 6,968 66.3
Georgia 3,834 100.0 442 11.5 2,264 59.0 2,264 1.9 73 25.0 957 2.6 98 84.0 3,221 60.9
Kentucky 1,819 100.0 179 9.9 1,057 58.1 1,057 0.7 13 29.8 543 1.5 28 88.2 1,604 58.8
Louisiana 1,816 100.0 209 11.5 1,019 56.1 1,019 2.8 51 27.8 506 1.7 32 84.1 1,528 58.9
Maryland 2,170 100.0 123 5.6 1,613 74.3 1,613 0.7 15 17.9 388 1.4 31 92.3 2,003 75
Mississippi 1,143 100.0 173 15.1 546 47.8 546 4.0 46 32.1 367 0.9 11 80.2 917 51.8
North Carolina 3,878 100.0 359 9.3 2,507 64.6 2,507 1.7 67 23.0 892 1.4 53 87.8 3,406 66.4
Oklahoma 1,503 100.0 164 10.9 872 58.0 872 2.0 30 26.7 401 2.4 36 84.7 1,273 60
South Carolina 1,787 100.0 166 9.3 1,084 60.6 1,084 2.3 41 27.0 482 0.8 14 88.0 1,572 62.9
Tennessee 2,605 100.0 283 10.9 1,518 58.3 1,518 1.0 26 28.8 750 1.1 28 87.3 2,273 59.3
Texas 9,136 100.0 1,167 12.8 5,526 60.5 5,526 2.2 203 23.3 2,126 1.2 114 83.8 7,659 62.8
Virginia 3,008 100.0 199 6.6 2,001 66.5 2,001 1.8 54 23.0 692 2.1 62 90.0 2,709 68.3
West Virginia 762 100.0 72 9.5 387 50.8 387 1.3 10 35.7 272 2.7 20 86.7 661 52.1
West 26,804 100.0 1,925 7.2 19,500 72.7 439 1.6 4,559 17.0 381 1.4 24,098 89.9 19,948 74.4
Alaska 276 100.0 14 5.2 221 80.0 221 3.8 11 9.3 26 1.7 5 89.5 247 83.8
Arizona 2,622 100.0 304 11.6 1,825 69.6 1,825 1.7 45 16.4 430 0.6 17 86.0 2,256 71.4
California 13,191 100.0 1,030 7.8 9,297 70.5 9,297 1.5 204 18.8 2,473 1.4 187 89.4 11,797 72.1
Colorado 1,974 100.0 107 5.4 1,468 74.4 1,468 1.0 20 16.5 325 2.7 53 91.2 1,800 75.4
Hawaii 443 100.0 17 3.8 339 76.7 339 1.7 8 13.5 60 4.4 19 90.3 400 78.6
Idaho 589 100.0 33 5.7 444 75.3 444 0.8 5 16.7 99 1.5 9 92.0 542 76.1
Montana 426 100.0 21 4.8 288 67.8 288 4.2 18 21.9 93 1.2 5 89.7 382 72.3
Nevada 1,035 100.0 77 7.5 695 67.2 695 1.3 14 22.5 233 1.5 16 90.0 931 68.5
New Mexico 816 100.0 94 11.5 510 62.5 510 5.0 41 18.9 154 2.1 17 81.6 665 67.8
Oregon 1,522 100.0 65 4.3 1,195 78.5 1,195 1.5 22 15.1 230 0.7 11 93.6 1,424 80
Utah 926 100.0 26 2.8 767 82.8 767 0.8 8 12.6 116 1.0 9 95.4 883 83.7
Washington 2,748 100.0 123 4.5 2,283 83.1 2,283 1.4 37 10.0 275 1.1 30 93.1 2,558 84.4
Wyoming 236 100.0 14 5.8 168 71.1 168 2.9 7 18.9 45 1.3 3 90.0 212 74
Notes:
Figures do not always reconcile to totals because of rounding.
2011 FDIC NatIoNal Survey oF uNbaNkeD aND uNDerbaNkeD HouSeHolDS • September 2012 8
Table H-6 2011 Household Banking Status by Demographic Characteristics: Alabama
Has a Bank Account
Banked but
Underbanked
All Households Unbanked Underbanked Fully Banked Status Unknown
Number Pct of Number Pct of Number Pct of Number Pct of Number Pct of
Household Characteristic (1000s) Col (1000s) Row (1000s) Row (1000s) Row (1000s) Row
All US Households 1,889 100.0 193 10.2 544 28.8 1,099 58.2 53 2.8
Household Type
Family household 1,268 67.1 110 8.7 384 30.3 747 58.9 26 2.1
Female householder, no husband present 281 14.9 78 27.6 100 35.6 93 33.2 10 3.5
Male householder, no wife present 69 3.6 NA NA NA NA NA NA NA NA
Married couple 919 48.6 26 2.8 252 27.4 629 68.4 12 1.3
Nonfamily household and other 621 32.9 83 13.3 160 25.7 352 56.7 27 4.3
Race/Ethnicity
Black 473 25.0 119 25.2 210 44.4 139 29.5 4 0.9
Hispanic non-Black 31 1.6 NA NA NA NA NA NA NA NA
White non-Black non-Hispanic 1,375 72.8 67 4.9 311 22.6 949 69.0 48 3.5
Other non-Black non-Hispanic 10 0.5 NA NA NA NA NA NA NA NA
Age
15 to 34 years 368 19.5 64 17.3 131 35.7 165 44.9 8 2.0
35 to 44 years 352 18.6 58 16.5 130 37.0 160 45.4 4 1.1
45 to 54 years 370 19.6 39 10.4 108 29.1 206 55.8 17 4.6
55 to 64 years 400 21.2 15 3.7 100 25.0 278 69.6 7 1.8
65 years or more 399 21.1 17 4.4 75 18.8 289 72.5 17 4.3
Education
No high school degree 251 13.3 66 26.1 81 32.2 102 40.5 3 1.3
High school degree 600 31.8 76 12.6 171 28.4 344 57.3 10 1.7
Some college 544 28.8 47 8.6 160 29.4 314 57.7 23 4.3
College degree 493 26.1 4 0.9 133 27.0 340 68.9 16 3.3
Household Income
Less than $15,000 411 21.8 137 33.2 109 26.6 162 39.4 3 0.8
Between $15,000 and $30,000 376 19.9 39 10.5 120 31.9 198 52.7 18 4.9
Between $30,000 and $50,000 385 20.4 4 1.0 141 36.7 222 57.5 19 4.8
Between $50,000 and $75,000 298 15.8 9 3.1 87 29.3 201 67.6 - -
At Least $75,000 418 22.1 4 0.9 86 20.6 316 75.6 12 3.0
Homeownership
Homeowner 1,344 71.2 72 5.4 338 25.1 900 67.0 34 2.5
Non-homeowner 545 28.8 120 22.1 207 38.0 199 36.5 19 3.4
Notes:
Figures do not always reconcile to totals because of rounding.
NA = Not available because the sample size was too small to make an accurate estimate.
- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.
2011 FDIC NatIoNal Survey oF uNbaNkeD aND uNDerbaNkeD HouSeHolDS • September 2012 9
Table H-7 2011 Household Bank Account Type by Demographic Characteristics: Alabama
Bank Account Type Memo Items
Banked but
Unbanked Checking and Savings Account Checking Account Account Type Has Checking Has Savings
All Households Households Savings Accounts Only Only Unknown Account Account
Household Number Pct of Number Pct of Number Pct of Number Pct of Number Pct of Number Pct of Number Pct of Number Pct of
Characteristic (1000s) Col (1000s) Row (1000s) Row (1000s) Row (1000s) Row (1000s) Row (1000s) Row (1000s) Row
All US Households 1,889 100.0 193 10.2 1,111 58.8 71 3.8 491 26.0 23 1.2 1,602 84.8 1,182 62.6
Household Type
Family household 1,268 67.1 110 8.7 803 63.3 33 2.6 314 24.8 8 0.6 1,117 88.1 836 65.9
Female house- 281 14.9 78 27.6 123 43.8 8 2.7 72 25.8 - - 195 69.6 131 46.6
holder, no
husband present
Male householder, 69 3.6 NA NA NA NA NA NA NA NA NA NA NA NA NA NA
no wife present
Married couple 919 48.6 26 2.8 647 70.4 20 2.2 218 23.8 8 0.9 865 94.2 667 72.6
Nonfamily household 621 32.9 83 13.3 308 49.7 38 6.1 176 28.4 15 2.5 485 78.1 346 55.8
and other
Race/Ethnicity
Black 473 25.0 119 25.2 214 45.2 30 6.4 110 23.2 - - 323 68.4 244 51.6
Hispanic non-Black 31 1.6 NA NA NA NA NA NA NA NA NA NA NA NA NA NA
White non-Black 1,375 72.8 67 4.9 880 64.0 41 3.0 364 26.5 23 1.7 1,244 90.5 920 66.9
non-Hispanic
Other non-Black 10 0.5 NA NA NA NA NA NA NA NA NA NA NA NA NA NA
non-Hispanic
Age
15 to 34 years 368 19.5 64 17.3 196 53.2 9 2.5 99 27.0 - - 295 80.2 205 55.7
35 to 44 years 352 18.6 58 16.5 188 53.5 9 2.7 96 27.4 - - 284 80.8 197 56.1
45 to 54 years 370 19.6 39 10.4 232 62.8 8 2.2 79 21.3 12 3.3 311 84.1 240 65.0
55 to 64 years 400 21.2 15 3.7 274 68.4 15 3.8 89 22.2 8 1.9 362 90.6 289 72.2
65 years or more 399 21.1 17 4.4 222 55.5 29 7.2 128 31.9 4 0.9 349 87.5 251 62.8
Education
No high school degree 251 13.3 66 26.1 54 21.6 32 12.8 99 39.5 - - 154 61.1 87 34.4
High school degree 600 31.8 76 12.6 343 57.1 14 2.4 164 27.3 4 0.6 507 84.4 357 59.5
Some college 544 28.8 47 8.6 325 59.8 16 2.9 136 25.0 20 3.6 461 84.9 341 62.7
College degree 493 26.1 4 0.9 389 78.8 9 1.8 91 18.5 - - 480 97.4 397 80.6
Household Income
Less than $15,000 411 21.8 137 33.2 120 29.3 31 7.4 120 29.2 4 0.9 240 58.4 151 36.7
Between $15,000 and 376 19.9 39 10.5 170 45.3 28 7.5 135 35.8 4 1.0 305 81.1 198 52.7
$30,000
Between $30,000 and 385 20.4 4 1.0 261 67.8 7 1.8 98 25.4 16 4.1 359 93.2 268 69.5
$50,000
Between $50,000 and 298 15.8 9 3.1 221 74.1 - - 68 22.8 - - 288 96.9 221 74.1
$75,000
At Least $75,000 418 22.1 4 0.9 339 81.0 5 1.3 70 16.8 - - 409 97.8 344 82.3
Homeownership
Homeowner 1,344 71.2 72 5.4 897 66.7 30 2.2 330 24.5 15 1.1 1,227 91.3 927 68.9
Non-homeowner 545 28.8 120 22.1 214 39.4 41 7.6 161 29.5 8 1.5 375 68.9 256 46.9
Notes:
Figures do not always reconcile to totals because of rounding.
NA = Not available because the sample size was too small to make an accurate estimate.
- = For this table cell there were so few sample respondents (in some cases zero) reporting that the estimated universe proportion round to 0.0 percent. It is estimated that the true value is only slightly greater than zero.
2011 FDIC NatIoNal Survey oF uNbaNkeD aND uNDerbaNkeD HouSeHolDS • September 2012 10