health and human services: afi 2006 report to congress

8/14/2019 Health and Human Services: AFI 2006 Report to Congress

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Repor t t o Congress

Assets for Independence ProgramStatus at the Conclusion of the Sixth Year

June 2006



Contents

Executive Summary ……………………………………………………………………………………………………………. vii

Program Inputs and Current Results ………………………………………………………………………………. viii

Inputs – Government, Nonprofit, and Private Sector Support……………………………………. viii

Current Results – Outcomes Produced to Date by Regular AFI Projects and

Special State Projects …………………………………………………………………………………… viii

Status of Regular AFI Projects ……………………………………………………………………………………….. ix

Results – Outcomes to Date ……………………………………………………………………………………… ix

Regular AFI Project Grantee Organizations ……………………………………………………………… x

Regular AFI Project Financial Education and Support Services ……………………................ xi

Regular AFI Project Accountholder Characteristics ………………………………………………… xii

Regular AFI Project Reserve Accounts …………………………………………………………………..... xiii

Regular AFI Project Accountholder Deposits …………………………………………………………... xiv

Regular AFI Project Withdrawals and Uses of IDA Savings …………………………………... xiv

Status of the Two Special State Projects – Indiana and Pennsylvania ……………………………. xv

Introduction ………………………………………………………………………………………………………………………… 1

Scope of the Report ……………………………………………………………………………………………………….... 2

Data Sources …………………………………………………………………………………………………………………… 2

Program Evaluation ………………………………………………………………………………………………………… 3

1. Assets for Independence Program ……………………………………………………………………………….. 4

Program Overview …………………………………………………………………………………………………………. 4

Design of AFI Projects …………………………………………………………………………………………………… 5

Program Requirements …………………………………………………………………………………………………… 8

2. AFI Grants and Projects ……………………………………………………………………………………………… 11

Grantee Organizations and Grant Amounts …………………………………………………………………... 11

Administrative Arrangements ………………………………………………………………………………………... 14

Single Agency and Network Projects ……………………………………………………………………… 14

Types of Grantees and Partners ………………………………………………………………………………. 17

Nonfederal Funding Sources …………………………………………………………………………………………. 18

IDA Account Characteristics 19



Asset-Specific Training …………………………………………………………………………………………… 23

Other Support Services Offered for Participants …………………………………………………………… 24

3. Project Participants ……………………………………………………………………………………………………..... 26

Number of Accountholders …………………………………………………………………………………………… 26

Path from Recruitment/Orientation to Account Opening………………………………………………… 27

Characteristics of Participant Accountholders ………………………………………………………………. 29

Gender ……………………………………………………………………………………………………………………… 29

Race/Ethnicity …………………………………………………………………………………………………………. 30

Marital Status ………………………………………………………………………………………………………….. 30Household Composition ………………………………………………………………………………………….. 31

Household Income …………………………………………………………………………………………………… 32

Residence Area.………………………………………………………………………………………………………… 33

Education Credentials………………………………………………………………………………………………… 34

Age …………………………………………………………………………………………………………………………… 34

Employment Status ………………………………………………………………………………………………….. 35

Accountholder Banking Relationships …………………………………………………………………………… 36Prior Checking or Savings Accounts ………………………………………………………………………… 36

History of Using Paycheck Direct Deposit at Time of Enrollment ………………………….... 36

History of Using Automatic Allotment/Deposit Procedures ……………………………………..... 36

4. AFI Project Financial Management ..................................................................................................................... 37

AFI Federal Grant Funds Drawn Down …………………………………………………………………………. 37

Amounts Deposited of Nonfederal Funds ……………………………………………………………………… 40Amounts Deposited in Participant IDAs …………………………………………….…………………………… 40

Purposes for and Amounts of IDA Withdrawals ……………………………………………………….……. 42

Accountholder Intended Use of IDA Savings at Time of Enrollment ……………………… 43

Participant Withdrawals …………………..………………………………………………………………………… 43

Home Purchase ……………………………………………………………………………………………………........ 44

Small Business …………………………………………………………………………………………………………. 45

Postsecondary Education …………………………………………………………………………………………. 46Emergency Withdrawals of Earned Income Only …………………………………………………… 46

Other Withdrawals of Earned Income ……………………………………………………………………… 46

Balances Remaining in Participant IDAs ………………………………………………………………………. 47

5 Special State Projects in Indiana and Pennsylvania 49



Pennsylvania Family Savings Account Program …………………………………………………………… 53

Program Administration and Funding Sources .………………………………………………………… 53Program Design ………………………………………………………………………………………………………… 54

Financial Education and Asset-Specific Training …………………………………………………….. 55

Accountholders and their Characteristics…………………………………………………………………… 55

Participant Savings and Withdrawals ………………………………………………………………………… 56

6. Additional OCS Support for Grantees ………………………………………………………………………… 57

Technical Assistance …………………………………………………………………………………………… 57Project Management ……………………………………………………………………………………………. 57

National Evaluation ………………………………………………………………………………………………………… 57

Appendices …………………………………………………………………………………………………………………………… 58



Tables

Table ES.1 Participant Outcomes for Regular AFI Projects ………………………………………………….……... x

Table Intro.1 AFI Grants Awarded and Data Responses Received for this Report …………………………… 3

Table 2.1 Number of Grants and Dollar Amounts Awarded per Fiscal Year ……………………………… 12

Table 2.2 Number of Grants, Grant Amounts, and Cumulative Amounts of AFI

Funds Awarded FYs 1999-2004 ……………………………………………………………………... 13

Table 2.3 Shared Roles and Functions in AFI Network Projects ………………………………………………. 17

Table 2.4 Grantee Types ……………………………………………………………………………………………………….. 18

Table 2.5 Sources of Nonfederal Funding for IDA Match and Project Operations ……………………. 19Table 2.6 Qualified Uses of IDA Savings and Matching Funds …………………………………………………. 20

Table 2.7 Savings Match Rates Provided per Asset Goal …………………………..………..………..………….. 20

Table 2.8 Savings and Match Characteristics …………………………………………….………..…………………… 21

Table 2.9 Average and Total Number of Staff per Accountholder …………………….……………………… 22

Table 2.10 Participant Completion Rates of Required Training ……………………………….…………….….. 23

Table 2.11 Services Provided to Participants ………………………………….…………………………………………. 24

Table 2.12 Services Provided by Grantees and Other Agencies …………………………………………………. 25

Table 3.1 Number of IDAs Opened by Participants in Regular AFI Projects ……………….…………… 26Table 3.2 AFI Project Activities Attendance …………………..………..………………………..………..………….. 29

Table 3.3 Gender of Accountholders ………..………..………..………..………..………..………..………..………….. 30

Table 3.4 Race/Ethnicity of Accountholders …………………………………………………………….……………. 30

Table 3.5 Marital Status of Accountholders at Time of Enrollment …………………………………………… 31

Table 3.6 Number of Adults in Household at Time of Enrollment …………………………………………… 31

Table 3.7 Number of Children in Household at Time of Enrollment ………………………………………… 32

Table 3.8 Household Income at Time of Enrollment ……………………………………….……………………… 33

Table 3.9 Residence Area of Accountholders at Time of Enrollment ………………………………………. 33

Table 3.10 Education Credentials of Accountholders at Time of Enrollment ……………………………….. 34

Table 3.11 Age of Accountholders at Time of Enrollment …………………………..…………..…………..……… 35

Table 3.12 Employment Status of Accountholders at Time of Enrollment …………………………………... 35

Table 3.13 Accountholder Prior Banking Relationships ………………………………………………..…………… 36

Table 4.1 Amount and Portion of Federal AFI Grant Drawn Down …………………………………………. 38

Table 4.2 Percentage of Federal AFI Grant Drawn Down ………………………………………………………. 39

Table 4.3 Nonfederal Amounts in Project Reserve Accounts…………………………………………………..

41Table 4.4 Cumulative Number of IDAs Ever Opened and Amounts of Earned Income

Ever Deposited ……………………………………………………………………………………………… 41

Table 4.5 AFI Projects’ Participant IDA Average Savings Balance …………………………………………… 42

Table 4.6 Accountholder Intended Use of IDA Savings at Time of Enrollment …………………….......... 43

Table 4.7 Savings and Matching Funds Withdrawn by Participants for Home Purchase,



Table 5.3 Number of Grants and Dollar Amounts Awarded per Fiscal Year: Pennsylvania

FSA Demonstration ……………………………………………………………………………….……. 53

Table 5.4 Types of Administering Agencies: Pennsylvania FSA Program ………………………............ 54



Figures

Figure 1 – Participant Activities and Services: Orientation to Asset Purchase.................................... 7

Figure 2 – AFI Project Finances: Allowed Uses of Federal AFI Grant and

Required Nonfederal Cash ……………………………………………………………….………… 10

Figure 3 – AFI Single Agency Project …………………………………………………………………………………… 15

Figure 4 – AFI Network Project …………………………………………………………………………………………….. 16

Figure 5 – Grantee Activities and Services: From Participant Recruitment/Orientation

to AFI IDA Opening …………………………………………………………………………..………. 28



Executive Summaryhis is the Sixth Annual Report to Congress about the Assets for Independence (AFI)

Program. It provides an update on the status of the program through the end of Fiscal

Year (FY) 2005 (September 30, 2005). The Office of Community Services (OCS),

within the Administration of Children and Families (ACF) at the U.S. Department of Health and

Human Services (HHS), is administering the AFI Program in order to support innovative asset-

building projects that feature Individual Development Accounts (IDAs), financial education, andrelated services. Through the program, OCS is gauging the usefulness of IDAs and related asset-

building strategies as tools to improve the social and economic prospects for very low-income

American households.

T

OCS awards AFI Program grants to nonprofit, community-based organizations and government

agencies with community partners that conduct five-year AFI Projects. Each project is centered

on enabling people to have access to IDAs. IDAs are restricted savings accounts that enableindividuals and families with low incomes (and low wealth) to combine their own savings with

matching public and private funds to purchase a first home, start up or expand a business, pay for

postsecondary education or vocational training, or to support an IDA owned by a family member

for the same purposes. The ultimate goal of the IDA strategy is to enable families to purchase

and own a meaningful long-term asset and, by doing so, become less dependent on welfare and

other support programs and join the economic mainstream.

AFI Projects may offer individual participants IDA matching funds in amounts up to $2,000 of

Federal funds. The ratio of earned income deposited into an IDA to the matching funds provided

may range from $1 to $8 for every participant dollar saved. The IDA matching funds are derived

equally from Federal grant funds and nonfederal funds. Grantees work in partnership with the

financial institutions in managing the IDAs and other features of their projects including

financial education. Many grantees also work with other types of partner organizations to assist

and support participants.

This report provides information about the 3151 regular AFI Projects and the two special State

AFI Projects. It presents cumulative AFI activities through September 2005 by organizations

that received grant awards in FYs 1999 through 2004.2 It gives the characteristics of the grantee

organizations details about the AFI Projects they administer and information about the project



The AFI Program was appropriated at $10 million in FYs 1999 and 2000 and approximately $25

million a year in FYs 2001 through 2005.

Program Inputs and Current Results

Following is an overview of program performance, including government, nonprofit, and private

sector partner inputs and the results or outcomes produced to date by all AFI Projects.

Inputs – Government, Nonprofit, and Private Sector Support

• OCS has awarded $94.7 million in AFI grant funds between FY 1999 and FY 2005.

• Grantee organizations and their partners have provided at least $94.7 million in

nonfederal funds to “match” the Federal grant amount to support their AFI Projects.

• 216 grantee organizations are implementing 317 Regular AFI Projects throughout the

nation. They have over 1,100 sub-recipient agencies and organizations that are working

with them to provide AFI IDAs to participant individuals and families.

• Two special State-administered Projects are being implemented in upwards of 87

localities in Indiana and Pennsylvania. The AFI Act authorizes HHS to provide AFI

grants to support these projects, which are based on State law rather than Federal statute

and guidelines.

Current Results – Outcomes Produced to Date by Regular AFI Projects and

Special State Projects

• Participants have opened 34,454 IDAs and regularly deposited earned income into these

accounts.

• Participants have deposited $24.8 million of earned income into their IDAs, averaging

$719 in savings per participant.

• Participants have used $29.2 million to purchase long-term economic assets. For this,

participants used their own IDA savings ($10.7 million), Federal matching funds ($7.0

million) and nonfederal matching funds ($11 5 million)



long-term economic assets. They have made the following numbers of IDA

withdrawals:3

− 3,448 for home purchase;

− 2,537 for the startup or expansion of a small business;

− 2,855 for postsecondary education or training;

− 329 for other asset purchases (in the State of Pennsylvania only); and

− 17 for transfers to IDAs to family members (transfers from a participant to a spouse

or dependent who uses the IDA resources for home purchase, small business, or

postsecondary education or training).• More than 8,400 participants had saved earned income in an IDA but were unable to use

their savings as originally planned. They withdrew their AFI IDA savings to meet

emergency needs and for other purposes. These participants withdrew a little over

$677,700 in earned income for emergencies authorized by AFI. They also withdrew $3.1

million to address other types of emergencies and for other purposes not allowable under

the AFI Program. Those who withdrew their savings for such emergencies or other

purposes not allowed by the program did not receive any Federal or nonfederal matchfunds.4

Status of Regular AFI Projects

This section provides detailed information about the Regular AFI Projects only. Information

about the two special State Projects is provided later in the executive summary and in section 5

of the report.

Results – Outcomes to Date

Table ES.1 shows the cumulative nationwide totals for all Regular AFI Projects. The data

represent substantial proportional increases between FY 2004 and FY 2005:

• 36 percent increase in accounts opened;

• 48 percent increase in cumulative participant deposits; and

• 75 percent increase in total funds applied to asset purchases.



The growth in these aggregate totals may be due to the fact that increasing numbers of grantees

that received AFI grants in FYs 1999 and 2000 for Regular AFI Projects have now reached or

are approaching the final years of their grant period. A significant number of participantstypically make their matched withdrawals and receive their match funds in the latter years of a

project’s grant period.

Table ES.1. Participant Outcomes for Regular AFI Projects

Year-to-Year Change

Participant Outcomes End of FY 2004 End of FY 2005Amount

Percent

IncreaseAccounts Ever Opened 21,038 28,570 7,532 35.8

Savings Deposited by Participants $14,556,117 $21,593,890 $7,037,773 48.3

Participants Making Withdrawals

Home Purchase 1,750 3,008 1,258 71.9

Small Business 1,322 2,209 887 67.1

Postsecondary Education 1,267 2,057 790 62.4

Total Participants with Withdrawals 4,339 7,274 2935 59.6

Funds Used for Asset Purchasesa Participant Savings Used for Asset

Purchases $5,043,481 $8,832,091 $3,788,610 75.1

AFI Grant Funds Disbursed as

Matching Funds $5,260,672 $9,082,006 $3,824,334 72.7

Nonfederal Funds Disbursed as

Matching Funds $5,394,570 $9,531,621 $4,137,051 76.7

Total Funds for Asset Purchases $15,698,723 $27,448,718 $11,749,995 74.8

Note: This table does not include information about special State projects in Indiana and Pennsylvania.a Includes household transfers, in addition to amounts applied to home purchase, small business, and postsecondaryeducation; excludes emergency withdrawals.

Regular AFI Project Grantee Organizations

Various types of agencies and organizations manage regular AFI Projects. The projects also

vary in their organization design and in the partnerships used to provide services to participants.

About one third (33 percent) of grantees are nonprofit Community Action Agencies (CAAs), and

15 percent are Community Development Corporations (CDCs). The remaining grantees are

government agencies, faith-based organizations, United Way organizations, Tribal entities, and



Projects that include a grantee with one or more subgrantees or subrecipients that enroll

participants and provide services and IDA matching funds to them.

The AFI grantees and the projects they administer are fairly evenly distributed across the nation.

They are located in 47 States and the District of Columbia. Many projects are focused on

particular localities and neighborhoods. A small but growing number of grantees are

administering statewide, multistate, or nationwide projects.

All AFI grantees must provide nonfederal cash funds in an amount at least equal to the Federal

grant awarded to them. The grantees turn to a wide range of sources for this nonfederal financialsupport. Over half have received funding from financial institutions. Other common funding

sources include local and national foundations, State and local governments, housing authorities,

and private businesses.

AFI Projects may allow participants to use their IDAs to save for any of the three types of assets.

These are a first home, higher education or training, and small business capitalization. Most

grantees allow participants to save for any of these purposes, but some focus on only one or two.Grantees may also allow their participants to transfer their IDA savings to an IDA owned by a

family member for any of the three asset types.

OCS strongly encourages grantees to customize their IDA account characteristics to meet the

unique needs of their target populations and geographic areas. Therefore, such features vary

greatly among the AFI Projects. For example, grantees may offer IDA savings match rates

(combining Federal and nonfederal matching funds) from $1 to $8 for each $1 of earned incomesaved. The most common match rate across all three major savings goals is $2 in matching

funds for $1 in earned income saved. The required monthly savings amount varies from project

to project and ranging up to $125 with an average of $25. All AFI Projects require participants

to show regular savings patterns for at least six months before withdrawing any funds from their

IDA.

Regular AFI Project Financial Education and Support Services

Regular AFI Projects must provide training and support services to participants. Projects may

use no more than 13 percent of the project’s combined Federal grant funds and nonfederal funds,

or additional cash or in-kind support outside the combined Federal and nonfederal budget to

finance training services and all other operations



Among the Regular AFI Projects, many also provide additional training, called “asset-specific”

training, to ensure that participants are knowledgeable about purchasing and maintaining the

asset they acquire. Nearly one half of all participants (in any stage of project participation) whoare currently saving for home purchase have received homeownership training as part of their

preparation for home purchase; two thirds of those currently saving for business capitalization

have received asset-specific training; and over half of the participants currently pursuing

postsecondary education received this special training and counseling.

Many grantees are community-based organizations that provide numerous support services to

their AFI participants and their other clients. IDAs are often only one tool grantees use incombination with other services to enable clients to become economically self-sufficient. Some

of these services are financial in nature, such as financial counseling, credit repair, loans, and

emergency grants. More than three quarters (77 percent) of the grantees offer their AFI Project

participants financial counseling and credit repair services; 35 percent offer specialized or

advanced financial education. Many grantees also provide more general support to the AFI

participants. About half offer each of the following services: employment support, crisis

management, peer support, child care, and structured planning exercises. More than a third (36percent) offer transportation services, and about 15 percent offer referral and follow up for

medical services. Grantees use money and other resources other than the AFI grant funds to

support most of these nonfinancial services.

Regular AFI Project Accountholder Characteristics

For the Regular AFI Projects, the vast majority of participants who have ever opened IDAs arefemale (76 percent). Slightly under half are African American, and about one quarter are

Caucasian. An increasing percentage of participants are of Hispanic heritage. More than half of

all accounts have been opened by never-married individuals, and 21 percent by single individuals

who are either divorced or separated. Individuals who are married comprise about one-quarter of

all accountholders. Over three quarters of accountholders have children. The participant

households with children are equally divided among those with one, two, or three or more

children.

Though accountholders have a variety of educational credentials, the vast majority (85 percent)

had at least a high school diploma when they enrolled in an AFI Project, with many having

education beyond the high school level, including some college or an associate’s degree.



About two thirds were employed full time at enrollment, and another quarter was employed part

time. Most accountholders (80 percent) reported living in urban areas when they enrolled.

The AFI IDA was the first bank account for a significant portion of participants. Over one third

had never used a checking account prior to their enrollment in an AFI Project, and about half had

never owned a prior savings account.

Regular AFI Project Reserve Accounts

The AFI Program requires grantees to deposit the Federal grant funds and at least an equalamount of nonfederal cash into a secure bank account known as a Project Reserve Account. The

grantees may access only that portion of the Federal grant equal to the amount of nonfederal cash

deposited into the account. Grantees are not required to draw down (that is, to access) portions

of their Federal grant funds according to a specific schedule during their five-year grant period.

Rather, they may access the Federal funds when needed to implement program activities or to

match participant savings.

As of the end of FY 2005, Regular AFI grantees had drawn down nearly $35 million in Federal

grant funds (45 percent of the total amount of Federal funds awarded). The grant drawdown rate

varies greatly. Over 40 percent have accessed more than three quarters of their grant funds,

while nearly 25 percent have not used any of their Federal grant funds. The pattern of waiting a

year or more into the project before accessing Federal grant funds is consistent with the overall

design of AFI Projects, though it is not required by Federal program rules or the AFI Act. Given

that the majority of the Federal funds may be used only for matching participants’ IDA savings,many grantees do not access the funds until after they have enrolled participants.

Over time, grantees have drawn down growing percentages of their total grant awards. Those

whose projects are more mature–with participants who are toward the end of their participation

and actually making asset purchases–typically have drawn down a proportionately larger amount

of their grant funds. In the aggregate, those grantees that received grants for a Regular AFI

Project up to five years ago had drawn down most of their Federal grants by September 2005. Incontrast, those projects that had been in place for only one year had drawn down only

approximately one fifth of their AFI Program grants.

The nonfederal funds used for Regular AFI Projects have exceeded the Federal AFI grant funds

by about 14 percent Grantees report that through September 2005 they had deposited nearly



Regular AFI Project Accountholder Deposits

Participants in Regular AFI Projects have opened 28,570 of the total number (34,454) of allIDAs ever opened in the program through FY 2005. These participants of Regular AFI Projects

have deposited an average of $719 of earned income into their accounts, with a cumulative total

of $21,593,890.

Regular AFI Projects reported that a total of 13,147 IDAs continued to be open and active as of

the end of FY 2005. Participants who own these open accounts thus far have deposited $581 on

average into them, with overall total savings of $7,644,677. The average balance of these openaccounts increased by nine percent in the past year. Across more than one third of all of the

Regular AFI Projects (38 percent) the average per accountholder balance in open accounts is less

than $400. However, for more than 40 percent, the average balance is over $600, including

nearly one quarter (24 percent) with average balances over $800.

Regular AFI Project Withdrawals and Uses of IDA Savings

A total of 16,241 Regular AFI Project participants have withdrawn earned income from their

IDAs, totaling approximately $12.7 million (averaging $803 per participant).

More than one quarter of all AFI Accountholders (7,274) had withdrawn savings from their IDA

for purchase of any of the three allowed asset types or for transferring the IDA to a family

member. Typically, the rate of withdrawals increases toward the end of a project’s grant period,

so fewer withdrawals are expected from recently funded projects and more from those thatreceived AFI grants in earlier years. The number of withdrawals increased by 68 percent in the

past year.

Withdrawals for home purchases were the largest both in number and in average dollar value.

The number of participants in Regular AFI Projects who made such withdrawals through the end

of FY 2005 was 3,008, representing a 71 percent increase from the prior year. As of the end of

FY 2005, the average participant savings withdrawal for home purchase was $1,460, and theaverage amount of total IDA resources provided was $4,498 (savings withdrawn plus Federal

and nonfederal matching funds).

As with withdrawals for home purchases, the number of participants who withdrew funds for

small business expenses increased 67 percent over the prior year to a total of 2 209 at the end of



The small number of withdrawals for IDA transfers, 17, averaged $3,905 for withdrawals plus

the Federal and nonfederal match funds.

Status of the Two Special State Projects – Indiana and Pennsylvania

This report also presents information on the status of two special State projects that already were

implemented in Indiana and Pennsylvania when the AFI Program was established. The AFI Act

(Section 405) authorizes OCS to award AFI grants to support these pre-existing State efforts,

which differ from Regular AFI Projects in several ways. The two States were allowed to useAFI funds to support the programs as designed and authorized by their State laws. Their

programs differ from Regular AFI Projects, for example, in terms of participant eligibility,

savings requirements, allowed purchases and so forth. They have received a combined total of

$10.7 million and operate their projects through subgrantees or subrecipients in 87 localities.

Nearly 6,000 of their participants have opened AFI-supported IDAs.

Participants in the Indiana IDA Demonstration program may use an IDA to save over a four yearperiod. They may receive as much as $1,800 in matching funds for deposits of $300 in each of

the four years. The Indiana program allows participants to save for the same types of assets

allowed under the Federal AFI Program.

Participants in Pennsylvania’s Family Savings Account program may use an IDA to save over a

two year period. Their savings are matched dollar for dollar up to $1,000 annually. These

participants may use their IDA savings and match funds for the usual AFI asset types and alsofor several other types of assets including home repair, car and computer purchase, day care

(including child care) related to employment or education, and contributions to the State 529

College Savings plan.

Approximately 1,3275 participants in the Indiana program and 255 in the Pennsylvania program

have completed their savings and received matching funds with support of AFI grants since FY

1999. Those in the Indiana program have withdrawn an average of $375 from their IDAs andreceived $2,051 in matching funds. Half used their IDA resources for education, with the

remainder divided fairly equally between homeownership and business capitalization.

Participants in the Pennsylvania program have withdrawn an average of $1,790 in savings and

received $1,750 in matching funds, on average, to buy a first home, access higher education or

start or expand a small business Pennsylvania used non AFI resources to provide matching



Introduction

his Report is an update on the status of the Assets for Independence (AFI) Program as of

the end of Fiscal Year (FY) 2005. It includes a narrative and a series of Appendices. The

narrative provides summary information about the status of the program overall, and the

Appendices display detailed information about grantees that received AFI funding at any time

between FY 1999 and the end of FY 2004 (September 30, 2004)6

and the individuals andfamilies who are participating in each grantee’s AFI Projects. The narrative is organized as

follows:

T

Introduction highlights the framework of the report. It provides brief descriptions of

each section and information on the data sources.

Section 1 gives an overview of the AFI Program, including the legislative requirements

that shape key aspects of the design of each AFI Project.

Section 2 describes the grantee organizations that are administering AFI Projects. It

describes the types of administrative arrangements the grantees use and summary

information about the many nonfederal funders that are contributing to this work. It

also includes details about the Individual Development Accounts (IDAs) offered,

project staffing arrangements, and the various types of training and supportive

services that grantees provide to their participants.

Section 3 includes information about project participants, that is, the individuals and

families who have enrolled in an AFI Project and are saving their earned income in an

IDA. It also features demographic information and a synopsis of participants’ prior

relationships with financial institutions such as banks and credit unions.

Section 4 provides information about several fiscal aspects of the AFI Program, including

the status of the grantees’ project accounting mechanism–the Project Reserve

Account–and sources of required nonfederal cash funding for their AFI Projects. Italso provides up-to-date information about participants’ uses of their IDAs and

outcomes of AFI participation: the amounts saved and withdrawn; the number and

types of assets purchased; and the amounts of earned income that participants have

deposited into their IDAs.



Section 6 describes the AFI Resource Center and training and technical assistance

services that OCS makes available to grantees and their partners.

The Appendices are a series of data tables with detailed information about each AFI grantawarded through FY 2004. Nineteen tables highlight key aspects of each grantee and each

AFI Project including, for example, the grant amount awarded for each project,

participant demographic characteristics, amounts of Federal funds used and amounts of

nonfederal cash provided by grantees and their funding partners, and the types and

frequency of training and supportive services provided by each project.

Scope of the Report

This report is based on data submitted by program grantees in Fall 2005. As required by the

Assets for Independence Act, the grantee reports focus on several specific topics, as follows:

• Number and characteristics of AFI Accountholders;

• Balances and features of Project Reserve Accounts;

• Amounts of earned income participants have deposited into their AFI IDAs;

• Amounts withdrawn from AFI IDAs and the purposes for the withdrawals;

• Balances of all AFI IDAs that were open as of September 30, 2005;

• Savings account characteristics (i.e. required deposits and match rates); and

• Support services that grantees and their partners provide to participants.

Data Sources

The data each AFI grantee organization provided for this report is a “snapshot” of its AFI

Project(s) as of the end of FY 2005. The information reported here is cumulative, as it is based

on data about all AFI grants awarded through FY 2004 and all people who participated in theAFI Program from FY 1999 through the end of FY 2005.7

The grantees are required to provide cumulative data on all activities undertaken and results

accomplished from the start of their grant through the end of each Fiscal Year. For this report,

grantees that received funding in 1999 provided five years of data 8 while those that received



funding in 2004 provided only one year of data. Grantees that have received more than one AFI

grant provided separate reports for each grant.

Table INTRO.1 shows the number of AFI grants awarded in each Fiscal Year and the response

rate for each group of grantees. OCS received a total of 315 sets of project data, covering 99

percent of all AFI grants awarded (317) and representing 216 unique recipient organizations.

Table INTRO.1. AFI Grants Awarded and Data Responses Received for this Report

Total Number of AFI Grants Awarded and

Data Responses Received for this ReportYear AFIGrants Awarded

Grants AwardedData Responses

ReceivedResponse Rate

1999 38 38 100%

2000 25 25 100%

2001 81 80 99%

2002 67 67 100%

2003 46 45 98%

2004 60 60 100%

Total 317 315 99%

Note: In addition, one cumulative data form was received from each of the two special State projects in Indianaand Pennsylvania. The data from those grants are described in Section 5.

Not every grantee provided all the data requested. Thus, in each table in this report, we note the

number of projects that provided usable data for the particular analysis.

Program Evaluation

HHS is supporting a comprehensive national evaluation of the AFI Program, as required by the

AFI Act. The evaluation is currently in progress, with initial findings expected at the end of

2006. Information being developed through the national evaluation includes, for example,

detailed descriptions of strategies AFI grantees are using to implement their projects, analyses of

common challenges faced by grantees and project participants, highlights of effective practices,and suggestions for improving performance. The evaluation is also producing information about

the longer-term impact of AFI IDAs, financial education, and asset acquisition on project

participants and their families. For this, it is focusing on core effects of IDA incentives and

supports on savings behaviors; the savings rates of project participants; variations of savings



As of the end of the reporting period for this update (the end of FY 2005), OCS had awarded

$94,700,000 to 216 nonprofit organizations and State and local government agencies to

administer 317 distinct AFI Projects. AFI Project grants have five-year grant periods in order tohelp participants complete their IDA savings and purchase an asset. Therefore, those initiated in

FY 1999 were active through the end of FY 2004. Those that were initially funded in FY 2000

were active through FY 2005, and so forth. Grantees may apply for one-year, no-cost extensions

of the project and grant period to enable them to continue their AFI Projects beyond the original

five-year period.

Design of AFI Projects

The AFI grant amounts range from the maximum of $1,000,000, with an average grant of about

$250,000. All projects are financed in part with an AFI grant and in part with cash support from

nonfederal sources. The law requires all grantees to provide nonfederal funding in an amount at

least equal to the AFI grant award, and grantees must deposit this nonfederal cash contribution

into a special bank account called the Project Reserve Account before having access to the

Federal grant funds.

OCS encourages grantee organizations to customize and design their projects to accommodate

local needs and opportunities.

AFI grantees devote varying levels of effort to assist participants as they progress through each

step in the process, which includes receiving financial education training, addressing credit

and/or debt issues, saving earned income in an IDA over a number of months or years, receivingasset-specific training, and purchasing a long-term economic asset. (See Figure 1, which is a

flow chart that illustrates the multi-step process that participants follow in a typical AFI Project.)

The amount of energy, attention, assistance, and fiscal resources grantees expend on each

participant depends on the participant’s needs and the grantee’s ability to address them with AFI

Project funds or with additional funding or in-kind support provided by a partner organization.

Virtually all AFI Projects contain the following programmatic components:

Partnerships with nonfederal funders that provide at least 50 percent of cash funds

required for the overall program, as well as other resources such as in-kind facilities

or services needed for administering AFI Projects;



Periodic project orientations for informing potential participants about the AFI Project,

the value of financial education, the concept of using an IDA as the springboard for

long-term self-sufficiency, and overall project policies and procedures; Participant eligibility determination procedures to ascertain whether applicants meet the

core Federal eligibility requirements and any additional criteria that are set by the

grantee organization or by its nonfederal funders;

Participant s avings plan agreements with each project participant. The agreements

outline key program details and specific responsibilities of both the participant and

the grantee, such as: the participant’s savings goal, schedule for making savings

deposits and timeframe for achieving the chosen goal; the participant’s planned use of

his IDA savings and match; the amount of IDA match funds the project will allocate

to the participant’s IDA; the required financial education activities that the participant

will attend and the project will provide; any asset-specific training that the participant

will receive; and general program requirements;

Financial education for all participants over a number of weeks, months, or years;

Asset-specific training for participants about the type of asset that the participant plans topurchase, such as homeownership training, entrepreneurial training or assistance, or

academic career counseling for those pursuing postsecondary education;

Case management and coaching throughout the savings period, which may include

numerous topics such as credit counseling, tax preparation, Earned Income Tax

Credits and other refundable tax credits, as well as employment counseling, child

care, family counseling, or other services provided either directly or through partner

organizations; and

Record keeping, data collection and data management for overall project management

including submissions for AFI annual reports and the national evaluation of program

processes, outcomes, and impacts.



Figure 1

11 OORRIIEENNTTAATTIIOONN

Present overview of AFI Project

to potential participants

22 EENNRROOLLLLMMEENNTT

Receive applications, verify

eligibility and enroll participants

33 FFIINNAANNCCIIAALL EEDDUUCCAATTIIOONN AANNDD TTRRAAIINNIINNGG

Participants attend basic financial

education classes

44 OOPPEENN AAFFII IIDDAA

Participants and AFI Project agency

found joint Individual Development

Account

55 SSAAVVEE EEAARRNNEEDD IINNCCOOMMEE Participants save and deposit earned income to

AFI IDA; Receive coaching and support services

66 77 AASSSSEETT--SSPPEECCIIFFIICC TTRRAAIINNIINNGG PPUURRCCHHAASSEE AASSSSEETT

Participants attend asset-specific training:

Home Purchase – Prep for homeownership; Mortgage

loan pre-qualification; Mortgage product types; Tips on

FIRST HOMEFIRST HOME

PARTICIPANT ACTI VIT IES AND SERVICES

Orientation to Asset Purchase



Program Requirements

The Assets for Independence Act has numerous requirements about project administration andeligibility. All grantees must administer their projects in keeping with these requirements:

Participant Eligibility– Individuals may participate in an AFI Project if they are either:

1) eligible for their State’s Temporary Assistance for Needy Families (TANF)

Program; or

2) eligible for the Federal Earned Income Tax Credit or they have an annual

household income below 200 percent of Federal poverty and if their household networth is less than $10,000 (excluding the value of a primary dwelling and one motor

vehicle);

Regular Deposits – Participants must regularly deposit earned income into their IDA;

Uses of IDA Balances – Participants may use their accumulated IDA savings plus the

matching funds to purchase a first home,9 capitalize or expand a small business, or

purchase postsecondary education or training. They may also use their IDA resourcesto support a family member’s purchase of any of the three assets. If participants

withdraw earned income savings from their AFI IDA for purchases other than those

allowed by the AFI Program, they forfeit their claim to any matching funds;

Participant IDA Match Rate – Grantees may establish IDA match rates for participant

IDAs ranging from a minimum of $1 to a maximum of $8 in matching funds for each

dollar of earned income the participant deposits and saves in his or her IDA;

Nonfederal Funds – AFI Project budgets must include nonfederal cash contributions in

an amount at least as large as their AFI Project grant;

Project Reserve Account – Grantee organizations must maintain a special bank account

called the Project Reserve Account to hold the Federal AFI grant and the required

nonfederal funds. When the participants wish to use their IDA savings to make

qualified purchases, grantees disperse from the Project Reserve Account the matching

Federal and nonfederal funds directly to appropriate third parties, such as mortgagelenders, education institutions, or vendors for small business expenses. They also use

a small amount of the Federal and nonfederal funds in the Project Reserve Account to

support project activities, as described below; and

Uses of Federal Grant Funds and Required Nonfederal Funds – Grantees must allocate



Figure 2

This figure illustrates the requirements and allowable fund uses for each five-year AFI grant.

The following scenario is an example of the AFI requirements applied to an organization that is

managing a $300,000 AFI Project to provide IDA services to 125 participants.

The project budget includes $150,000 from the Federal AFI grant plus at least $150,000 in nonfederal

cash support. This grantee is required to allocate its Federal grant funds plus all nonfederal cash over

the five-year project period as follows:

• IDA Match Funds – At least $255,000 ($127,500 of the Federal grant plus $127,500 of the

nonfederal cash) to match participants’ IDA savings.

• Data and Evaluation Costs – At least $6,000 ($3,000 of the Federal grant plus $3,000 of the

nonfederal cash) for data collection and evaluation.

• Training and Support for Participants and Project Administration – No more than $39,000

($19,500 of the Federal grant plus $19,500 of the nonfederal cash) for training and coaching

125 participants and general program support.

Allocated across the five-year project, the grantee is allowed to budget a maximum of $15,600 annually

($7,800 of the Federal grant plus $7,800 of the nonfederal cash) for all project activities, including

financial literacy education classes and training materials, participant case management and coaching,

staff salaries, administrative costs, and so forth.

AFI PROJECT FINANCES

ALLOWED USES OF FEDERAL AFI GRANT A ND

REQUI RED NONFEDERAL CASH

No More than 13%

For Financia l Training;

Part ic ipant Serv ices ;

Program Management ;

and so for th

13

2

88 55

At Leas t 85%

On ly for Match ing

Part ic ipant IDA

Savings

At Leas t 2%

for Data

Col lec t ion



2. AFI Grants and Projects

his Section presents information about AFI grants OCS has awarded since the beginning

of the program in FY 1999 through the end of FY 2004, the grantee organizations and

agencies, and the projects they administer.TGrantee Organizations and Grant Amounts

OCS awards AFI grants to nonprofit organizations and to State, local or Tribal government

agencies that partner with nonprofit groups. Other eligible organizations include low-income

designated credit unions and Community Development Financial Institutions that are

collaborating with a community anti-poverty organization.

The AFI grants are for five-year project periods, and they may be in an amount up to $1,000,000for the period. The average grant amount is about $250,000. Grantees may request their AFI

grant funds at anytime throughout the five-year grant period. They are not required to drawdown

or access the funds in any specific timeframe.

Grantee organizations are required to provide nonfederal cash resources for their project in an

amount at least as large as the AFI grant award. Before they access a portion of their AFI grant

funds, they must deposit an equal amount of their nonfederal cash contribution into a bank account created for managing project resources called the Project Reserve Account.

In the AFI Program’s six years, OCS has awarded a total of $94,740,111 for 317 AFI Projects

administered by 214 grantees and 2 special grants for State Projects in Indiana and Pennsylvania.

The grantees are managing these 317 AFI Projects in 47 States and the District of Columbia.

Appendix A is a comprehensive list of grantee organizations, including their grant amounts and

the year(s) they received grants to support their asset-building projects.

As shown on Table 2.1, OCS has awarded varying numbers of competitive grants and amounts

each year.



Table 2.1. Number of Grants and Dollar Amounts Awarded per Fiscal Year

Fiscal YearNumber of

Grants Awarded

Dollar Amount of

Grants Awarded1999 38 $9,695,904

2000 25 $4,554,620

2001 81 $21,266,474

2002 67 $16,654,539

2003 46 $14,168,880

2004 60 $17,699,694

Special State Grants10

2 $10,706,944

Total 317 $94,740,111

Several grantee organizations are administering multiple AFI Projects and have received separate

grants for each. Table 2.2 shows the original and additional amounts awarded to grantees, by the

year they received their first grant. For example, approximately 48 percent of organizations that

received grants in FY 2003 (22 of 46 grantees) have begun to administer additional AFI Projects

and received other AFI grants to support those projects. Similarly, 40 percent that received

grants in FY 2004 (24 of 60 grantees) were also administering projects funded with grants

awarded previously.

The grants awarded to State agencies in the Indiana and Pennsylvania are used to support special

State Projects that differ in significant ways from all other AFI Projects. Between FYs 1999 and

2004, OCS awarded $5.6 million for the Pennsylvania Family Savings Account program and

$5.1 million for Indiana IDA Demonstration. Section Five offers more information about these

projects.



Assets for Independence Program: Status at the Conclusion of the Sixth Year 13

Table 2.2. Number of Grants, Grant Amounts, and Cumulative Amounts of AFI Funds Awarded FYs 1999 – 2004

End of FY 1999 End of FY 2000 End of FY 2001 End of FY 2002 End of FY 2003 End of FY 2004

Total Grant

AmountsYear Initial AFI

Grant Awarded

Grant Amounts # Grant Amounts # Grant Amounts # Grant Amounts # Grant Amounts # Grant Amounts # Grant Amounts

1999 $9,695,904 38 -- -- $4,241,829 13 $4,996,936 13 $1,279,424 5 $828,930 4 $21,043,023

2000 -- -- $4,554,620 25 $2,777,794 8 $1,454,511 6 $297,058 3 $200,000 1 $9,283,983

2001 -- -- -- -- $14,246,851 60 $3,509,120 16 $1,747,999 10 $3,353,249 10 $22,857,219

2002 -- -- -- -- -- -- $6,693,972 32 $321,470 4 $1,716,880 6 $8,732,322

2003 -- -- -- -- -- -- -- -- $10,522,929 24 $1,129,740 3 $11,652,669

2004 -- -- -- -- -- -- -- -- -- -- $10,470,895 36 $10,470,895

Total $9,695,904 38 $4,554,620 25 $21,266,474 81 $16,654,539 67 $14,168,880 46 $17,699,694 60 $84,040,111

Special State Grants

Indiana $930,000 1 $700,000 1 $494,944 1 $1,000,000 1 $1,000,000 1 $1,000,000 1 $5,124,944

Pennsylvania $930,000 1 $1,000,000 1 $1,000,000 1 $1,000,000 1 $826,000 1 $826,000 1 $5,582,000

Grand Total $11,555,904 40 $6,254,620 27 $22,761,418 83 $18,654,539 69 $15,994,880 48 $19,525,694 62 $94,747,055



Administrative Arrangements11

Grantees that are running Regular AFI Projects choose varying administrative frameworks, dependingon their particular needs and resources. Many collaborate and partner with related organizations,

government agencies, and other entities to secure the required nonfederal cash contribution and to

ensure effective delivery of services to participants. Every grantee agency and organization works

closely with one or more nonfederal funders that contribute cash and other financial and nonfinancial

resources to supplement the AFI grant funds. They also work with financial institutions where the

Project Reserve Account and participant IDAs are deposited. This section provides details about the

administrative framework used by regular AFI grantees.

Single Agency and Network Projects

A total of 200 (63 percent) AFI Projects are operated by single organizations, without any formal

subgrantee or subrecipient relationships with organizations. With this arrangement, the grantee

organization takes full responsibility for enrolling participants, opening their IDAs with their financial

institution partners, providing supportive services, and managing all Federal funds and nonfederalresources. These grantees often partner and collaborate with other agencies that provide particular

services, such as training or data management.

The remaining 117 (37 percent) AFI Projects are operated by grantees that have formal subgrantee or

subrecipient arrangements with other organizations that assist with project implementation. These are

known as AFI Network Projects. The typical AFI Network Project includes the grantee organization,

which is the “lead” agency responsible for administering the grant, and several partners. The number of

partners ranges from one to 21, with an average of seven.

Many subrecipient and collaborating organizations currently involved in an AFI Network Project

provide support for key components of the overall project, such as recruitment, enrollment, financial

education, asset-specific training, home ownership assistance, case management, and other services for

participants.



Figure 3

AFI GRANTEE

ORGANIZATIONPartner Financial

Institution(s)

Office of

Community Services

AFI Pro ram

Nonfederal

Funders

Partner

Agencies

AFI PROJECT

• Administer the Federal AFI Grant• Manage the required nonfederal cash contribution• Publicize the AFI Project and manage participant orientation• Enroll participants• Provide financial education/collaborate with other organizations to

provide the training• Work with participants to open their AFI IDA• Provide coaching, case management and other services (or

collaborate with other organizations to provide these services)• Assist participants with asset purchase• Assist participants who drop out of project• Provide reports to ACF and other funders• Provide information for the AFI Program evaluation to ACF

AFI GRANTEE

ORGANIZATION

AFI SINGLE AGENCY PROJECT

Assets for Independence Program: Status at the Conclusion of the Sixth Year 15



Office of

Community ServicesAFI Program

• Administer the Federal AFI Grant, the nonfederal cash contribution• Manage partnership with one or more Financial Institutions. Manage the Project Reserve Account• Manage the subgrantees and subrecipients• Provide technical assistance and training to subgrantees and subrecipients• Provide reports to ACF and other funders• Provide information for the AFI Program evaluation to ACF

AFI NETWORK PROJECT

sets for Independence Program: Status at the Conclusion of the Sixth Year 16

Figure 4

AFI GRANTEE

ORGANIZATIONPartner FinancialInstitution(s)

• Receive support from AFI Grantee Organization• Report to AFI Grantee Organization• Publicize the AFI Project and manage participant orientation• Enroll participants• Provide financial education or collaborate with other organizations to provide training

• Work with participants to open their AFI IDA• Provide coaching, case management and other services (or collaborate with other

organizations to provide these services)• Assist participants with asset purchase• Assist participants who drop out of the project

PROJECT SUBGRANTEES AND SUBRECIPIENTS

Partner Agencies

In-kind Support

AFI GRANTEE

Nonfederal

Funders

ORGANIZATION

AFI NETWORK PROJECT

As



The precise roles and responsibilities and level of direct participant involvement of the grantee or

“lead” agency vary from network to network. As shown in Table 2.3, approximately 56 percent

of AFI Network Projects have lead agencies that work directly with participants to open AFIIDAs. In the remaining 44 percent, the lead agency does not provide direct assistance to

participants. Rather, they focus on overall project administration and rely on the partner

organizations to recruit, enroll, and provide services to participants. Examples of AFI Network

Project lead agencies are: United Ways of Southeastern Michigan; United Way of Greater St.

Louis; YouthBuild USA; Illinois Association of Community Action Agencies; and Assemblies

of God Financial Services.

Table 2.3 also shows other aspects of operating an AFI Network Project and the percentage of

these projects where the lead agency shares the responsibility with other organizations. In 41

percent of AFI Network Projects, the lead agencies and the partners shared the task of raising

nonfederal cash for the project. In nearly one third of the projects, the partner agencies worked

with the grantee agency to maintain documentation and records. However, in only six percent of

these projects, the partners assist the grantee agency in managing the Project Reserve Account.

Table 2.3. Shared Roles and Functions in AFI Network Projects

Major Function

AFI Network Projects in which

Grantee Agency Shares

the Function with Partners

Open IDAs with Participants 56%

Raise Nonfederal Cash for the Project 41%

Maintain Documentation and Records for

Reporting and Evaluation Purposes31%

Manage the Project Reserve Account 6%

Number of Grantees Reporting 108

Note: This table is based on information provided by 108 grantee organizations that are implementingAFI Network Projects with 714 partnering organizations.

Types of Grantees and Partners

As shown in Table 2.4, nearly half (48 percent) of all AFI grantees–whether managing a single

j t t k j t C it A ti A i (CAA ) C it



Table 2.4. Grantee Types

Type of AFI Grantee OrganizationPercentage of Grantees

at End of FY 2005Community Action Agency 33%

Community Development Corporation 15%

Human Service Nonprofit 13%

Faith-Based Organization 7%

Community Development Financial Institution/

Credit Union5%

Local United Way 6%

State, Local or Tribal Government Agency 4%

Microenterprise Development Organization 4%

Other 14%

Number of Grantees Reporting 190

Note: Grantees who received multiple grants were only counted once.

The 108 AFI Network Projects have 714 subgrantee or subrecipient organizations that are

implementing AFI IDA services for participants. Calculating the number of AFI grantees–both

single-agency and network–and their subrecipients, there are well over 1,100 separate

organizations across the nation currently providing AFI IDA services. These partner

organizations include many of the same types of organizations that manage single-agency

projects. Thirty-five percent are CAAs, 14 percent are CDCs, and 11 percent are nonprofit

human services organizations.

Nonfederal Funding Sources

Organizations that are administering AFI Projects turn to a wide range of sources for financial

support. All AFI grantees are required to have nonfederal cash resources at least equal to the

amount of their Federal AFI grant funds to deposit into their Project Reserve Account. In

addition, the grantees report that they often need even more funding and in-kind support for

project administration costs such as staff salaries, facilities, financial literacy training materials,

and so forth. Nonfederal cash and in-kind support typically are contributed by financial

institutions such as banks and credit unions; foundations; businesses; individuals; educational



and Human Services (such as the Community Services Block Grant)12 and the Department of

Housing and Urban Development (such as the Community Development Block Grant).13

The most common sources of funding, and whether the funds are used to match participant IDA

savings or for project services and operating costs, are shown in Table 2.5.

Table 2.5. Sources of Nonfederal Funding for IDA Match and Project Operations

AFI Projects that Have Received Funding

Type of Non-AFI Funder Funds for Matching

Participant Savings

Funds for

Project Operations

Businesses 18% 18%

Federal Home Loan Bank 9% 1%

Financial Institutions 54% 43%

Foundations 19% 20%

Individuals 16% 13%

Local Government Agencies/Local Housing Authorities 15% 14%

Local United Way Agencies 15% 21%State Government Agencies 15% 16%

HHS (Community Services Block Grant) -- 18%

HUD (Community Development Block Grant and others) 10% 14%

Number of Projects Reporting 291 291

IDA Account Characteristics

Characteristics of AFI IDAs include qualified uses of IDA savings and matching funds; match

rates; and range of match levels and deposit requirements.

Qualified Uses of IDA Savings and Matching Funds

The three AFI allowed types of asset goals are first-time homeownership, business capitalization,and postsecondary education or training. Participants may also have the option to transfer their

IDA to a family member for purchase of one of the three allowed asset types. Grantees may

allow participants to choose to use their AFI IDA resources for any of the asset goals. Table 2.6

shows the percentages of AFI Projects that allow each of the asset goals and transfer option. AFI



member or to make an allowable expense on behalf of a family member,14 in particular as a tool

for parents to use to support a dependent’s education expenses.

Table 2.6. Qualified Uses of IDA Savings and Matching Funds

Qualified Use AFI Projects Offering

IDA Savings Goal

First-Time Homeownership 95%

Postsecondary Education 88%

Business Capitalization 85%

Transfers to Family Member 29%

Number of Projects Reporting 291

Match Rates

AFI allows grantees to provide IDA savings match rates ranging from $1 in match funds for each

$1 of earned income saved ($1 to $1) to $8 in match for each $1 of earned income saved ($8 to

$1). The most common match rate is $2 to $1. Table 2.7 shows the match rates grantees offerby allowable asset goals. Most AFI Projects offer a single match rate to all participants

regardless of their asset goal, but some provide differing match rates depending on the

participants characteristics or asset goal. This variation in match rate is especially prevalent

among AFI Network Projects, where subrecipient sites may offer diverse match rates depending

on the needs of their community and available nonfederal funds. This scenario is listed as

“varied rates” in the table.

Table 2.7. Savings Match Rates Provided per Asset Goal

Savings Match Rate Provided Asset Goal:

Home Purchase

Asset Goal:

Small Business

Asset Goal:

Education

$1 to $1 5% 6% 8%

$2 to $1 55% 63% 60%

$2.5 to $1 <1% <1% <1%

$3 to $1 18% 14% 14%

$4 to $1 10% 7% 7%

$5 to $1 1% 1% 1%

$8 to $1 <1% <1% 1%



Match Levels and Deposit Requirements

Table 2.8 provides details about participant AFI IDA savings and project matching fund

characteristics. The AFI Act sets a maximum amount of Federal grant funds that may be

provided as matching funds to any participant. Within this limit, grantees are allowed to

establish the savings-to-match ratio–“the match rate”–for their participants’ IDAs. Therefore,

the amount of participant savings that will be matched varies from project to project. It ranges

from a low of $200 to a high of $4,000; the average is $1,555. For many projects, the maximum

varies with the participant’s asset goal. For some AFI Network Projects, these factors vary by

subgrantee or subrecipient.

Other features of AFI IDAs also vary among projects, as shown on Table 2.8, based on

availability of funds, IDA savings match rate, participant characteristics, and so forth. Variables

include the minimum initial or opening deposit; the number, amount, and schedule of regular

deposits; and the number of missed deposits allowed. The minimum opening deposit amounts

that AFI Projects require range from zero to $250, with an average of $25. The minimum

monthly deposit required ranges from zero to $125, also with an average of $25. Over half (51percent) of AFI Projects require minimum monthly deposits from $20 to $30. In addition, 30

projects have varying deposit requirements, depending on the participant’s savings goal or other

factors. Finally, the number of missed deposits that AFI Projects allow before terminating a

participant ranges up to six, with an average of three.

Table 2.8. Savings and Match Characteristics

Savings and Match Characteristic Mean RangeNumber of AFIProjects with

Characteristics*

Maximum amount of IDA savings

that can be matched$1,555 $200 to $4,000 37

Minimum initial or opening deposit

into the IDA$25 $0 to $250 22

Minimum monthly deposit into the IDA$25 $0 to $125 30

Number of deposits a participant may miss

before being terminated from the project3 0 to 6 31

Number of Projects Reporting 251-269**

* Grantees may allow their participants some flexibility in IDA savings and match requirements. This number does

not include those projects that indicated a varying amount or number



Project Staffing

AFI grantees and their subrecipients (in the case of AFI Network Projects) use an average of 1.77 Full-Time Equivalent (FTE) staff to manage their AFI Projects (approximately 71 Staff

Hours/Week). This number of staff typically increases in proportion to the number of

participants served. As can be seen in Table 2.9, grantees that have projects with fewer than 25

participants have on average about 0.69 FTE employees and 0.41 FTE volunteers. Grantees

whose AFI Projects have 150 or more participants operate their project with an average of 3.04

FTE staff and 0.52 FTE volunteers. Grantees that are operating new projects prior to enrolling

participants (as indicated in Table 2.9 as the row with “0” number of accountholders) requiredalmost as much staff time as those with fewer than 25 participants (0.68 FTE employees as

compared to 0.69 FTE employees), although newer projects tend to rely on more volunteer

resources. In addition, grantees reported that Americorps volunteers provided more than 1,000

hours per week, on average. Appendix B provides detailed information about project staffing.

Table 2.9. Average and Total Number of Staff per Accountholder

Number of

Accountholders

Average Number Average Number

of FTE Volunteers

Total AverageFTE Staff

(Employees plus

Volunteers)

of FTE Employees

0 0.68 0.08 0.76

1 to 24 0.69 0.41 1.10

25 to 74 0.93 0.30 1.23

75 to 149 1.66 0.21 1.87

150 or more 3.04 0.52 3.56

Overall 1.43 0.34 1.77

Number of Projects Reporting 281 281 281

Notes: This table reflects the number of FTE staff for lead and partner agencies combined. Full time equivalent(FTE) is equal to 40 hours per week.

Training for Participants

All AFI Project grantees are required to provide participants training in general financial

education. They may also offer participants additional training about the participant’s intended

asset goal.



by other organizations, such as “Money Smart” distributed by the Federal Deposit Insurance

Corporation.

The duration of the basic financial education that grantee organizations or their partners provide

to AFI participants ranges from two hours to 32 hours; the average amount of required training is

12.5 hours. Over two thirds (69 percent) of all participants have completed the general financial

education requirement thus far. Table 2.10 presents information on training types and

requirements. Appendix C presents additional details about the financial education provided.

Asset-Specific Training

In addition to general financial education, many AFI Projects also require and provide

specialized training that is specific to the participants’ savings and asset purchase goals. This

training ensures that participants have information on how to purchase their desired asset and

maintain it after the purchase.

Across all AFI Projects, roughly 46 percent of all participants saving for home ownership havereceived training provided by the AFI grantee organization or another source. The length of

these courses ranged up to 48 hours, averaging 8.6 total hours per course. Two thirds (66

percent) of all participants saving for small business have received their asset-specific training.

The length of these courses ranged up to 100 hours, averaging 13.3 total hours per course.

Finally, over half (56 percent) of all participants saving for postsecondary education have

received specific training for this asset. The duration of the courses or counseling required for

this purpose ranged up to 100 hours, averaging 5.8 total hours.

Table 2.10 displays this information. Also see Appendix D, which lists the types of asset-

specific training provided to participants by each AFI Project or their partner organizations.

Table 2.10. Participant Completion Rates of Required Training

Type of Training Required:General and Asset-Specific

Minimum

Hours ofTraining the

Grantee

Requires

Maximum


Grantee

Requires

Average


Grantee

Requires (n)

Percent of

Participants WhoHave Received the

Required Amount

of Training (n)*

12.5 hours 69%General Financial Education 2 hours 32 hours

(282) (279)



Other Support Services Offered for Participants

In addition to financial and asset-specific education, AFI Projects provide an array of supportservices to their participants independently or with their partner organizations. Many grantees

are community-based human services organizations that routinely provide a variety of support

services to their clients, including AFI Project participants. Some of these services are financial

in nature, such as financial counseling, credit repair, and loans. Others are more general, such as

employment support, child care, transportation, medical care, crisis management, mentoring, and

peer support.

A total of 77 percent of AFI Projects provide financial counseling, and 75 percent provide credit

counseling, repair and planning for participants. A smaller percentage offer services such as

advanced financial education, loans, or cash assistance. Furthermore, approximately 50 percent

offer general support services such as crisis management, peer support, mentoring, planning, and

child care. A smaller percentage offer transportation, medical referrals, and other types of

services. Table 2.11 provides this information.

Table 2.11. Services Provided to Participants

AFI Projects that Provided

Type of Services Provided by AFI Projects the Service at any time

from FY 1999 to FY 2005

Financial Information and Intervention Services

Counseling 77%

Credit Repair 75%

Loans 37%

Advanced Financial Education 35%

Cash 20%

Other 7%

General Support Services

Crisis Management 53%

Employment Support 52%

Structured Planning Exercises 51%

Peer Support 50%

Mentoring 49%

Child care 48%

Transportation 36%



Some types of services, such as financial counseling services, are more likely to be offered by

the grantee directly, rather than through a subgrantee or partner organization. This is also true of

cash aid, peer support, and structured planning exercises. Many grantees use a combination of

service delivery methods, often providing services in-house, as well as through other partner

agencies. Table 2.12 illustrates the percentage of grantees that use each delivery mechanism by

type of service.

Table 2.12. Services Provided by Grantees and Other Agencies

Type of Services Provided

to AFI Participants

Grantees that Provide

the ServicesIn House

Grantees Whose

Participants Receive

Services from Other

Agencies

Financial Information and Intervention Services

Counseling 83% 56%

Credit Repair 69% 70%

Advanced Financial Education 70% 66%

Loans 66% 64%

Cash 77% 56%Other 74% 74%

General Support Services

Employment Support 68% 75%

Crisis Management 75% 66%

Peer Support 84% 49%

Child Care 65% 66%

Structured Planning Exercises 80% 52%Transportation 69% 60%

Medical (treatment referrals) 31% 84%

Mentoring 74% 64%

Other 76% 68%


Notes: These two service delivery categories are not mutually exclusive. Many projects provide services both “inhouse” and also through arrangements with other organizations or partners. Therefore, the percentages listed in the

two categories total more than 100 percent. Percentages shown are based on those who cited offering the services,not the full 291 projects reporting on the question.



3. Project Participants

he Assets for Independence Act imposes a number of parameters within which all regular

AFI Projects must be administered. Among the most important is participant eligibility.

The law allows grantees to enroll only low-income individuals who have earned income.

Individuals may participate in an AFI Project if they are either: 1) eligible for their State’s

Temporary Assistance for Needy Families (TANF) program or 2) eligible for the Federal Earned

Income Tax Credit or they have an annual household income below 200 percent of Federal

poverty and if their household net worth is less than $10,000 (excluding the value of a primary

dwelling and one motor vehicle).

T

This section provides cumulative information about all individuals who have been participants in

regular AFI Projects (not special State Projects) since 1999. It provides information about the

participants’ demographic characteristics and their previous relations with financial institutions.

Number of Accountholders

Participants in regular AFI Projects have opened a total of 28,570 AFI IDAs. 15 This represents

an increase of 7,532 (36 percent) of the number of accounts in regular Projects opened as of one

year previously. Table 3.1 provides year-by-year, program-wide trends on this data element.

Appendix E provides project-by-project information about the number of accounts opened.

Table 3.1. Number of IDAs Opened by Participants in Regular AFI Projects

Cumulative Number of IDAs OpenedYear AFI Project

Grant Awarded End of FY 2002 End of FY 2003 End of FY 2004 End of FY 2005

1999 4,722 6,110 7,576 8,081

2000 1,373 1,955 2,827 3,512

2001 1,718 3,255 6,425 8,825

2002 -- 932 3,153 4,467

2003 -- -- 1,057 2,213

2004 -- -- -- 1,472

T t l 7 813 12 252 21 038 28 570



Path from Recruitment/Orientation to Account Opening

The typical project includes four steps to opening an IDA. First, grantees publicize the AFI

Program and recruit participants. Prospective participants attend an orientation session about the

program to learn about the benefits of saving regularly and strategies that can help them save.

Second, they submit an application for participation, including proof of eligibility. Next, those

determined to be eligible for the program enroll and create a savings plan agreement. Finally,

they attend financial education courses and open their IDA, meanwhile receiving coaching, case

management, and other support services from the AFI grantee. Figure 5 shows the path from

orientation to account opening.

In addition to those participants who actually successfully complete an IDA, more families and

individuals participate in, and benefit from, AFI Projects’ services. Some individuals participate

in only some aspects of the AFI Project, but do not progress through every stage of participation

or ultimately achieve their savings goal and make an asset purchase. For example, some may

attend an orientation session; enroll and receive services, such as financial training, financial and

debt counseling, and savings coaching; and/or start to save earned income regularly for a time in

an IDA; or achieve their goal of purchasing a long-term asset.



Figure 5

11

RREECCRRUUIITT AANNDD OORRIIEENNTT

NNEEWW PPAARRTTIICCIIPPAANNTTSS

• Publicize AFI Program• Sponsor orientation sessions

22

EENNRROOLLLL

PPAARRTTIICCIIPPAANNTTSS

• Receive applications and verify eligibility• Create participant Savings Plan Agreement

33

PPRROOVVIIDDEE FFIINNAANNCCIIAALL

EEDDUUCCAATTIIOONN AANNDD TTRRAAIINNIINNGG

• Financial education• Money management• Credit and debt counseling

44

OOPPEENN AAFFII IIDDAA

During Savings Period:• Coaching• Case management• Support services

GRANT EE ACTIVI TIES AND SERVICES

From Participant Recruitment to AFI IDA Opening



For this report, 245 regular AFI Program grantee organizations provided detailed information

about the numbers of individuals involved in each successive step of the process. Those grantees

reported that almost 86,000 individuals have attended an orientation session to learn more about

their AFI Projects. Of those, 40 percent (34,556) submitted an application to participate. Among

the applicants, 73 percent (25,147) enrolled. Among those who enrolled, 92 percent (23,215)

eventually opened an AFI IDA. Table 3.2 displays this information.

Table 3.2. AFI Project Activities Attendance

Number of

IndividualsAFI Project Activity

Attended information session 85,716

Submitted an application 34,556

Enrolled in project 25,147

Opened an AFI IDA 23,215


Note: This table does not include information about special

State projects in Indiana and Pennsylvania

Characteristics of Participant Accountholders

This section provides demographic information about participants who have actually opened AFI

IDAs. These characteristics are based on the cumulative number of IDAs that have been opened

since the AFI Program began in FY 1999. Each table reflects the status of all AFI participants

that have enrolled since FY 1999 as of the end of each of Fiscal Years 2002 through 2005, orfrom 2004 to 2005 in some instances where the data question was new or different than previous

years. The tabulations also include information about participants who have closed their AFI

IDA, either because they reached their savings goal, received their IDA match funds, and

purchased an asset, or because they used their savings for another purpose and subsequently

dropped out of the project without receiving their IDA matching funds.

Please note that, due to rounding, amounts presented in some of the following charts do not addup to 100 percent. Each table notes the number of AFI Projects that provided data for the

demographic characteristic.

Gender



Table 3.3. Gender of Accountholders

Percentage of Participants

Who Had Opened an AFI IDA

Gender End of

FY 2002

End of End of

FY 2004

End of

FY 2005FY 2003

Female 81% 78% 78% 76%

Male 19% 22% 22% 24%

Number of Projects Reporting 113 161 231 273

Note: This table does not include information about special State projects in Indiana and Pennsylvania.

Race/Ethnicity

African Americans have opened close to one half (45 percent) of all AFI IDAs since the

beginning of the program. Caucasians have opened about one quarter (27 percent) of IDAs. The

percentage of accounts opened by Hispanics has increased over the past four years, accounting

for approximately 17 percent of all AFI IDAs. A combined total of 11 percent have been opened

by Asian Americans, Pacific Islanders, Native Americans, and those of other ethnicities. Table

3.4 summarizes the racial and ethnic distribution of accountholders. See Appendix G for project-by-project information on this topic.

Table 3.4. Race/Ethnicity of Accountholders


Who Had Opened an AFI IDARacial or Ethnic Group

End of

FY 2002

End of End of

FY 2004

End of

FY 2005FY 2003African American 48% 47% 46% 45%

Caucasian 33% 32% 28% 27%

Hispanic 13% 14% 16% 17%

Asian/Pacific Islander 3% 3% 6% 4%

Native American 2% 2% 1% 2%

Other 2% 3% 3% 5%

Number of Projects Reporting 113 160 234 270 Note: This table does not include information about special State projects in Indiana and Pennsylvania.

Marital Status



Table 3.5. Marital Status of Accountholders at Time of Enrollment



Marital Status End of

FY 2002

End of End of

FY 2004

End of

FY 2005FY 2003

Single, Never Married 55% 53% 54% 54%

Married 22% 23% 23% 24%

Divorced 15% 17% 16% 15%

Separated 7% 6% 6% 6%

Widowed 1% 1% 1% 1%

Number of Projects Reporting 113 158 232 264 Note: This table does not include information about special State projects in Indiana and Pennsylvania.

Household Composition

There are two elements of household composition: the number of adults (Table 3.6) and the

number of children (Table 3.7). As of the end of FY 2005, the majority (59 percent) of all

participants who had ever opened an AFI IDA have been from households with only one adult(including the accountholder); 32 percent were from households with two adult members; and

very few accountholders (less than 10 percent) have been from households with three or more

adults. These ratios have not changed significantly over the past two years. See Appendix I for

project-by-project data about this topic.

Table 3.6. Number of Adults in Household at Time of Enrollment16


Who Had Opened an AFI IDANumber of Adult

Household MembersEnd of FY 2004 End of FY 2005

1 60% 59%

2 31% 32%

3 6% 6%

4 or more 3% 3%



Table 3 7 shows the distribution of the number of children per household of AFI Accountholders



Table 3.7. Number of Children in Household at Time of Enrollment17


Who Had Opened an AFI IDANumber of Children

in Household End of FY 2004 End of FY 2005

0 21% 22%

1 27% 27%

2 27% 27%

3 16% 15%

4 or more 10% 9%

Number of Projects Reporting 228 253 Note: This table does not include information about special State projects in Indiana and Pennsylvania.

Household Income

The AFI Program is designed to support low-income individuals and families, as is evident from

the project eligibility criteria. As demonstrated in Table 3.8, almost half (48 percent) of all

individuals who have ever opened an AFI IDA as of the end of FY 2005 had a household incomebetween 150 and 200 percent of the Federal poverty line18 when they enrolled. One quarter (25

percent) reported that their income was between the poverty line and 150 percent of it,19 and

slightly more than a quarter (27 percent) reported that they were living in poverty with an income

less than the Federal poverty amount.20

Over the course of the program, the proportion of participant accountholders has shifted

gradually from very low-income families to individuals and families with slightly higherincomes, though still well within the AFI income eligibility requirements. As of the end of FY

2002, about 36 percent of accountholders had reported incomes above 150 percent of poverty; at

the end of FY 2003, that number was about 40 percent. The more recent data show that 48

percent of all accountholders reported incomes in this category. By contrast, the total percentage

of accountholders who reported below-poverty household incomes when they first enrolled has

fallen nearly 8 percent (from 35% to 27%) between FY 2002 and FY 2005.

17 Only two years of data are shown because the question was changed after the FY 2003 data were collected.18 The Federal Poverty guideline is adjusted annually, and the guidelines include varying amounts depending on

household size. For Federal Fiscal Year 2005, for example, the range between 150 and 200 percent of poverty



The table displays information about household income of accountholders at time of enrollment

at the end of FYs 2002 through 2005. Appendix K provides project-by-project details about this

issue.

Table 3.8. Household Income at Time of Enrollment


Who Had Opened an AFI IDAHousehold Income Range

End of

FY 2002

End of End of

FY 2004

End of

FY 2005FY 2003

Below Poverty 35% 30% 22% 27%

100-150% of Poverty 29% 30% 29% 25%

150-200% of Poverty 36% 40% 48% 48%



Residence Area

As of the end of FY 2005, 80 percent of people who ever participated in any AFI Project lived in

urban areas (major and minor) when they enrolled. An estimated 20 percent lived in rural or

remote areas. (See Table 3.9). This has remained constant over the past two years. Appendix L

presents project-by-project data on this characteristic.

Table 3.9. Residence Area of Accountholders at Time of Enrollment21

Percentage of ParticipantsWho Had Opened an AFI IDAResidence Area

End of FY 2004 End of FY 2005

Major Urban Area 45% 43%

Minor Urban Area 36% 37%

Rural or Remote Area 19% 20%


Note: A “major urban area” is a metropolitan statistical area with a population greater than 1,000,000. A “minorurban area” is one with a population between 500,000 and 999,999. “Rural” encompasses areas not covered in

“Major Urban Area” and “Minor Urban Area.”

C



Education Credentials

The educational status of AFI Project participants at time of enrollment has been diverse each

year of AFI, as can be seen in Table 3.10. Our most recent data indicate that the vast majority (85percent) of individuals who have ever enrolled in an AFI Project have had high school or

postsecondary education, with more than half (53 percent) having obtained education beyond the

high school level. About one third (31 percent) have obtained some college education, and more

than one fifth (22 percent) had already completed an associate’s or bachelor’s degree or more

education when they enrolled in the project. The data indicate a consistent distribution in the

educational background of project participants from year to year. Project-level details are

displayed in Appendix M.

Table 3.10. Education Credentials of Accountholders at Time of Enrollment


Who Had Opened an AFI IDAEducation Credential

End of

FY 2002

End of End of

FY 2004

End of

FY 2005FY 2003

No High School Diploma 12% 13% 15% 15%High School Diploma/Vocational

School Certificate34% 29% 29% 33%

Some College 35% 35% 34% 31%

Associate’s Degree 8% 10% 8% 9%

Bachelor’s Degree or Higher 12% 13% 14% 13%



Age

Slightly more than one third (37 percent) of participants who have ever opened an AFI IDA were

between 30 to 39 years of age at enrollment, with roughly equal portions in their 20s or their 40s,

26 percent and 24 percent respectively. Nine percent were 50 years or older. Less than four

percent of participants were ages 19 or younger when they enrolled. Table 3.11 shows summaryinformation about participant age for the past two years,22 during which the data have been

almost constant. Appendix Table N presents details on this topic.

T bl 3 11 A f A th ld t Ti f E ll t



Table 3.11. Age of Accountholders at Time of Enrollment



Age Range End of FY 2004 End of FY 2005

19 and younger 3% 4%

20 - 29 years 26% 26%

30 - 39 years 37% 37%

40 - 49 years 24% 24%

50 years or older 9% 9%

Not known 1% --

233 266 Number of Projects Reporting

Employment Status

Almost 90 percent of all participants who opened AFI IDAs have been employed either full-time

or part-time when they enrolled. The majority (65 percent) has been employed full-time, and

another 24 percent were employed part-time. A very small number have been either unemployed(4 percent) or retired (less than 1 percent) when they enrolled. Those who had no income when

they enrolled obtained jobs in order to have earned income for deposit into their AFI IDAs. This

data element has remained relatively constant, with slightly more enrollees reporting that they

were employed only part-time, and fewer reporting that they were full-time students. Table 3.12

shows these statistics.23 Appendix Table O provides details about each project’s participants.

Table 3.12. Employment Status of Accountholders at Time of Enrollment


Who Had Opened an AFI IDAEmployment Status


Employed Full Time 64% 65%

Employed Part Time 20% 24%

Unemployed 3% 4%

Student 8% 5%

Retired 1% <1%

Other 3% 2%


N t Thi t bl d t i l d i f ti b t i l St t j t i I di d P l i

Acco ntholder Prior Banking Relationships



Accountholder Prior Banking Relationships

Prior Checking or Savings Accounts

The AFI IDA has been the first savings or checking account ever owned by many participants.

As shown in Table 3.13, only about half of all participants have used a savings account before

they enrolled in the AFI Project. Similarly, only about 65 percent ever had a checking account

prior to enrolling. The percentage of participants with either type of prior account ownership has

increased only marginally since FY 2002.

Table 3.13. Accountholder Prior Banking Relationships


Who Had Opened an AFI IDAType of Banking Relationship

End of

FY 2002

End of

FY 2003

End of

FY 2004

End of

FY 2005

With a savings account prior to enrollment (n)49%

(79)

48%

(128)

50%

(198)

51%

(210)

With a checking account prior to enrollment (n) 61%(79) 64%(129) 65%(199) 65%(212)

Using paycheck direct deposit (n)13%

(64)

13%

(95)

12%

(139)

9%

(190)

Using automatic allotment/deposit for their IDA(n)5%

(70)

6% 10% 9%

(104) (163) (192)

Notes: This table does not include information about special State projects in Indiana and Pennsylvania.

In this table, the (n) is the number of grants for which data was submitted.

History of Using Paycheck Direct Deposit at Time of Enrollment

As of the end of FY 2005, only very few (9 percent) of all AFI accountholders ever used direct

deposit of paychecks prior to enrolling in the AFI Project. This information is shown in Table

3.13.

History of Using Automatic Allotment/Deposit Procedures at Time of Enrollment

Similarly, only a small share of the cumulative number of AFI accountholders (9 percent) had

ever used automatic banking procedures, such as automatic transfers from other bank accounts or

deposit of part of their paychecks directly into their IDAs prior to enrollment Many projects do



4. AFI Project Financial Management

he AFI Program requires grantees to follow specific procedures and standards for

managing Federal AFI grant funds and nonfederal resources. It also imposes rules for

administering participants’ IDAs. This section provides detailed information about these

core financial management requirements.

TThe grantees must establish a special bank account called the Project Reserve Account. Theymust deposit all Federal AFI grant funds and the corresponding nonfederal cash resources into

the Project Reserve Account, and manage these funds according to specific rules. In addition,

grantees must also track and account for all earned income participants deposits into and

withdraw from their IDAs.

AFI Federal Grant Funds Drawn Down

A subset of grantees that are administering 289 AFI Projects provided complete information

about their uses of Federal grant funds. As of the end of FY 2005, they reported that they had

accessed or drawn down a cumulative total of $34,726,445 of their Federal AFI grant funds and

deposited it into their Project Reserve Accounts. Table 4.1 displays this information, and

Appendix P lists the details for each project.

As shown by the amounts of AFI Federal funds drawn down at the end of each of the past four

Federal Fiscal Years in Table 4.1, it is clear that grantees are making progress toward drawing

down their full Federal AFI grant amounts. For example, the grantees that received AFI awards

in FY 1999 had drawn down 60 percent of their AFI grant funds by the end of 2002 and 82

percent by the end of FY 2005. The organizations that received AFI grants in FY 2000 had

drawn down 61 percent of their grants through the end of FY 2002, and 72 percent of their grants

by the end of FY 2005. The grantees that received AFI awards in FY 2004 had drawn down 19percent of their grants in their first year of operations.

Table 4 1 Amount and Portion of Federal AFI Grant Drawn Down




Table 4.1. Amount and Portion of Federal AFI Grant Drawn Down

End of FY 2002 End of FY 2003 End of FY 2004 End of FY 2005Grant Year

Amount % Amount % Amount % Amount %1999 $4,629,299 60% $5,340,677 69% $7,191,314 85% $7,569,283 82%

2000 $2,491,396 61% $2,937,916 72% $2,901,141 75% $3,051,944 72%

2001 $3,739,565 25% $6,203,421 43% $8,361,854 45% $10,079,241 60%

2002 -- -- $2,238,183 18% $5,951,861 40% $6,310,947 39%

2003 -- -- -- -- $2,648,088 23% $4,422,614 35%

2004 -- -- -- -- -- -- $3,292,416 19%

Total $10,860,260 40% 43% $27,054,259 47% $34,726,445 45%$14,482,014

Number of Projects Reporting 118 171 226 289 Note: Slight changes in the percentages reflect corrections and adjustments provided by AFI Projects to their financial information in the FY 2005 reports. Thistable does not include information about special State projects in Indiana and Pennsylvania.

As



Amounts Deposited of Nonfederal Funds



Amounts Deposited of Nonfederal Funds

Table 4.3 shows that the reporting AFI grantees have deposited $39,723,187 of nonfederal

funds into their Project Reserve Accounts as of the end of FY 2005. This represents a

substantial increase from the cumulative amount deposited over the past year. This amount

is 49 percent of nonfederal funds pledged by grantees when they applied for AFI Program

funding. This amount is the total for all regular grantees, including those that have been

implementing projects for five or more years as well as those that are in their first year of

implementation.

Grantees also continued to succeed at leveraging the Federal grant funds to obtain additionalfunds beyond the required nonfederal amount. As seen by comparing Tables 4.1 and 4.3, the

grantees’ deposits of nonfederal resources ($39,723,187) into their Project Reserve Accounts

well exceed the amounts of Federal funds drawn down and deposited ($34,726,445). By the

end of FY 2005, nonfederal deposits are about 14 percent higher than the Federal funds

drawn down and deposited into those accounts. Appendix P provides more details about the

amounts deposited by each grantee into the Project Reserve Account.

Amounts Deposited in Participant IDAs

A total of 28,570 individuals and families have opened an AFI IDA account as part of a

regular AFI Project. These participants have deposited a total of $21,593,890 of earned

income into their accounts. They have deposited an average amount of $756. See Table 4.4.

As shown on Table 4.4, the average cumulative participant savings increased substantially–

by 49 percent–over the past four fiscal years. It increased from $508 at the end of FY 2002

and $592 at the end of FY 2003, to $697 at the end of FY 2004, and to $756 at the end of FY

2005.

Table 4.3. Nonfederal Amounts in Project Reserve Accounts




End of FY 2002 End of FY 2003 End of FY 2004 End of FY 2005

Grant YearAmount

Number of

ProjectsReporting

Amount

Number of

ProjectsReporting

Amount

Number of

ProjectsReporting

Amount

Number of

ProjectsReporting

1999 $5,739,964 32 $6,483,196 32 $8,447,022 34 $8,820,287 36

2000 $2,807,466 21 $3,248,745 21 $2,941,225 19 $3,307,604 21

2001 $4,501,464 65 $7,100,748 64 $10,509,894 73 $12,320,986 72

2002 -- -- $3,111,691 55 $5,340,885 55 $6,959,426 59

2003 -- -- -- -- $3,121,594 42 $4,417,840 43

2004 -- -- -- -- -- -- $3,897,044 58

Total $13,048,894 118 $19,944,380 172 $30,360,620 223 $39,723,187 289


Table 4.4. Cumulative Number of IDAs Ever Opened and Amounts of Earned Income Ever Deposited

End of FY 2002 End of FY 2003 End of FY 2004 End of FY 2005Grant

Year Number

of IDAs

Savings

Deposited

Average

Savings

Number

of IDAs

Savings

Deposited

Average

Savings

Number

of IDAs

Savings

Deposited

Average

Savings

Number

of IDAs

Savings

Deposited

Average

Savings

1999 4,722 $2,728,905 $578 6,110 $4,302,168 $704 7,576 $6,759,926 $892 8,081 $8,266,575 $1,023

2000 1,373 $624,282 $455 1,955 $1,081,745 $553 2,827 $1,636,919 $619 3,512 $2,323,726 $662

2001 1,718 $618,869 $360 3,255 $1,603,255 $493 6,427 $4,289,602 $667 8,825 $6,271,767 $711

2002 -- -- -- 932 $240,437 $271 3,153 $1,566,549 $494 4,467 $2,851,803 $638

2003 -- -- -- -- -- -- 1,057 $303,120 $287 2,213 $1,208,691 $546

2004 -- -- -- -- -- -- -- -- -- 1,472 $671,328 $456

Total 7,813 $3,972,055 $508 12,252 $7,227,605 $592 21,038 $14,556,117 $697 28,570 $21,593,890 $756

Number of

Projects

Reporting

117 110 92 169 156 139 290 290 231 222 192 290


As

As shown on Table 4.5, the average amount of participant savings has grown over time. For 26



percent of regular AFI Projects, the average savings was less than $400 per account, and for 54

percent of the AFI Projects, the average was more than $600. Only 12 months earlier, the

average amount of participant IDA savings was less than $400 per account for 34 percent of projects, and the average was more than $600 for only 41 percent. Appendix Q provides detailed

information about cumulative accountholder savings deposits by project. Overall, amounts have

increased over all four years.

Table 4.5. Average Participant IDA Savings Balances

Percentage of AFI ProjectsAverage Participant

IDA Savings Balances End of

FY 2002

End of

FY 2003

End of

FY 2004

End of

FY 2005

$0-$199 18% 17% 13% 7%

$200-$399 29% 24% 21% 19%

$400-$599 25% 24% 25% 19%

$600-$799 14% 11% 16% 19%

$800 or more 13% 23% 26% 35%



Purposes for and Amounts of IDA Withdrawals

The AFI Act imposes strict guidelines concerning participants’ uses of their AFI IDA savings

and matching funds. Participants are expected to make regular deposits of earned income into

their IDAs, and they are allowed to access those funds only for particular asset purchase or

expenses and in certain circumstances. Grantees enable participants to use their IDA savings for

the purchase of any of three allowed assets, as required by the AFI Act and program rules: first

home, a small business, or postsecondary education. Grantees may also allow their participants

to transfer their IDA savings to an IDA owned by a family member to be used for the same

purposes. Participants who use their savings for any of these purposes have the benefit of

receiving IDA matching funds. Additionally, participants may withdraw their savings to cover

certain emergency needs, but will not receive any IDA matching funds if they do so. Finally, a

participant who withdraws IDA savings for any other purpose may be suspended or terminated

from the AFI Project.

Accountholder Intended Use of IDA Savings at Time of Enrollment



Almost two thirds of individuals who have opened an AFI IDA (63 percent) opened them with

an intention to save for home purchase. The remaining accountholders, as shown in Table 4.6,are roughly equally divided on their intended use between business capitalization (19 percent)

and education (18 percent). Very few accountholders (less than one percent) indicated that they

intended to transfer their savings to a family member.

Table 4.6. Accountholder Intended Use of IDA Savings at Time of Enrollment

Percentage of Participants With

Each Intended Use of IDAIntended Use of IDA


Home Purchase 63% 63%

Business Capitalization 19% 19%

Education 18% 18%

Transfer to Family Member <1% <1%



The following section summarizes information about the amounts and trends in participant

savings withdrawals over the six years that the AFI Program has been implemented. More

details are displayed in Appendices Q and R. Appendix Q provides cumulative accountholder

savings and qualified withdrawals per project. Appendix R shows, for each project, the

cumulative amounts of savings withdrawn by participants for home purchase, small business,

and education.

Participant Withdrawals

A total of 16,241 regular AFI Project participants have withdrawn an average of $836 in earned

income for asset purchase, emergencies, and other purposes. The cumulative amount of earned

income withdrawn is $12,664,930 over the entire AFI Program.

About 45 percent of participant savings withdrawals have been for home purchase, small

business, postsecondary education, or transfers to dependants. As can be seen in Table 4.7, a

total of 7,291 participants have withdrawn funds for these specific purposes, with total savings

plus match fund amounts withdrawn for these purposes averaging $1 211 per participant

Table 4.7. Savings and Matching Funds Withdrawn by Participants for Home Purchase,

S ll B i Ed ti d F il T f



Small Business, Education, and Family Transfers

Cumulative Withdrawals for Home Purchase, Small Business,

Education, and Family Transfers as of End of FY 2005Participant Withdrawals andProject Disbursements Home

PurchaseSmall

BusinessEducation

FamilyTransfer

Total*

Number of participants makingthese withdrawals

3,008 2,209 2,057 17 7,291

Amount of earned incomewithdrawn by participants

$4,392,895 $2,380,067 $2,035,939 $23,190 $8,832,091

Average amount withdrawn byeach participant

$1,460 $1,077 $990 $1,364 $1,211

Federal grant funds disbursed asIDA match funds

$4,269,139 $2,558,059 $2,236,212 $21,596 $9,085,006

Nonfederal cash disbursed as IDAmatch funds

$4,868,488 $2,544,786 $2,096,750 $21,596 $9,531,621

Total savings and Federal andnonfederal funds disbursed

$13,530,522 $7,482,912 $6,368,901 $66,382 $27,448,718

Average total funds disbursed perparticipant

$4,498 $3,387 $3,096 $3,905 $3,765

Number of Projects Reporting*262 230 237 71 277

Note: Those who reported both the number of participants making withdrawals and amount of participant savingswithdrawn are included in the table. For those who were missing Federal and/or nonfederal match fund amounts,we imputed the amounts based on the match rate reported, assuming equal portions of Federal and nonfederalmatching funds, as required by AFI. This table does not include information about the special State projects inIndiana and Pennsylvania.

Home Purchase: Withdrawals of Earned Income and Allocations of

Matching Funds

Withdrawals for home purchases have been the most common use of IDA funds. This type of

withdrawal has also been the largest in dollar value. As of the end of FY 2005, regular AFI

Projects reported the number of individuals making withdrawals for this purpose nearly doubled

relative to the prior year. A total of 3,008 individuals had withdrawn $4,392,895 in earned

income for this purpose by the end of FY 2005 (compared with 1,750 individuals who withdrew

$2,465,829 through the end of FY 2004). The withdrawal amounts for home purchase did notchange substantially from the previous year. The average withdrawal for this purpose averaged

$1,460 per participant.

Th t f t hi f d id d t ti i t f h h i $3 038 d

Small Business: Withdrawals of Earned Income and Allocations of

M t hi F d



Matching Funds

Withdrawals for small business were the second most frequent type of IDA use. As reported inTable 4.7, since the AFI Program was first implemented, 2,209 individuals have withdrawn

earned income from their AFI IDAs for this purpose, sometimes making multiple withdrawals as

needed to pursue their approved business plan rather than the single, large withdrawals typical

for home purchase. Participants withdrew a total of $2,380,067 with an average of $1,077 for

this purpose. As with withdrawals for home purchase, the number of individuals making

withdrawals to support a small business nearly doubled between FY 2004 and FY 2005 (from

1,322 at the end of FY 2004 to 2,209 at the end of FY 2005). The average amount withdrawnper individual stayed almost the same ($1,044 through FY 2004 and $1,077 through FY 2005).

Table 4.8 shows that more than half (54 percent) of projects that reported participant withdrawals

indicated that the average amount withdrawn was greater then $1,000, including 29 percent that

reported an average withdrawal of over $1,500. The average small business withdrawal is less

than $500 in only eight percent of the projects that submitted these data.

Table 4.8. Average Participant IDA Withdrawals Across Uses


Average IDA WithdrawalsEnd of

FY 2002

End of End of

FY 2003 FY 2004

End of

FY 2005

Average Amount Withdrawn for Home Purchase

<$500 11% 8% 3% 3%

$500–$999 23% 25% 28% 27%

$1,000–$1,499 41% 32% 29% 27%$1,500–$1,999 11% 20% 18% 22%

$2,000+ 14% 15% 22% 22%


Average Amount Withdrawn for Small Business

<$500 24% 31% 12% 8%

$500–$999 42% 35% 35% 38%

$1000–$1,499 33% 35% 30% 25%

$1,500+ -- -- 24% 29%Number of Projects Reporting 33 55 101 133

Average Amount Withdrawn for Postsecondary Education

<$200 27% 13% 5% 4%

$200–$499 15% 28% 20% 14%

Postsecondary Education: Withdrawals of Earned Income and Allocations of

Matching Funds



Matching Funds

Education purchase is the third most popular AFI IDA savings goal. Table 4.7 shows that as of the end of FY 2005, 2,057 project participants had withdrawn savings for this purpose. This

number is nearly double the 1,267 number reported at the end of FY 2004. These participants

withdrew $2,035,939 in earned income, averaging $990 per participant. Multiple withdrawals

are common as participants pay for credit hours and related expenses as they progress along their

educational paths. Therefore, the averages are generally much smaller: almost two thirds (60

percent) of withdrawals have been in amounts between $200 and $999. (See Table 4.8.)

AFI Projects have disbursed an average of $2,106 in Federal and nonfederal matching funds for

postsecondary education withdrawals over the course of the program. The average amount of

savings plus matching funds made available to participants for this purpose is $3,096. (See

Table 4.7.)

Emergency Withdrawals of Earned Income Only

Participants may access their IDA savings–that is, the amount of earned income they have

deposited into their IDAs–for certain emergency situations: when needed to cover medical

expenses, prevent eviction, or to cover living expenses following loss of employment.

Participants who withdraw their earned income from their IDAs in such situations do not have

access to the matching fund allocation, and they must return any amount of savings they

withdraw within 12 months to remain in the program.

IDA savings have been an important source of emergency support for a number of project

participants. A total of 1,291 participants in regular AFI Project have used their IDA savings for

this purpose. They withdrew a total of $677,744. Across grants where both the number of

participants and dollar amount of emergency withdrawals are available, the average emergency

withdrawal is $530. Appendix S provides project-by-project information about this withdrawal

category.

Other Withdrawals of Earned Income

While participants are strongly encouraged to follow their savings plan and deposit savings over

the course of the AFI Project a significant number of participants who open IDAs find it

As of the end of FY 2005, a total of 7,191 participants had made nonqualified withdrawals.

These participants withdrew a total of $3 148 233 of earned income from their AFI IDAs



These participants withdrew a total of $3,148,233 of earned income from their AFI IDAs.

Across grants where both the number of participants and dollar amount of nonqualified

withdrawals were available, the average is $480 per withdrawal. See Appendix S for moredetails. The annual data collection does not focus on the nonqualified withdrawals, nor does it

include questions about why participants make these withdrawals.

Balances Remaining in Participant IDAs

As shown on Table 4.9, a total of 13,147 AFI IDAs remain open in regular AFI Projects, withtotal participant savings of $7,644,677. These accounts have an average balance of $581. This

average represents an increase of approximately nine percent relative to the average earned

income savings balance of $533 in open AFI IDAs in the past year.

Individuals who have been participating in AFI Projects with earlier start dates have had more

time to accumulate savings. Thus, for example, people who enrolled in AFI Projects that started

in 1999 had much larger average balances in open accounts ($855) than did participants whoenrolled in later years. The average balances for participants in projects that started between

2000 and 2002 were in the range of $531 to $617. The average balance is $473 for projects that

received AFI funding in 2003 and $448 for projects that received AFI funding in 2004.

As shown in Table 4.10, slightly over one third of all AFI Projects (38 percent) have average

IDA balances of earned income of less than $400, including 15 percent with balances under

$200. At the upper limit, nearly one quarter (24 percent) of projects have average balances of

more than $800, and another 17 percent have average balances between $600 and $799, and 21percent have average balances between $400-$599.

The average balances have grown substantially between FY 2004 and FY 2005. At the end of

FY 2004, only 14 percent of projects had average balances above $800, compared with nearly

one quarter at the end of FY 2005. Over half (54 percent) have average balances below $400,

compared with only 38 percent at the end of FY 2005.

Table 4.9. Number of Open IDAs and Total and Average Earned Income Savings Balances at End of each Fiscal Year

E d f FY 2002 E d f FY 2003 E d f FY 2004 E d f FY 2005




End of FY 2002 End of FY 2003 End of FY 2004 End of FY 2005Grant

Year

Number of

Open IDAs

Total

SavingsBalance

Average

SavingsBalance

Number of

Open IDAs

Total

SavingsBalance

Average

SavingsBalance

Number of

Open IDAs

Total

SavingsBalance

Average

SavingsBalance

Number of

Open IDAs

Total

SavingsBalance

Average

SavingsBalance

1999 3,696 $1,966,618 $532 3,838 $2,293,831 $598 2,832 $2,075,198 $741 989 $845,529 $855

2000 1,280 $475,937 $372 1,457 $626,956 $430 1,007 $450,167 $447 1,473 $782,829 $531

2001 1,600 $545,093 $341 2,830 $1,230,965 $435 6,329 $1,728,683 $497 4,736 $2,920,514 $617

2002 -- -- -- 903 $259,678 $288 1,613 $638,023 $396 3,098 $1,776,870 $574

2003 -- -- -- -- -- -- 846 $288,182 $347 1,661 $786,035 $473

2004 1,190 $532,900 $448

Total 6,576 $2,987,648 $454 9,028 $4,411,430 $489 12,627 $5,180,253 $533 13,147 $7,644,677 $581

Number of

Projects

Reporting

109 112 92 157 157 137 212 206 206 290 289 289


Table 4.10. Earned Income Savings Balances for Accounts Open at End of each Fiscal Year

Average Amount of

Earned Income on

Deposit in Open IDAs

Percentage at

End of FY 2002

Percentage at

End of FY 2003

Percentage at

End of FY 2004

Percentage at

End of FY 2005

$0 - $199 22% 25% 19% 15%

$200 - $399 32% 24% 35% 23%

$400 - $599 21% 22% 19% 21%

$600 - $799 13% 13% 14% 17%

24%14%16%13%$800 or moreNote: This table does not include information about special State projects in Indiana and Pennsylvania.

As



5. Special State Projects in Indiana and Pennsylvania

he AFI Act authorizes OCS to issue grants to support State-administered IDA projects

that were initiated before the AFI Program was created.24 Two states–Indiana and

Pennsylvania–meet this criterion and have received AFI grants each year since Fiscal

Year 1999. The States may use the AFI Grants to support their programs as authorized in

their State laws. They are exempt from many of the AFI requirements and guidelines. These

State projects and their status are described below.

T

State of Indiana Demonstration Program

Program Administration and Funding Sources

The Indiana IDA Demonstration program is administered by the Indiana Housing and

Community Development Authority. The program was established by state law in 1997, makingit one of the earliest large-scale IDA programs in the country. Initially implemented with State

funding alone, it began receiving AFI support in FY 1999 and has received additional AFI grant

funds annually since that time. The program’s primary sources of support are AFI and annual

state appropriations. As shown in Table 5.1, between FY 1999 and FY 2004, the program has

received $5.1 million in AFI funds. It also received $9.5 million in state funds during this

period.

Table 5.1. Number of Grants and Dollar Amounts Awarded per Fiscal Year: Indiana

IDA Demonstration

Fiscal YearDollar Amount of

AFI Grants Awarded

1999 $930,000

2000 $700,000

2001 $494,9442002 $1,000,000

2003 $1,000,000

2004 $1,000,000

Total $5 124 944

The project is implemented via 42 community-based agencies throughout the state. Table 5.2



p j p y g g

displays the types of subgrantee organizations.

Table 5.2. Types of Administering Agencies: Indiana IDA Demonstration

Administering Agency Type Number of Subgrantees Percentage of Subgrantees

Community Action Agency 14 33%

Community Development Corporation 9 21%

Human Service Organization 7 17%

Housing Organization 6 14%

Housing Agency 2 5%

Urban Enterprise Association 2 5%

Economic Development Agency 1 2%

Faith-based Organization 1 2%

Total 42 99%*

* The total adds up to only 99% due to rounding.

The state devotes approximately one full-time equivalent (FTE) staff person to theadministration of the program. Among the subgrantees, the IDA projects vary considerably

in size, as does the staffing devoted to them, ranging from 0.25 to 1.00 FTE, with most

subgrantees employing between 0.50 to 1.00 FTE staff person. The program expends

approximately $200,000 per year on administration.

Program Design

The State of Indiana enabling legislation authorizes up to 800 new IDAs annually, but the

actual funded number of accounts per year depends on annual budget appropriations.

Typically, these factors allow the program to maintain existing accounts and add about 200

new accounts each year. Between FY 1999, when AFI funding was first received, through

September 30, 2005, an estimated 2,988 participants opened IDAs through the Indiana

program. Of these, 1,351 were still progressing through the program, and 1,637 had

completed their maximum allowed four years of saving at the end of FY 2005.

Program participants receive $6 in matching funds for every $1 in earned income saved, up

to $300 in savings per year, for up to four years (a total maximum of $1,200 in matchable

savings). Participants may save for homeownership, education, or business capitalization.

deposit of $25 to open an account (although several require as little as $5) and a minimum

monthly deposit of $10.



y p

The Indiana program differs from most regular AFI Projects in a number of important ways,

including the following primary variances:

• Participants are allowed to participate for a maximum of four years.

• Although envisioned as a four-year savings program, it is operated in year-long

increments. Each year, participants have a savings goal for that year , up to an

annual maximum of $300. If they attain their year’s savings goal, the match

money is disbursed to their IDA account. Most participants maintain the same

savings goal throughout their four years, but they have the flexibility to select adifferent savings goal and a different intended use for the following year if they

choose. (They maintain the same IDA throughout, however.) This means that

the concept of “program completers” in the Indiana program is not comparable to

most other AFI Projects, because a participant might attain his or her savings

goal in one year but not another. (These “partial completers” represent 18

percent of participants who were enrolled for the four years.)

• Regular deposits are encouraged but not required. Participants are allowed to

make a one-time deposit to receive matching funds for that year.

• Participants may use their IDA money for more than one asset purchase at a time.

• Once IDA match money has been disbursed to a participant’s account, he or she

is not obliged to make the asset purchase right away. Participants have an

indefinite period of time to use the money, even after the four year term has

ended. (Like regular AFI Projects, controls are in place to ensure that it is spent

on an authorized use.)

• AFI funds and nonfederal match funds (i.e., state funds) are not comingled in one

overall Project Reserve Account.

There have been slight changes to the program design over the years, reflecting the annual State

appropriation available to the program. When the Indiana program first began receiving AFIgrants, there was only enough AFI funding available to boost match rates for some, but not all,

participants. The State allowed subgrantees to decide how to apportion AFI funds between

participants. Most organizations chose to award the higher AFI-supported match rate to savers

h h d f ll i d h i i l h di h l

Financial Education and Asset-Specific Training



Participants are required to attend at least eight hours of financial education annually. There is no

State requirement for asset-specific training. Thus, subgrantees may determine if and how toprovide such assistance. Most subgrantees do require some form of asset-specific training, if it is

available in their area.

Accountholders and their Characteristics

The typical IDA participant in the Indiana program is female (79 percent), Caucasian (51

percent), and between 20 and 40 years of age (62 percent). Accountholders are typically singleparents (47 percent are single, while 21 percent are divorced) with children (53 percent have 1 or

2 children) and working full time (73 percent).

Forty-one percent of participants have only a high school diploma. Slightly more (45 percent)

have some education beyond high school (some college, an Associate’s degree, an undergraduate

college degree, some graduate studies, or a graduate degree).

Participant Savings and Withdrawals

At the end of FY 2005, the program’s 2,988 participants had deposited $1.2 million of their own

savings into an IDA. This represents an average savings of $413 per participant.

A total of 1,637 participants had completed the four years of the program, having attained at least

one of their annual savings goals and received at least one annual match.

Between FY 1999 and FY 2005, the State IDA program disbursed approximately $9.9 million to

participants. Less money was actually withdrawn for asset purchases than was disbursed to

accounts because participants have an indefinite period of time to spend their IDA resources after

they receive the match. Indeed, some spend it over a prolonged period of time, for example,

throughout the course of an educational program or for business expenses as they arise. Although

1,637 individuals completed the program (that is, closed their accounts after four years, having

attained at least one year’s goal), only 1,327 appear to have made a matched withdrawal to date.

Between FY 1999 and FY 2005, participants withdrew $498,000 of their own savings ($375 per

participant on average) to make asset purchases. The total amount of matching funds (AFI and

Pennsylvania Family Savings Account Program



Program Administration and Funding Sources

The Pennsylvania Family Savings Account (FSA) program, which is administered by the

Pennsylvania Department of Community and Economic Development, became operational in

1998. It first received AFI support in FY 1999. Since its inception, the FSA has received over

$20 million in funding, including a total of $5,582,000 (See Table 5.3) from AFI and additional

significant funding from state appropriations, the Temporary Assistance for Needy Families

Block Grant, and the Community Development Block Grant.

Table 5.3. Number of Grants and Dollar Amounts Awarded per Fiscal Year: Pennsylvania

FSA Program

Fiscal YearDollar Amount of

AFI Grants Awarded

1999 $930,000

2000 $1,000,000

2001 $1,000,0002002 $1,000,000

2003 $826,000

2004 $826,000

Total $5,582,000

The FSA program is administered by 45 subgrantee organizations across the State. From its

inception until June 2005, approximately 7,220 savers have opened IDAs, and approximately1,550 have graduated from the program. Approximately 2,900 of FSA participants have

received AFI support.

The figures given in this year’s report reflect a major data review undertaken in 2005 by the

administering agency. The review identified and corrected, where possible, a number of

reporting errors from earlier years of the program. Consequently, figures reported this year do

not align with those of previous years, but they do provide a good baseline for comparison withfuture years.25

Of the 45 organizations involved in the FSA program, 34 received AFI funding during the period

FY 1999 to FY 2005. Table 5.4 displays the type of organizations that have received AFI

f di



funding.

Table 5.4. Types of Administering Agencies: Pennsylvania FSA Program

Administering Agency Type Number of Subgrantees Percentage of Subgrantees

Community Action Agency 17 55%

Housing Organization 5 16%

Social Services Agency (nonprofit) 4 13%

Human Services Agency (government) 2 6%

Community Development Corporation 1 3%Credit Union 1 3%

1 3%Faith-based Organization

31* 99%**Total

* There are 34 subgrantees, but agency type was not specified for 3 subgrantees, so N=31 for this data question.** The total adds up to only 99% due to rounding.

The state devotes approximately one FTE to operate the overall FSA program. A full-time staff

person oversees the FSA program along with two other state programs. Subgrantees devoted an

estimated average of 18 staff hours per week (0.4 FTE) to FSA program administration.

Program Design

The FSA program allows participants to save toward the three allowable AFI savings goals

(home purchase, postsecondary education, and business capitalization), as well as for other state-

specific uses: home repair, computer or car purchase, or day care, if related to employment oreducation.26

There have been some changes in authorized savings goals over the years. Prior to 2002, IDA

savings could also be used to open an individual retirement account (IRA). Beginning in 2000,

participants have been allowed to use their IDA savings to start a Section 529 college savings

plan,27 including Pennsylvania’s own plan, called the Tuition Assistance Program (TAP 529).

Savers do not need to be the beneficiary of the college savings plan; for example, a grandparentmay save on behalf of a grandchild.

Although it has varied somewhat over the years, the current match rate is $1 to $1 on savings up

maximum of $2,000 in matchable savings). The annual $1,000 limit on matching funds creates

an incentive to save for more than 12 months. For example, if a participant declares a savings

i d f l h h i li ibl t i l ’ t h t $1 000



period of only one year, he or she is eligible to receive only one year’s match, or up to $1,000.

However, declaring a savings period of longer than 12 months–even just 13 months–makes theparticipant eligible for two years’ worth of matching funds, or up to a lifetime maximum of

$2,000.

Participants are required to deposit at least $10 per week or an amount that averages to at least

$10 per week on a monthly basis. Savers have had between 12 and 24 months to attain their

savings goal.28 Those reaching their savings goal have up to five years to apply the IDA money

toward an asset purchase in one or more withdrawals.

Financial Education and Asset-Specific Training

Participants are required to attend at least four general financial literacy classes and participate in

at least two other asset-specific training sessions.

Accountholders and their Characteristics

The typical FSA participant that received AFI support is female (77 percent), Caucasian (62

percent), and never married (46 percent). She is typically between 20 and 39 years old (59

percent). Most participants either live alone or are single parents. Sixty-three percent live in a

household headed by one adult. About one-quarter have no children, while nearly half (49

percent) have either one or two children. Half of AFI-supported participants work full-time;

another 23 percent hold part-time jobs. Nearly 41 percent have a high school diploma. Another38 percent have education beyond the high school level (an associate’s degree, some college, a

college degree, some graduate school, or a graduate degree).29

Participant Savings and Withdrawals

Approximately 2 900 individuals have opened FSAs with AFI support 30 They had deposited an



Approximately 2,900 individuals have opened FSAs with AFI support. They had deposited an

estimated $1.95 million into their IDAs. By the end of FY 2005, an estimated 584 participantshad made matched withdrawals from their IDAs.

31An estimated 865 were terminated from the

program.

Of the approximately 584 graduates who made matched withdrawals from their IDAs, more than

half (56 percent, or 329 individuals) did so for Pennsylvania-specific authorized uses, most

commonly home repair or car purchase. The most popular authorized uses overall are home

repair, education, and car purchase, accounting for 30 percent, 26 percent, and 25 percent of allmatched withdrawals, respectively.

An estimated 44 percent (255 individuals) made withdrawals for the three AFI-authorized uses

(home purchase, business capitalization, or education). Of these 255 participants, most (58

percent) did so in order to further their education. An estimated 32 percent used the money to

purchase a home, and 9 percent used the funds to start or expand a business.

Those making withdrawals for the three AFI asset purchases withdrew approximately $456,500

of their own savings for asset purchases ($1,790 per participant on average). 32

The amount of

matching funds (AFI and other sources combined) disbursed for these purchases was $445,900,

or $1,750 per participant.

30 These figures are estimates based on a prorating of the AFI portion of the IDA activity for 16 of the 34

subgrantees, as described previously in Footnote 25.

6. Additional OCS Support for Grantees



6. Additional OCS Support for Grantees

Technical Assistance

OCS administers a number of training and technical assistance services available to all AFI

Program grantees. The framework for this assistance is the AFI Resource Center, which is

managed in-house by OCS staff. Through this mechanism, staff and outside experts provide a

number of types of assistance including:

Training Academies – A series of intensive interactive training events for teams of staff

and others from AFI Projects and their partners;

Monthly Topical Conference Calls – Facilitated conference calls about asset-building and

AFI Project administrative matters featuring best practices and tips for grantees;

Customized Technical Assistance – Telephone or in-person assistance on administrative

or programmatic issues such as recruiting participants, providing financial education,

building partnerships, or closing-out grants; and

Asset Building Website – Provides general information about asset building, the AFI

Program, funding opportunities, and other resources for both grantees and others.

The page also features links to research and publications on asset building. The web

page address is: http://www.acf.hhs.gov/assetbuilding.

Project Management

OCS has developed the AFI2

Program Management Tool, a web-based system for all grantee

organizations, as a component of overall training and technical assistance available from the AFI

Resource Center. AFI2 allows grantees to collect and manage project information. The system is

designed specifically to reduce the grantees’ administrative costs and to simplify the data

collection for management and reporting. It is also useful for program analysis and evaluation.

National Evaluation

OCS has contracted with a social science research organization to implement a multi-year

national evaluation of the program. The evaluation design has two components: a process study

Appendices



Appendices

These Appendices present information compiled from reports submitted by AFI grantees. Each

grantee organization submitted separate data sets for each of the AFI Projects it is administering.

The tables presented here include demographic information about project participants and their

households; details about financial aspects of the projects including the status of reserve funds,

deposits, and withdrawals; and other facts about project configurations, financial education

training requirements, staffing and other details. Each Appendices table features project

information for each AFI grant awarded between FY 1999 and FY 2004 regarding each of thefollowing data elements:

A. AFI Grant Amounts

B. Project Staffing

C. Basic Financial Literacy Education

D. Asset-Specific Training

E. Account Opening, Deposit, Withdrawal and ClosingF. Gender of Accountholders

G. Race and Ethnicity of Accountholders

H. Marital Status of Accountholders

I. Number of Adults in Households of Accountholders

J. Number of Children in Households of Accountholders

K. Income in Relation to Poverty Levels

L. Areas of Residence of AccountholdersM. Educational Status of Accountholders

N. Age of Accountholders

O. Employment Status of Accountholders

P. Summary of Reserve Fund and Participant IDAs

Q. IDA Savings, Withdrawals, and Matching Amounts

R. Qualified Withdrawals by Accountholders

S. Other Withdrawals by Accountholders



Appendix A

AFI Grant Amounts

All AFI Grants Awarded (FY 1999 – FY 2004)



Agency Name State 1999 2000 2001 2002 2003 2004 Total

The Huntington City Mission, Inc.* WV -$ -$ -$ 24,000.00$ -$ -$ 24,000.00$

Total 9,695,904.00$ 4,554,620.00$ 21,266,474.00$ 16,654,539.00$ 14,168,880.00$ 17,699,694.00$ 84,040,111.00$

Special State Grants 1,999.00$ 2,000.00$ 2,001.00$ 2,002.00$ 2,003.00$ 2,004.00$ TotalIndiana Department of Commerce IN 930,000.00$ 700,000.00$ 494,944.00$ 1,000,000.00$ 1,000,000.00$ 1,000,000.00$ 5,124,944.00$Pennsylvania Department of Community and EconomicDevelopment PA 930,000.00$ 1,000,000.00$ 1,000,000.00$ 1,000,000.00$ 826,000.00$ 826,000.00$ 5,582,000.00$State Total 1,860,000.00$ 1,700,000.00$ 1,494,944.00$ 2,000,000.00$ 1,826,000.00$ 1,826,000.00$ 10,706,944.00$

Grand Total 11,555,904.00$ 6,254,620.00$ 22,761,418.00$ 18,654,539.00$ 15,994,880.00$ 19,525,694.00$ 94,747,055.00$

Appendix AAFI Grant Amounts * These grantees have indicated that they will not be utilizing the grant awarded to them Page 6 of 6

Appendix B

Project Staffing




Grant

YearState Agency Name

Average Hours

Spent on AFI

Project Per Week

by Employees

Average Hours

Spent on AFI

Project Per Week

by Americorps

Average Hours

Spent on AFI

Project Per Week

by Volunteers

Average HoursSpent on AFI

Project Per Week

by All

Staff

2003 AK Cook Inlet Tribal Council, Inc. 60 0 0 60

2004 AL Family Services Center 20 120 1 141

2002 AL Tuscaloosa Housing Authority 5 0 0 5

2004 AR Crowley's Ridge Development Council, Inc 30 0 0 30

2001 AR EOA Washington County 2 0 0 2



2002 AR South Arkansas Community Development 15 0 0 15


2000 AR Southern Good Faith Fund 65 0 0 65


2004 AZ Chicanos Por La Causa Tucson (CPLC Tucson) 10 40 0 50

2001 AZ City of Tucson Community Services Department 10 45 0 55


2001 AZ Mesa Community Action Network, Inc. 40 32 0 722003 AZ Mesa Community Action Network, Inc. 20 16 0 36

2004 AZ Mesa Community Action Network, Inc. 30 10 0 40

2004 AZ South Eastern Arizona Community Action Program, Inc. 0 0 0 0

2003 CA All iance for African Assistance 15 0 0 15

2001 CA AnewAmerica Community Corporation 20 15 0 35



2004 CA Cabril lo Economic Development Corporation 4 0 0 4

2001 CA City of Los Angeles 15 0 0 152001 CA Community Action Commission of Santa Barbara County 2 0 0 2

2002 CA Community Action Commission of Santa Barbara County 2 0 0 2


2000 CA Community Action Partnership of Sonoma County 8 0 2 10



2004 CA Community Housing Development Corporation 60 0 0 60

Appendix BProject Staffing ¹ Administered an AFI grant that concluded at the end of FY 2004 Page 1 of 10

Appendix B

Project Staffing




Grant


Average Hours

Spent on AFI

Project Per Week

by Employees

Average Hours

Spent on AFI

Project Per Week

by Americorps

Average Hours

Spent on AFI

Project Per Week

by Volunteers


Project Per Week

by All

Staff

2003 CA Earned Assets Resource Network (EARN) 110 0 1 111



1999 CA East Bay Asian Local Development Corporation 30 10 1 41


1999 CA Fresno County Economic Opportunities Commission 10 5 0 15


2002 CA Jefferson Economic Development Institute 70 0 2 72

2003 CA Lenders for Community Development 2 0 0 2

1999 CA Mercy Housing California 15 0 0 15


2001 CA Northeast Community Federal Credit Union 5 0 0 5


1999 CA Peninsula Community Foundation 0 0 0 0

1999 CA Riverside County Community Action Agency 27 0 5 322001 CA Riverside County Community Action Agency 27 0 5 32

2003 CA Riverside County Community Action Agency 27 0 5 32

2001 CA United Way, Inc. 100 0 0 100

2002 CA United Way, Inc. 100 0 0 100

2004 CA United Way, Inc. 100 0 0 100

2000 CA West Enterprise Center 15 0 0 15


1999 CO Mile High United Way ¹ 0 0 0 0

2001 CO Mile High United Way 92 40 0 1322002 CO Mile High United Way 0 0 0 0

2004 CO Pikes Peak Community Action Agency, Inc. 48 0 8 56

1999 CT Committee on Training and Employment, Inc (CTE, Inc.) 17 0 0 17

2001 CT Committee on Training and Employment, Inc (CTE, Inc.) 18 0 0 18

2000 CT Connecticut Department of Labor 6 0 0 6




Appendix B

Project Staffing




Grant


Average Hours

Spent on AFI

Project Per Week

by Employees

Average Hours

Spent on AFI

Project Per Week

by Americorps

Average Hours

Spent on AFI

Project Per Week

by Volunteers


Project Per Week

by All

Staff


2001 CT Co-Opportunity, Inc. 30 0 0 30




2004 CT Empower New Haven, Inc. 60 0 10 70

2000 CT Family Services Woodfield, Inc. 35 0 0 35

2002 DC 2nd District Religious, Educational Charitable Development Project 10 0 0 10

2003 DC Assemblies of God Financial Services 50 0 0 50

1999 DC Capital Area Asset Building Corporation 40 0 0 40


2004 DC District of Columbia, Department of Mental health 5 0 0 5

2004 DC National Cooperative Bank Development Corporation 5 0 0 5

2001 DE First State Community Loan Fund 40 0 6 46

2004 DE First State Community Loan Fund 40 0 6 462001 FL Aid to Victims of Domestic Abuse, Inc. 1 0 0 1

2004 FL Broward County Board of County Commissioners 20 0 0 20

2003 FL Capital Area Community Action Agency 5 0 0 5

2004 FL Dream Builders of Tallahassee, Inc. 40 0 0 40

2001 FL First Coast Workforce Development, Inc. 1 0 0 1

2002 FL Fresh Ministries, Inc. 50 0 2 52

2003 FL Partners For Self-Employment, Inc. 40 0 0 40

2004 FL United Way of Palm Beach County 172 0 0 172

2002 GA Atlanta Cooperative Development Corporation 20 0 10 302003 GA Core Neighborhood Revitalization 30 0 10 40

2002 GA Economic Opportunity for Savannah Chatham County Area 20 0 0 20


2003 GA New Birth Missionary Baptist Church 90 0 20 110

2000 GA United Way of Metropoli tan Atlanta 25 60 1 86

2001 GA United Way of Metropoli tan Atlanta 50 0 15 65

1999 HI ALU LIKE, Inc. 35 0 0 35


Appendix B

Project Staffing




Grant


Average Hours

Spent on AFI

Project Per Week

by Employees

Average Hours

Spent on AFI

Project Per Week

by Americorps

Average Hours

Spent on AFI

Project Per Week

by Volunteers


Project Per Week

by All

Staff

2004 HI ALU LIKE, Inc. 10 0 2 12

1999 HI Hawaii Alliance for Community Based Economic Development ¹ 1 0 0 1

2003 HI Pacific Gateway Center 20 0 0 20

1999 IA Institute for Social & Economic Development 20 0 0 20


2000 IL Bethel New Life, Inc. 40 35 6 81

2003 IL Fellowship Missionary Baptist Church 40 0 0 40

2003 IL Goodcity NFP 4 2 0 6


2000 IL Illinois Community Action Association 30 0 0 30


2003 IL Neighborhood Housing Development 15 0 0 15

2002 IL Partnership Accounts for Individual Development 10 35 15 60

2004 IL South Side Community Federal Credit Union 1 5 1 7

2000 IL Steans Family Foundation 80 0 0 802002 IL Steans Family Foundation 80 0 0 80

1999 IL Women's Self-Employment Project 7 0 0 7

2003 IN Community Centers of Indianapolis 15 0 0 15

1999 KS The Family Conservancy, Inc. 41 0 1 42



2004 KY Kentucky Domestic Violence Association 30 35 0 65

1999 KY Kentucky River Foothills Development Council, Inc. ¹ 2 0 0 2

2001 KY Owsley County Action Team Incorporated 5 0 0 51999 KY The Center for Women and Families 25 0 15 40

2001 KY The Center for Women and Families 42 0 12 54


2000 LA Administrators of the Tulane Education Fund 27 0 0 27


2001 LA Caleb Community Development Corporation 20 0 0 20



Appendix B

Project Staffing




Grant


Average Hours

Spent on AFI

Project Per Week

by Employees

Average Hours

Spent on AFI

Project Per Week

by Americorps

Average Hours

Spent on AFI

Project Per Week

by Volunteers


Project Per Week

by All

Staff

2001 LA Northeast Louisiana Delta Community Development Corp. 1 0 0 1

2003 LA Total Community Action, Inc. 40 0 0 40


1999 MA Allston Brighton Community Development Corporation 10 0 0 10




2002 MA Community Service Network, Inc. 4 0 1 5


2000 MA Employment Resources Inc 5 0 0 5

2001 MA International Insti tute of Boston 15 0 2 17

2002 MA Montachusett Opportunity Council, Inc. 19 0 1 20

2001 MA Organization for a New Equali ty, Inc. 8 0 0 8

2004 MA Springfield Partners for Community Action, Inc. 38 0 5 43

2002 MA YouthBuild USA 30 0 0 302004 MA YouthBuild USA 30 0 0 30

2003 MD Allegany County Human Resources 30 0 0 30

1999 MD Southern Maryland Tri-County Community Action Committee 10 0 0 10

1999 ME Coastal Enterprises, Inc. 10 0 0 10


1999 ME Penquis Community Action Program 2 0 0 2



2001 MI City Vision, Inc. 35 0 0 352001 MI Community Action Agency 40 0 0 40

1999 MI FiveCAP, Inc. 32 0 0 32

2004 MI Legal Services of Eastern Michigan 20 0 12 32

1999 MI Michigan Neighborhood Partnership 56 40 32 128

2001 MI Michigan Neighborhood Partnership 16 0 0 16

2004 MI Michigan State University 20 0 0 20

2002 MI Northwest Michigan Human Services Agency 30 0 2 32


Appendix B

Project Staffing




Grant


Average Hours

Spent on AFI

Project Per Week

by Employees

Average Hours

Spent on AFI

Project Per Week

by Americorps

Average Hours

Spent on AFI

Project Per Week

by Volunteers


Project Per Week

by All

Staff

2003 MI Northwest Michigan Human Services Agency 20 0 2 22

2001 MI Oakland Livingston Human Services Agency 25 0 0 25

2001 MI United Way for Southeastern Michigan 60 0 0 60

2003 MI United Way for Southeastern Michigan 60 0 0 60

2004 MN Lutheran Social Service of Minnesota 75 0 2 77

1999 MN Ramsey Action Programs, Inc. ¹ 12 0 0 12

2003 MN West Central Minnesota Communities Action, Inc. 50 0 0 50

2004 MN West Central Minnesota Communities Action, Inc. 15 0 0 15

2002 MO Great Rivers Community Trust 40 0 10 50

2001 MO Missouri Association for Community Action 15 0 0 15

2002 MO Opportunities Industrialization Center of the Midwest 80 120 40 240

2004 MO Opportunities Industrialization Center of the Midwest 80 200 120 400

2000 MO People's Community Development Corporation 8 0 2 10

2002 MO People's Community Development Corporation 8 0 2 10

2001 MO Redevelopment Opportunit ies for Women, Inc. 10 0 1 112002 MO Redevelopment Opportunit ies for Women, Inc. 10 0 1 11

2001 MO The Learning Exchange, Inc. 5 0 1 6

2002 MO United Way of Greater St. Louis, Inc. 2 0 0 2

1999 MO United Way of Greater St. Louis, Inc. ¹ 2 0 0 2

2003 MS AJFC Community Action Agency, Inc. 40 0 20 60

2001 MS Jackson County Civic Action Committee, Inc. 6 0 0 6

2002 MT District 7 Human Resources Development Council 25 0 0 25

2004 MT Poverello Center, Inc. 15 0 0 15

1999 NC North Carolina Department of Labor 32 0 0 322001 NC North Carolina Department of Labor 32 0 0 32

2001 NC United Way of Forsyth County 50 0 0 50


2001 NC Western Carolina Community Action, Inc. 12 0 0 12


2002 ND Southeastern North Dakota Community Action Agency 10 40 0 50



Appendix B

Project Staffing


A H



Grant


Average Hours

Spent on AFI

Project Per Week

by Employees

Average Hours

Spent on AFI

Project Per Week

by Americorps

Average Hours

Spent on AFI

Project Per Week

by Volunteers


Project Per Week

by All

Staff

2004 NE Family Housing Advisory Services, Inc. 24 0 0 24

2001 NE New Community Development Corporation 0 0 0 0

2001 NH New Hampshire Community Loan Fund 104 0 0 104


2001 NJ Camden County Council On Economic Opportunity, Inc. 40 0 15 55



2001 NJ New Jersey Department of Community Affairs 5 0 0 5

2004 NM New Mexico Association of Community Action Agencies 55 0 0 55

2001 NM Northwest New Mexico Community Development Corporation 70 160 0 230

2004 NM Women's Economic Self-Sufficiency Team (WESST corp.) 40 3 0 43

1999 NV Community Services Agency Development Corporation 20 0 0 20


1999 NV Economic Opportunity Board of Clark County ¹ 0 0 0 0

2001 NY Action For a Better Community, Inc. 4 0 0 41999 NY Affordable Housing Partnership of Albany County, Inc. 1 0 0 1

2001 NY Alternatives Federal Credit Union 18 0 0 18


2001 NY Community Action of Greene County, Inc. 0 0 0 0

2001 NY Community Development Corporation of Long Island, Inc. 35 0 0 35

2001 NY Fifth Avenue Committee 6 0 0 6


2004 NY FoodChange 5 0 0 5

2002 NY Local Development Corporation of East New York 14 0 0 142001 NY Lower Eastside People's Federal Credit Union 10 0 0 10

1999 NY Mount Hope Housing Company, Inc. 0 0 0 0



2000 NY Non-Profit Assistance Corporation 30 18 0 48

2001 NY Westchester Housing Fund 12 0 6 18



Appendix B

Project Staffing


A H A H A H Average Hours



Grant


Average Hours

Spent on AFI

Project Per Week

by Employees

Average Hours

Spent on AFI

Project Per Week

by Americorps

Average Hours

Spent on AFI

Project Per Week

by Volunteers


Project Per Week

by All

Staff

2001 NY YWCA of Rochester and Monroe County 20 0 0 20

2004 OH Economic and Community Development Institute (ECDI) 80 8 0 88

1999 OH Ohio Community Development Association 10 10 0 20

2002 OH Ohio Community Development Corporations Association 30 30 0 60

2001 OH Stark County Out of Poverty Partnership, Inc 50 0 5 55

2000 OH Working for Empowerment through Community (WECO) 28 0 0 282000 OK Community Action Agency of Oklahoma City 15 0 0 15

2001 OK Community Action Agency of Oklahoma City 15 0 0 15


1999 OK Litt le Dixie Community Action Agency, Inc. ¹ 0 0 0 0

2001 OR Community And Shelter Assistance Corporation 20 0 0 20




1999 OR Portland Housing Center, Inc. 20 0 0 202002 PA People For People, Inc. 0 0 0 0

2002 PA United Way of Southeastern Pennsylvania 15 38 0 53

1999 PA YWCA of Greater Pittsburgh ¹ 0 0 0 0

2000 SC South Carolina Association of Community Development Corporations 16 0 4 20

2001 SC Urban League of the Upstate, Inc. 40 0 1 41

2001 SD The Lakota Fund 10 0 0 10

2003 TN Advance Memphis 35 0 5 40

2002 TN Oasis Center 12 0 0 12

2003 TN Upper Cumberland Human Resources 0 0 0 02000 TN Upper East Tennessee Human Development Agency, Inc. 30 30 1 61

2002 TN Upper East Tennessee Human Development Agency, Inc. 45 40 1 86

2001 TX Catholic Family Service, Inc. 2 0 0 2

2000 TX City of San Antonio 46 0 13 59



2002 TX Community Action Counci l of South Texas 20 0 0 20


Appendix B

Project Staffing


Average Hours Average Hours Average Hours Average Hours



Grant


Average Hours

Spent on AFI

Project Per Week

by Employees

Average Hours

Spent on AFI

Project Per Week

by Americorps

Average Hours

Spent on AFI

Project Per Week

by Volunteers


Project Per Week

by All

Staff

2004 TX Community Action Program, Inc. of Taylor County 40 0 10 50

2004 TX Covenant Community Capital Corporation 85 0 0 85

2001 TX El Paso Collaborative for Community & Economic Development 10 65 0 75

2002 TX El Paso County 10 15 0 25

1999 TX Foundation Communities 60 0 0 60

2002 TX Foundation Communities 37 0 0 372004 TX Foundation Communities 60 0 0 60

2004 TX Goodwill Industries of San Antonio 25 0 0 25

2000 TX Gulf Coast Community Services Association 40 0 0 40

2003 TX Housing Services of Texas 70 0 0 70

2004 TX Multicultural Community Development Corporation (MCDC) 40 0 0 40

2001 TX Student Alternatives Program, Inc. 10 0 0 10

2001 TX United Community Centers, Inc. 3 0 0 3

2000 TX United Way of the Texas Gulf Coast 85 0 0 85

2004 UT Utah Issues Center for Poverty Research and Action 41 0 0 412001 VA New Enterprises Fund, Inc. 15 60 0 75

2002 VA New Enterprises Fund, Inc. 15 60 0 75

2002 VA New Visions, New Ventures, Inc. 5 0 0 5

2004 VA New Visions, New Ventures, Inc. 80 0 0 80

1999 VA People Incorporated of Southwest Virginia 15 20 0 35

2002 VA Total Action Against Poverty in Roanoke Valley 60 0 0 60

1999 VT Central Vermont Community Action Council, Inc. 46 0 0 46

2002 VT Central Vermont Community Action Council, Inc. 46 0 0 46

2003 VT Central Vermont Community Action Council, Inc. 12 0 0 122004 VT Central Vermont Community Action Council, Inc. 7 0 0 7

2002 WA Spokane Neighborhood Action Programs 18 15 1 34



2001 WA United Way of King County 20 0 0 20




Appendix B

Project Staffing


Average Hours Average Hours Average Hours Average Hours



Grant


Average Hours

Spent on AFI

Project Per Week

by Employees

Average Hours

Spent on AFI

Project Per Week

by Americorps

Average Hours

Spent on AFI

Project Per Week

by Volunteers


Project Per Week

by All

Staff


2003 WI Boys & Girls Club of Greater Milwaukee 60 40 0 100

2000 WI CAP Services, Inc. 29 0 0 29

2001 WI CAP Services, Inc. 29 0 0 29

2001 WI Catholic Charities of the Diocese of La Crosse, Inc. 15 0 0 15

2004 WI Lao Family Community, Inc. 0 0 0 02001 WI Wisconsin Community Action Program Association, Inc. 15 0 0 15

1999 WI Wisconsin Community Action Program Association, Inc. (WISCAP) 10 0 0 10

2001 WI Wisconsin Women's Business Initiative 56 0 0 56

2003 WI Wisconsin Women's Business Initiative 56 0 0 56

1999 WI Wisconsin Women's Business Initiative ¹ 56 0 0 56

2004 WI YWCA of Greater Milwaukee 15 0 0 15


Appendix C

Basic Financial Literacy Education


Time Span (Months) Hours in



Grant


Time Span (Months)

for Financial

Education Classes

Hours inFinancial

Education

Classes

2003 AK Cook Inlet Tribal Council, Inc. 12 8

2004 AL Family Services Center 4 6

2002 AL Tuscaloosa Housing Authority 60 13

2004 AR Crowley's Ridge Development Council, Inc 12 12

2001 AR EOA Washington County 36 122002 AR EOA Washington County 36 12

2003 AR EOA Washington County 36 12

2002 AR South Arkansas Community Development 24 4

2003 AR South Arkansas Community Development 24 4

2000 AR Southern Good Faith Fund 33 10

2002 AR Southern Good Faith Fund 33 10

2004 AZ Chicanos Por La Causa Tucson (CPLC Tucson) 3 9

2001 AZ City of Tucson Community Services Department 48 8

2002 AZ City of Tucson Community Services Department 24 82001 AZ Mesa Community Action Network, Inc. 60 4

2003 AZ Mesa Community Action Network, Inc. 60 9

2004 AZ Mesa Community Action Network, Inc. 60 6

2004 AZ South Eastern Arizona Community Action Program, Inc. 3 20

2003 CA Alliance for African Assistance 2 16

2001 CA AnewAmerica Community Corporation 6 12



2004 CA Cabrillo Economic Development Corporation 3 6

2001 CA City of Los Angeles 3 9

2001 CA Community Action Commission of Santa Barbara County 36 24



2000 CA Community Action Partnership of Sonoma County 12 10

Appendix CBasic Financial Literacy Education ¹ Administered an AFI grant that concluded at the end of FY 2004 Page 1 of 11

Appendix C






Grant


Time Span (Months)

for Financial

Education Classes

ou sFinancial

Education

Classes



2004 CA Community Housing Development Corporation 6 10

2003 CA Earned Assets Resource Network (EARN) 36 14

2003 CA Earned Assets Resource Network (EARN) 36 142004 CA Earned Assets Resource Network (EARN) 36 14

1999 CA East Bay Asian Local Development Corporation 24 10

2002 CA East Bay Asian Local Development Corporation 24 10

1999 CA Fresno County Economic Opportunities Commission 6 2

2002 CA Fresno County Economic Opportunities Commission 6 2

2002 CA Jefferson Economic Development Institute 3 27

2003 CA Lenders for Community Development 2 12

1999 CA Mercy Housing California 6 12

2001 CA Mercy Housing California 6 122001 CA Northeast Community Federal Credit Union 36 8

2002 CA Northeast Community Federal Credit Union 36 8

1999 CA Peninsula Community Foundation 2 12

1999 CA Riverside County Community Action Agency 48 20



2001 CA United Way, Inc. 24 10



2000 CA West Enterprise Center 4 18

2003 CA West Enterprise Center 4 18

1999 CO Mile High United Way ¹ 30 8

2001 CO Mile High United Way 30 8

2002 CO Mile High United Way 30 8


Appendix C






Grant


Time Span (Months)

for Financial

Education Classes

Financial

Education

Classes

2004 CO Pikes Peak Community Action Agency, Inc. 36 10

2001 CT Committee on Training and Employment, (CTE), Inc. 3 20

1999 CT Committee on Training and Employment, Inc (CTE, Inc.) 2 20

2000 CT Connecticut Department of Labor 2 12




2001 CT Co-Opportunity, Inc. 2 12




2004 CT Empower New Haven, Inc. 24 12

2000 CT Family Services Woodfield, Inc. 24 0

2002 DC 2nd District Religious, Educational Charitable Development Project 3 102003 DC Assemblies of God Financial Services 12 10

1999 DC Capital Area Asset Building Corporation 3 12

2002 DC Capital Area Asset Building Corporation 3 12

2004 DC District of Columbia, Department of Mental health 0 0

2004 DC National Cooperative Bank Development Corporation 0 0

2001 DE First State Community Loan Fund 2 9

2004 DE First State Community Loan Fund 2 9

2001 FL Aid to Victims of Domestic Abuse, Inc. 12 10

2004 FL Broward County Board of County Commissioners 2 4

2003 FL Capital Area Community Action Agency 12 0

2004 FL Dream Builders of Tallahassee, Inc. 4 10

2001 FL First Coast Workforce Development, Inc. 0 0

2002 FL Fresh Ministries, Inc. 6 12

2003 FL Partners For Self-Employment, Inc. 12 16


Appendix C



G tTime Span (Months) Hours in

Fi i l



Grant


Time Span (Months)

for Financial

Education Classes

Financial

Education

Classes

2004 FL United Way of Palm Beach County 40 10

2002 GA Atlanta Cooperative Development Corporation 2 12

2003 GA Core Neighborhood Revitalization 3 8

2002 GA Economic Opportunity for Savannah Chatham County Area 36 16

2004 GA Economic Opportunity for Savannah Chatham County Area 36 16

2003 GA New Birth Missionary Baptist Church 3 24

2000 GA United Way of Metropolitan Atlanta 6 12

2001 GA United Way of Metropolitan Atlanta 6 12

1999 HI ALU LIKE, Inc. 1 12

2004 HI ALU LIKE, Inc. 2 12

1999 HI Hawaii Alliance for Community Based Economic Development ¹ 1 10

2003 HI Pacific Gateway Center 1 10

1999 IA Institute for Social & Economic Development 60 12

2002 IA Institute for Social & Economic Development 60 122000 IL Bethel New Life, Inc. 36 18

2003 IL Fellowship Missionary Baptist Church 0 6

2003 IL Goodcity NFP 12 20

2004 IL Goodcity NFP 12 20

2000 IL Illinois Community Action Association 54 10

2002 IL Illinois Community Action Association 54 10

2003 IL Neighborhood Housing Development 1 10

2002 IL Partnership Accounts for Individual Development 1 10

2004 IL South Side Community Federal Credit Union 3 82000 IL Steans Family Foundation 2 12

2002 IL Steans Family Foundation 2 12

1999 IL Women's Self-Employment Project 2 12

2003 IN Community Centers of Indianapolis 0 7

1999 KS The Family Conservancy, Inc. 36 10


Appendix C



GrantTime Span (Months) Hours in

Financial



Grant


p ( )

for Financial

Education Classes

Financial

Education

Classes



2004 KY Kentucky Domestic Violence Association 12 10

1999 KY Kentucky River Foothills Development Council, Inc. ¹ 24 11

2001 KY Owsley County Action Team Incorporated 12 9

1999 KY The Center for Women and Families 24 16



2000 LA Administrators of the Tulane Education Fund 48 12

2001 LA Administrators of the Tulane Education Fund 57 12

2001 LA Caleb Community Development Corporation 12 3

2002 LA Caleb Community Development Corporation 12 3

2001 LA Northeast Louisiana Delta Community Development Corp. 3 12

2003 LA Total Community Action, Inc. 1 122004 LA Total Community Action, Inc. 1 12

1999 MA Allston Brighton Community Development Corporation 10 26




2002 MA Community Service Network, Inc. 4 12

2004 MA Community Service Network, Inc. 4 12

2000 MA Employment Resources Inc 3 10

2001 MA International Institute of Boston 4 82002 MA Montachusett Opportunity Council, Inc. 2 16

2001 MA Organization for a New Equality, Inc. 16 32

2004 MA Springfield Partners for Community Action, Inc. 12 8

2002 MA YouthBuild USA 6 12

2004 MA YouthBuild USA 6 12

Appendix C

Basic Financial Literacy Education ¹ Administered an AFI grant that concluded at the end of FY 2004 Page 5 of 11

Appendix C




Financial



Grant

YearState Agency Name for Financial

Education Classes

Financial

Education

Classes

2003 MD Allegany County Human Resources 12 6

1999 MD Southern Maryland Tri-County Community Action Committee 8 12

1999 ME Coastal Enterprises, Inc. 36 12

2001 ME Coastal Enterprises, Inc. 36 12

1999 ME Penquis Community Action Program 2 12



2001 MI City Vision, Inc. 12 10

2001 MI Community Action Agency 36 10

1999 MI FiveCAP, Inc. 8 16

2004 MI Legal Services of Eastern Michigan 6 16

1999 MI Michigan Neighborhood Partnership 2 12

2001 MI Michigan Neighborhood Partnership 2 12

2004 MI Michigan State University 2 162002 MI Northwest Michigan Human Services Agency 36 10

2003 MI Northwest Michigan Human Services Agency 36 10

2001 MI Oakland Livingston Human Services Agency 12 10

2001 MI United Way for Southeastern Michigan 3 12

2003 MI United Way for Southeastern Michigan 3 12

2004 MN Lutheran Social Service of Minnesota 3 12

1999 MN Ramsey Action Programs, Inc. ¹ 24 18

2003 MN West Central Minnesota Communities Action, Inc. 24 12

2004 MN West Central Minnesota Communities Action, Inc. 24 122002 MO Great Rivers Community Trust 1 7

2001 MO Missouri Association for Community Action 36 10

2002 MO Opportunities Industrialization Center of the Midwest 12 8

2004 MO Opportunities Industrialization Center of the Midwest 12 8

2000 MO People's Community Development Corporation 2 18

Appendix C


Appendix C




Financial



Grant


Education Classes

Financial

Education

Classes

2002 MO People's Community Development Corporation 2 18

2001 MO Redevelopment Opportunities for Women, Inc. 6 15

2002 MO Redevelopment Opportunities for Women, Inc. 6 15

2001 MO The Learning Exchange, Inc. 0 0

2002 MO United Way of Greater St. Louis, Inc. 6 7

1999 MO United Way of Greater St. Louis, Inc. ¹ 6 8

2003 MS AJFC Community Action Agency, Inc. 2 12

2001 MS Jackson County Civic Action Committee, Inc. 1 8

2002 MT District 7 Human Resources Development Council 12 12

2004 MT Poverello Center, Inc. 12 10

1999 NC North Carolina Department of Labor 10 24

2001 NC North Carolina Department of Labor 24 24

2001 NC United Way of Forsyth County 10 18

2004 NC United Way of Forsyth County 36 182001 NC Western Carolina Community Action, Inc. 36 19

2003 NC Western Carolina Community Action, Inc. 36 19

2002 ND Southeastern North Dakota Community Action Agency 12 10

2003 ND Southeastern North Dakota Community Action Agency 12 10

2004 NE Family Housing Advisory Services, Inc. 12 24

2001 NE New Community Development Corporation 12 24

2001 NH New Hampshire Community Loan Fund 12 8

2003 NH New Hampshire Community Loan Fund 12 8

2001 NJ Camden County Council On Economic Opportunity, Inc. 36 162002 NJ Camden County Council On Economic Opportunity, Inc. 36 16

2004 NJ Camden County Council On Economic Opportunity, Inc. 36 16

2001 NJ New Jersey Department of Community Affairs 48 16

2004 NM New Mexico Association of Community Action Agencies 12 20

2001 NM Northwest New Mexico Community Development Corporation 9 18

Appendix C


Appendix C



GrantS A N

Time Span (Months)

f Fi i l

Hours inFinancial



Grant


Education Classes

Financial

Education

Classes

2004 NM Women's Economic Self-Sufficiency Team (WESST corp.) 12 32

1999 NV Community Services Agency Development Corporation 10 6

2003 NV Community Services Agency Development Corporation 10 6

1999 NV Economic Opportunity Board of Clark County ¹ 0 0

2001 NY Action For a Better Community, Inc. 2 10

1999 NY Affordable Housing Partnership of Albany County, Inc. 6 8

2001 NY Alternatives Federal Credit Union 60 18

2002 NY Alternatives Federal Credit Union 60 18

2001 NY Community Action of Greene County, Inc. 0 0

2001 NY Community Development Corporation of Long Island, Inc. 60 14

2001 NY Fifth Avenue Committee 24 13

2004 NY Fifth Avenue Committee 0 0

2004 NY FoodChange 10 20

2002 NY Local Development Corporation of East New York 1 182001 NY Lower Eastside People's Federal Credit Union 36 12

1999 NY Mount Hope Housing Company, Inc. 0 16



2000 NY Non-Profit Assistance Corporation 24 2

2001 NY Westchester Housing Fund 12 8

2003 NY Westchester Housing Fund 12 8

2001 NY YWCA of Rochester and Monroe County 2 14

2004 OH Economic and Community Development Institute (ECDI) 1 101999 OH Ohio Community Development Association 24 10

2002 OH Ohio Community Development Corporations Association 24 10

2001 OH Stark County Out of Poverty Partnership, Inc 6 25

2000 OH Working for Empowerment through Community (WECO) 9 18

2000 OK Community Action Agency of Oklahoma City 60 12

Appendix C


Appendix C



GrantState Agency Name

Time Span (Months)

for Financial

Hours inFinancial




Education ClassesEducation

Classes



1999 OK Little Dixie Community Action Agency, Inc. ¹ 1 12

2001 OR Community And Shelter Assistance Corporation 6 12




1999 OR Portland Housing Center, Inc. 1 8

2002 PA People For People, Inc. 2 10

2002 PA United Way of Southeastern Pennsylvania 12 6

1999 PA YWCA of Greater Pittsburgh ¹ 10 10

2000 SC South Carolina Association of Community Development Corporations 0 30

2001 SC South Carolina Association of Community Development Corporations 0 0

2001 SC Urban League of the Upstate, Inc. 12 122001 SD The Lakota Fund 12 12

2003 TN Advance Memphis 12 16

2002 TN Oasis Center 2 8

2003 TN Upper Cumberland Human Resources 35 8

2000 TN Upper East Tennessee Human Development Agency, Inc. 12 10

2002 TN Upper East Tennessee Human Development Agency, Inc. 12 10

2001 TX Catholic Family Service, Inc. 1 2

2000 TX City of San Antonio 3 6

2001 TX City of San Antonio 3 62004 TX City of San Antonio 3 6

2002 TX Community Action Council of South Texas 5 10

2004 TX Community Action Program, Inc. of Taylor County 4 12

2004 TX Covenant Community Capital Corporation 48 13

2001 TX El Paso Collaborative for Community & Economic Development 12 2

Appendix C


Appendix C




Time Span (Months)

for Financial

Hours inFinancial





Classes

2002 TX El Paso County 1 2

1999 TX Foundation Communities 6 10



2004 TX Goodwill Industries of San Antonio 6 6

2000 TX Gulf Coast Community Services Association 6 12

2003 TX Housing Services of Texas 6 10

2004 TX Multicultural Community Development Corporation (MCDC) 6 12

2001 TX Student Alternatives Program, Inc. 5 20

2001 TX United Community Centers, Inc. 12 6

2000 TX United Way of the Texas Gulf Coast 48 12

2004 UT Utah Issues Center for Poverty Research and Action 3 10

2001 VA New Enterprises Fund, Inc. 12 12

2002 VA New Enterprises Fund, Inc. 3 102002 VA New Visions, New Ventures, Inc. 2 18

2004 VA New Visions, New Ventures, Inc. 2 18

1999 VA People Incorporated of Southwest Virginia 12 12

2002 VA Total Action Against Poverty in Roanoke Valley 18 15

1999 VT Central Vermont Community Action Council, Inc. 24 16




2002 WA Spokane Neighborhood Action Programs 6 152003 WA Spokane Neighborhood Action Programs 6 15

2004 WA Spokane Neighborhood Action Programs 6 15

2001 WA United Way of King County 48 12



Appendix C


Appendix C




Time Span (Months)

for Financial

Hours inFinancial





Classes


2003 WI Boys & Girls Club of Greater Milwaukee 6 8

2000 WI CAP Services, Inc. 6 10

2001 WI CAP Services, Inc. 6 3

2001 WI Catholic Charities of the Diocese of La Crosse, Inc. 2 12

2004 WI Lao Family Community, Inc. 6 6

2001 WI Wisconsin Community Action Program Association, Inc. 24 8

1999 WI Wisconsin Community Action Program Association, Inc. (WISCAP) 24 8

1999 WI Wisconsin Women's Business Initiative ¹ 4 27

2001 WI Wisconsin Women's Business Initiative 4 27

2003 WI Wisconsin Women's Business Initiative 4 27

2004 WI YWCA of Greater Milwaukee 3 12

Average Hours in Financial Education Classes 12.05

Appendix C


Appendix D




Home

Purchase

Home

Purchase

Small

Business

Small

Business

PostSecondary

Education

PostSecondary

Education



YearState Agency Name Purchase

Training

(Hours)

Purchase

Time Span

(Months)

Business

Training

(Hours)

Business

Time Span

(Months)

Education

Training

(Hours)

Education

Time Span

(Months)

2003 AK Cook Inlet Tribal Council, Inc. 6 60 6 60 2 60

2004 AL Family Services Center 8 4 0 0 0 0

2002 AL Tuscaloosa Housing Authority 3 60 0 0 0 0

2004 AR Crowley's Ridge Development Council, Inc 8 6 8 6 8 6

2001 AR EOA Washington County 1 36 1 36 1 36

2002 AR EOA Washington County 1 36 1 36 1 362003 AR EOA Washington County 1 36 1 36 1 36

2002 AR South Arkansas Community Development 8 24 8 24 0 0

2003 AR South Arkansas Community Development 8 24 0 0 0 0

2000 AR Southern Good Faith Fund 2 33 10 33 2 33

2002 AR Southern Good Faith Fund 2 33 10 33 2 33

2004 AZ Chicanos Por La Causa Tucson (CPLC Tucson) 9 3 0 0 0 0

2001 AZ City of Tucson Community Services Department 8 48 8 48 0 0

2002 AZ City of Tucson Community Services Department 8 24 8 24 0 0

2001 AZ Mesa Community Action Network, Inc. 8 60 30 60 0 60

2003 AZ Mesa Community Action Network, Inc. 8 60 0 60 0 602004 AZ Mesa Community Action Network, Inc. 8 60 0 0 0 0

2004 AZ South Eastern Arizona Community Action Program, Inc. 20 3 0 0 0 0

2003 CA Alliance for African Assistance 16 2 16 2 16 2

2001 CA AnewAmerica Community Corporation 2 10 4 10 8 12



2004 CA Cabrillo Economic Development Corporation 8 10 100 18 100 18

2001 CA City of Los Angeles 8 1 13 3 9 3

2001 CA Community Action Commission of Santa Barbara County 6 36 6 36 6 36



2000 CA Community Action Partnership of Sonoma County 2 12 12 24 0 0



2004 CA Community Housing Development Corporation 0 0 25 24 2 24

2003 CA Earned Assets Resource Network (EARN) 6 12 6 12 0 0


Appendix D

Asset-Specific Training ¹ Administered an AFI grant that concluded at the end of FY 2004 Page 1 of 9

Appendix D



Grant

YState Agency Name

Home

Purchase

Home

Purchase

Small

Business

Small

Business

PostSecondary

Education

PostSecondary

Education



YearState Agency Name Purchase

Training

(Hours)

Purchase

Time Span

(Months)

Business

Training

(Hours)

Business

Time Span

(Months)

Education

Training

(Hours)

Education

Time Span

(Months)


1999 CA East Bay Asian Local Development Corporation 8 24 8 24 0 24

2002 CA East Bay Asian Local Development Corporation 8 24 8 24 0 24

1999 CA Fresno County Economic Opportunities Commission 2 6 2 6 2 6

2002 CA Fresno County Economic Opportunities Commission 2 6 0 0 0 0

2002 CA Jefferson Economic Development Institute 12 24 12 24 12 242003 CA Lenders for Community Development 2 24 2 24 2 24

1999 CA Mercy Housing California 8 12 16 24 2 24

2001 CA Mercy Housing California 8 12 0 0 0 0

2001 CA Northeast Community Federal Credit Union 4 36 10 36 4 36

2002 CA Northeast Community Federal Credit Union 4 36 10 36 4 36

1999 CA Peninsula Community Foundation 2 24 2 24 2 24

1999 CA Riverside County Community Action Agency 10 48 10 48 10 48



2001 CA United Way, Inc. 8 24 8 24 0 02002 CA United Way, Inc. 8 24 8 24 0 0

2004 CA United Way, Inc. 8 24 8 24 0 0

2000 CA West Enterprise Center 6 12 18 24 2 24

2003 CA West Enterprise Center 6 12 18 24 2 24

1999 CO Mile High United Way ¹ 6 30 12 30 4 30

2001 CO Mile High United Way 6 30 12 30 4 30

2002 CO Mile High United Way 6 30 12 30 4 30

2004 CO Pikes Peak Community Action Agency, Inc. 6 36 24 36 2 24

2001 CT Committee on Training and Employment, (CTE), Inc. 12 3 30 5 12 2

1999 CT Committee on Training and Employment, Inc (CTE, Inc.) 12 1 30 4 8 1

2000 CT Connecticut Department of Labor 10 20 12 20 9 20




2001 CT Co-Opportunity, Inc. 8 1 20 3 6 2



Appendix D


Appendix D



Grant


Home

Purchase

Home

Purchase

Small

Business

Small

Business

PostSecondary

Education

PostSecondary

Education



Yearg y

Training

(Hours)

Time Span

(Months)

Training

(Hours)

Time Span

(Months)

Training

(Hours)

Time Span

(Months)


2004 CT Empower New Haven, Inc. 30 24 35 24 12 24

2000 CT Family Services Woodfield, Inc. 8 12 45 16 6 24

2002 DC 2nd District Religious, Educational Charitable Development Project 10 3 0 0 10 3

2003 DC Assemblies of God Financial Services 6 12 6 12 6 3

1999 DC Capital Area Asset Building Corporation 12 3 12 3 12 32002 DC Capital Area Asset Building Corporation 12 3 12 3 12 3

2004 DC District of Columbia, Department of Mental health 0 0 0 0 0 0

2004 DC National Cooperative Bank Development Corporation 0 0 0 0 0 0

2001 DE First State Community Loan Fund 8 36 10 36 2 36

2004 DE First State Community Loan Fund 10 36 10 36 2 36

2001 FL Aid to Victims of Domestic Abuse, Inc. 6 3 0 0 6 6

2004 FL Broward County Board of County Commissioners 8 1 16 3 0 0

2003 FL Capital Area Community Action Agency 0 12 0 0 0 0

2004 FL Dream Builders of Tallahassee, Inc. 8 1 30 6 10 4

2001 FL First Coast Workforce Development, Inc. 10 1 0 0 36 2

2002 FL Fresh Ministries, Inc. 8 12 9 12 8 6

2003 FL Partners For Self-Employment, Inc. 4 24 10 24 0 0

2004 FL United Way of Palm Beach County 6 40 0 0 0 0

2002 GA Atlanta Cooperative Development Corporation 8 2 96 6 2 1

2003 GA Core Neighborhood Revitalization 8 3 0 0 0 0

2002 GA Economic Opportunity for Savannah Chatham County Area 10 36 15 36 10 36

2004 GA Economic Opportunity for Savannah Chatham County Area 10 36 16 36 10 36

2003 GA New Birth Missionary Baptist Church 8 1 30 3 0 9

2000 GA United Way of Metropolitan Atlanta 0 0 36 3 0 0

2001 GA United Way of Metropolitan Atlanta 15 6 3 3 3 3

1999 HI ALU LIKE, Inc. 20 3 10 1 2 1

2004 HI ALU LIKE, Inc. 12 2 12 2 6 2

1999 HI Hawaii Alliance for Community Based Economic Development ¹ 10 2 10 2 5 2

2003 HI Pacific Gateway Center 0 0 10 1 0 0

1999 IA Institute for Social & Economic Development 8 60 39 60 2 60

2002 IA Institute for Social & Economic Development 4 60 35 60 2 60

2000 IL Bethel New Life, Inc. 0 0 0 0 0 0

Appendix D


Appendix D



Grant


Home

Purchase

Home

Purchase

Small

Business

Small

Business

PostSecondary

Education

PostSecondary

Education



YearTraining

(Hours)

Time Span

(Months)

Training

(Hours)

Time Span

(Months)

Training

(Hours)

Time Span

(Months)

2003 IL Fellowship Missionary Baptist Church 0 0 0 0 0 0

2003 IL Goodcity NFP 2 6 2 6 2 6

2004 IL Goodcity NFP 2 6 2 6 2 6

2000 IL Illinois Community Action Association 6 54 6 54 6 54

2002 IL Illinois Community Action Association 6 54 6 54 6 54

2003 IL Neighborhood Housing Development 16 2 0 0 0 02002 IL Partnership Accounts for Individual Development 6 24 6 24 6 24

2004 IL South Side Community Federal Credit Union 8 3 8 3 4 3

2000 IL Steans Family Foundation 20 3 0 0 12 2

2002 IL Steans Family Foundation 20 3 0 0 12 2

1999 IL Women's Self-Employment Project 0 0 0 0 0 0

2003 IN Community Centers of Indianapolis 4 36 20 36 0 0

1999 KS The Family Conservancy, Inc. 3 36 3 36 0 0



2004 KY Kentucky Domestic Violence Association 5 12 10 12 5 12

1999 KY Kentucky River Foothills Development Council, Inc. ¹ 4 24 4 24 0 0

2001 KY Owsley County Action Team Incorporated 9 12 0 0 9 12

1999 KY The Center for Women and Families 6 36 6 36 3 36



2000 LA Administrators of the Tulane Education Fund 12 48 12 48 1 48

2001 LA Administrators of the Tulane Education Fund 12 57 12 57 12 57

2001 LA Caleb Community Development Corporation 15 12 0 0 0 0

2002 LA Caleb Community Development Corporation 15 12 0 0 0 0

2001 LA Northeast Louisiana Delta Community Development Corp. 6 3 2 5 1 10

2003 LA Total Community Action, Inc. 12 1 12 3 12 1

2004 LA Total Community Action, Inc. 12 1 12 3 12 1

1999 MA Allston Brighton Community Development Corporation 34 15 38 18 35 18




2002 MA Community Service Network, Inc. 12 1 0 0 4 2

Appendix D


Appendix D



Grant


Home

Purchase

Home

Purchase

Small

Business

Small

Business

PostSecondary

Education

PostSecondary

Education



YearTraining

(Hours)

Time Span

(Months)

Training

(Hours)

Time Span

(Months)

Training

(Hours)

Time Span

(Months)

2004 MA Community Service Network, Inc. 12 1 0 0 4 2

2000 MA Employment Resources Inc 6 2 12 3 3 1

2001 MA International Institute of Boston 10 2 10 12 2 1

2002 MA Montachusett Opportunity Council, Inc. 17 6 24 6 8 6

2001 MA Organization for a New Equality, Inc. 20 3 10 3 2 1

2004 MA Springfield Partners for Community Action, Inc. 8 12 20 36 20 122002 MA YouthBuild USA 10 3 0 0 2 1

2004 MA YouthBuild USA 10 3 0 0 2 1

2003 MD Allegany County Human Resources 5 12 15 12 10 12

1999 MD Southern Maryland Tri-County Community Action Committee 16 6 12 8 12 8

1999 ME Coastal Enterprises, Inc. 10 36 0 36 0 36

2001 ME Coastal Enterprises, Inc. 10 36 0 36 0 36

1999 ME Penquis Community Action Program 16 2 6 1 0 0



2001 MI City Vision, Inc. 8 12 40 12 8 12

2001 MI Community Action Agency 10 36 10 36 10 36

1999 MI FiveCAP, Inc. 6 1 4 1 2 1

2004 MI Legal Services of Eastern Michigan 6 36 6 36 6 36

1999 MI Michigan Neighborhood Partnership 12 2 77 3 0 0

2001 MI Michigan Neighborhood Partnership 6 2 77 3 2 1

2004 MI Michigan State University 0 0 12 1 6 1

2002 MI Northwest Michigan Human Services Agency 10 36 10 36 10 36

2003 MI Northwest Michigan Human Services Agency 10 36 10 36 10 36

2001 MI Oakland Livingston Human Services Agency 1 12 1 12 1 12

2001 MI United Way for Southeastern Michigan 6 3 77 3 2 3

2003 MI United Way for Southeastern Michigan 12 3 0 0 0 0

2004 MN Lutheran Social Service of Minnesota 8 12 8 12 8 12

1999 MN Ramsey Action Programs, Inc. ¹ 10 24 10 24 10 24

2003 MN West Central Minnesota Communities Action, Inc. 10 24 10 24 10 24

2004 MN West Central Minnesota Communities Action, Inc. 10 24 10 24 10 24

2002 MO Great Rivers Community Trust 15 3 0 0 0 0

2001 MO Missouri Association for Community Action 8 36 16 36 4 36

Appendix D


Appendix D



Grant


Home

Purchase

T i i

Home

Purchase

Ti S

Small

Business

T i i

Small

Business

Ti S

PostSecondary

Education

T i i

PostSecondary

Education

Ti S



Training

(Hours)

Time Span

(Months)

Training

(Hours)

Time Span

(Months)

Training

(Hours)

Time Span

(Months)

2002 MO Opportunities Industrialization Center of the Midwest 8 12 28 12 8 3

2004 MO Opportunities Industrialization Center of the Midwest 8 12 28 12 8 3

2000 MO People's Community Development Corporation 0 0 0 0 0 0

2002 MO People's Community Development Corporation 0 0 0 0 0 0

2001 MO Redevelopment Opportunities for Women, Inc. 6 48 3 48 1 48

2002 MO Redevelopment Opportunities for Women, Inc. 6 48 3 48 1 482001 MO The Learning Exchange, Inc. 0 0 0 0 0 48

2002 MO United Way of Greater St. Louis, Inc. 8 6 2 6 2 6

1999 MO United Way of Greater St. Louis, Inc. ¹ 8 6 3 6 3 6

2003 MS AJFC Community Action Agency, Inc. 8 1 0 0 0 0

2001 MS Jackson County Civic Action Committee, Inc. 4 1 4 1 4 1

2002 MT District 7 Human Resources Development Council 6 24 2 24 0 0

2004 MT Poverello Center, Inc. 20 12 10 12 10 12

1999 NC North Carolina Department of Labor 18 10 22 2 22 6

2001 NC North Carolina Department of Labor 30 24 0 0 0 0

2001 NC United Way of Forsyth County 8 1 0 0 0 0

2004 NC United Way of Forsyth County 2 36 0 0 0 0

2001 NC Western Carolina Community Action, Inc. 10 60 14 60 0 0

2003 NC Western Carolina Community Action, Inc. 10 36 14 36 0 0

2002 ND Southeastern North Dakota Community Action Agency 8 12 8 12 8 12

2003 ND Southeastern North Dakota Community Action Agency 8 24 8 24 8 24

2004 NE Family Housing Advisory Services, Inc. 12 2 0 0 0 0

2001 NE New Community Development Corporation 12 2 40 3 2 1

2001 NH New Hampshire Community Loan Fund 4 12 4 12 4 12

2003 NH New Hampshire Community Loan Fund 4 12 4 12 4 12

2001 NJ Camden County Council On Economic Opportunity, Inc. 16 36 16 36 16 36



2001 NJ New Jersey Department of Community Affairs 10 48 10 48 10 48

2004 NM New Mexico Association of Community Action Agencies 10 24 10 24 10 24

2001 NM Northwest New Mexico Community Development Corporation 6 9 6 9 6 9

2004 NM Women's Economic Self-Sufficiency Team (WESST corp.) 6 12 6 12 6 12

1999 NV Community Services Agency Development Corporation 2 10 2 10 2 10

Appendix D


Appendix D



Grant


Home

Purchase

Training

Home

Purchase

Time Span

Small

Business

Training

Small

Business

Time Span

PostSecondary

Education

Training

PostSecondary

Education

Time Span



Training

(Hours)

Time Span

(Months)

Training

(Hours)

Time Span

(Months)

Training

(Hours)

Time Span

(Months)

2003 NV Community Services Agency Development Corporation 2 10 2 10 2 10

1999 NV Economic Opportunity Board of Clark County ¹ 0 0 0 0 0 0

2001 NY Action For a Better Community, Inc. 12 2 36 3 0 0

1999 NY Affordable Housing Partnership of Albany County, Inc. 0 0 8 12 8 6

2001 NY Alternatives Federal Credit Union 12 60 33 60 0 0

2002 NY Alternatives Federal Credit Union 12 60 33 60 0 02001 NY Community Action of Greene County, Inc. 0 0 0 0 0 0

2001 NY Community Development Corporation of Long Island, Inc. 14 60 0 0 0 0

2001 NY Fifth Avenue Committee 0 0 12 12 3 3

2004 NY Fifth Avenue Committee 0 0 0 0 0 0

2004 NY FoodChange 0 0 0 0 20 10

2002 NY Local Development Corporation of East New York 12 1 60 2 0 0

2001 NY Lower Eastside People's Federal Credit Union 0 0 6 36 6 36

1999 NY Mount Hope Housing Company, Inc. 9 0 0 0 9 0



2000 NY Non-Profit Assistance Corporation 0 0 0 0 0 0

2001 NY Westchester Housing Fund 6 12 51 12 4 12

2003 NY Westchester Housing Fund 6 12 51 12 4 12

2001 NY YWCA of Rochester and Monroe County 8 12 20 8 8 12

2004 OH Economic and Community Development Institute (ECDI) 12 1 25 2 5 1

1999 OH Ohio Community Development Association 10 24 15 24 8 24

2002 OH Ohio Community Development Corporations Association 10 24 15 24 8 24

2001 OH Stark County Out of Poverty Partnership, Inc 22 6 36 6 5 6

2000 OH Working for Empowerment through Community (WECO) 10 2 6 2 3 1

2000 OK Community Action Agency of Oklahoma City 8 60 8 24 8 60

2001 OK Community Action Agency of Oklahoma City 6 60 8 60 8 602003 OK Community Action Agency of Oklahoma City 8 60 8 60 8 60

1999 OK Little Dixie Community Action Agency, Inc. ¹ 8 1 0 0 0 0

2001 OR Community And Shelter Assistance Corporation 8 2 25 6 4 1




Appendix D


Appendix D



Grant


Home

Purchase

Training

Home

Purchase

Time Span

Small

Business

Training

Small

Business

Time Span

PostSecondary

Education

Training

PostSecondary

Education

Time Span



Training

(Hours)

Time Span

(Months)

Training

(Hours)

Time Span

(Months)

Training

(Hours)

Time Span

(Months)

1999 OR Portland Housing Center, Inc. 8 1 8 24 8 24

2002 PA People For People, Inc. 10 2 10 2 10 2

2002 PA United Way of Southeastern Pennsylvania 5 12 0 0 0 0

1999 PA YWCA of Greater Pittsburgh ¹ 12 1 0 0 0 0

2000 SC South Carolina Association of Community Development Corporations 20 0 25 0 8 0

2001 SC Urban League of the Upstate, Inc. 8 12 8 12 8 122001 SD The Lakota Fund 8 8 8 8 8 8

2003 TN Advance Memphis 48 24 18 24 2 24

2002 TN Oasis Center 0 0 0 0 0 0

2003 TN Upper Cumberland Human Resources 12 35 5 35 5 35

2000 TN Upper East Tennessee Human Development Agency, Inc. 8 60 0 0 8 60

2002 TN Upper East Tennessee Human Development Agency, Inc. 8 60 12 60 8 60

2001 TX Catholic Family Service, Inc. 8 6 0 0 0 0

2000 TX City of San Antonio 6 0 6 3 6 24



2002 TX Community Action Council of South Texas 0 0 0 0 5 12

2004 TX Community Action Program, Inc. of Taylor County 6 2 6 2 6 2

2004 TX Covenant Community Capital Corporation 3 48 3 48 1 48

2001 TX El Paso Collaborative for Community & Economic Development 8 12 4 12 2 12

2002 TX El Paso County 6 1 0 0 2 1

1999 TX Foundation Communities 10 36 10 36 10 36



2004 TX Goodwill Industries of San Antonio 8 6 0 0 0 0

2000 TX Gulf Coast Community Services Association 6 6 6 6 6 6

2003 TX Housing Services of Texas 10 6 0 0 10 62004 TX Multicultural Community Development Corporation (MCDC) 4 2 12 3 4 2

2001 TX Student Alternatives Program, Inc. 0 0 0 0 0 0

2001 TX United Community Centers, Inc. 6 12 2 12 2 12

2000 TX United Way of the Texas Gulf Coast 3 48 4 48 4 48

2004 UT Utah Issues Center for Poverty Research and Action 7 2 12 12 5 3

2001 VA New Enterprises Fund, Inc. 8 12 12 12 6 12

Appendix D


Appendix D



Grant


Home

Purchase

Training

Home

Purchase

Time Span

Small

Business

Training

Small

Business

Time Span

PostSecondary

Education

Training

PostSecondary

Education

Time Span



Training

(Hours)

Time Span

(Months)

Training

(Hours)

Time Span

(Months)

Training

(Hours)

Time Span

(Months)

2002 VA New Enterprises Fund, Inc. 8 12 12 12 6 12

2002 VA New Visions, New Ventures, Inc. 5 1 24 2 2 1

2004 VA New Visions, New Ventures, Inc. 5 1 24 2 2 1

1999 VA People Incorporated of Southwest Virginia 12 12 12 12 4 12

2002 VA Total Action Against Poverty in Roanoke Valley 8 24 5 24 5 24

1999 VT Central Vermont Community Action Council, Inc. 8 24 2 24 2 242002 VT Central Vermont Community Action Council, Inc. 8 24 2 24 2 24

2003 VT Central Vermont Community Action Council, Inc. 8 24 2 24 2 24

2004 VT Central Vermont Community Action Council, Inc. 8 24 2 24 2 24

2002 WA Spokane Neighborhood Action Programs 8 36 12 36 1 36



2001 WA United Way of King County 5 48 18 48 3 48




2003 WI Boys & Girls Club of Greater Milwaukee 8 6 0 0 8 6

2000 WI CAP Services, Inc. 10 6 10 6 0 0

2001 WI CAP Services, Inc. 2 6 2 6 2 6

2001 WI Catholic Charities of the Diocese of La Crosse, Inc. 2 1 0 0 1 1

2004 WI Lao Family Community, Inc. 4 6 0 0 2 6

2001 WI Wisconsin Community Action Program Association, Inc. 8 24 8 24 8 24

1999 WI Wisconsin Community Action Program Association, Inc. (WISCAP) 8 24 8 24 8 24

1999 WI Wisconsin Women's Business Initiative ¹ 0 0 0 0 0 0

2001 WI Wisconsin Women's Business Initiative 0 0 0 0 0 0

2003 WI Wisconsin Women's Business Initiative 0 0 0 0 0 0

2004 WI YWCA of Greater Milwaukee 10 3 6 3 3 1

Average Hours of Training 8.17 11.18 5.02

Appendix D




Appendix F

Gender of Accountholders


Grant


FemaleAccount-

holders

MaleAccount-

holders

FemaleAccount-

holders (%)

MaleAccount-

holders (%)

2003 AK Cook Inlet Tribal Council Inc 48 19 72% 28%



2003 AK Cook Inlet Tribal Council, Inc. 48 19 72% 28%

2004 AL Family Services Center 13 1 93% 7%

2002 AL Tuscaloosa Housing Authority 16 1 94% 6%

2004 AR Crowley's Ridge Development Council, Inc 8 0 100% 0%

2001 AR EOA Washington County 6 4 60% 40%

2002 AR EOA Washington County 7 2 78% 22%2003 AR EOA Washington County 8 2 80% 20%

2002 AR South Arkansas Community Development 23 8 74% 26%

2003 AR South Arkansas Community Development 1 0 100% 0%

2000 AR Southern Good Faith Fund 135 33 80% 20%

2002 AR Southern Good Faith Fund 91 37 71% 29%

2004 AZ Chicanos Por La Causa Tucson (CPLC Tucson) 0 0 0% 0%

2001 AZ City of Tucson Community Services Department 38 9 81% 19%

2002 AZ City of Tucson Community Services Department 54 27 67% 33%

2001 AZ Mesa Community Action Network, Inc. 39 17 70% 30%2003 AZ Mesa Community Action Network, Inc. 77 46 63% 37%

2004 AZ Mesa Community Action Network, Inc. 0 0 0% 0%

2004 AZ South Eastern Arizona Community Action Program, Inc. 0 0 0% 0%

2003 CA Alliance for African Assistance 6 7 46% 54%

2001 CA AnewAmerica Community Corporation 47 22 68% 32%



2004 CA Cabrillo Economic Development Corporation 0 0 0% 0%

2001 CA City of Los Angeles 166 115 59% 41%

2001 CA Community Action Commission of Santa Barbara County 5 0 100% 0%



2000 CA Community Action Partnership of Sonoma County 10 17 37% 63%


Appendix F

Gender of Accountholders ¹ Administered an AFI grant that concluded at the end of FY 2004 Page 1 of 10

Appendix F



Grant


FemaleAccount-

holders

MaleAccount-

holders

FemaleAccount-

holders (%)

MaleAccount-

holders (%)





2004 CA Community Housing Development Corporation 0 0 0% 0%

2003 CA Earned Assets Resource Network (EARN) 445 230 66% 34%

2004 CA Earned Assets Resource Network (EARN) 72 39 65% 35%

1999 CA East Bay Asian Local Development Corporation 51 230 18% 82%

2002 CA East Bay Asian Local Development Corporation 20 11 65% 35%1999 CA Fresno County Economic Opportunities Commission 37 33 53% 47%

2002 CA Fresno County Economic Opportunities Commission 0 0 0% 0%

2002 CA Jefferson Economic Development Institute 37 8 82% 18%

2003 CA Lenders for Community Development 32 12 73% 27%

1999 CA Mercy Housing California 60 28 68% 32%

2001 CA Mercy Housing California 30 5 86% 14%

2001 CA Northeast Community Federal Credit Union 4 5 44% 56%

2002 CA Northeast Community Federal Credit Union 6 6 50% 50%

1999 CA Peninsula Community Foundation 65 25 72% 28%1999 CA Riverside County Community Action Agency 200 19 91% 9%

2001 CA Riverside County Community Action Agency 112 16 88% 13%

2003 CA Riverside County Community Action Agency 15 2 88% 12%

2001 CA United Way, Inc. 181 97 65% 35%

2002 CA United Way, Inc. 417 215 66% 34%

2004 CA United Way, Inc. 72 41 64% 36%

2000 CA West Enterprise Center 36 8 82% 18%

2003 CA West Enterprise Center 6 4 60% 40%

1999 CO Mile High United Way ¹ 207 53 80% 20%

2001 CO Mile High United Way 225 59 79% 21%

2002 CO Mile High United Way 0 0 0% 0%

2004 CO Pikes Peak Community Action Agency, Inc. 18 5 78% 22%

1999 CT Committee on Training and Employment, Inc. (CTE, Inc.) 63 15 81% 19%

2001 CT Committee on Training and Employment, Inc. (CTE, Inc.) 35 7 83% 17%

Appendix F


Appendix F



Grant


FemaleAccount-

holders

MaleAccount-

holders

FemaleAccount-

holders (%)

MaleAccount-

holders (%)

2000 CT Connecticut Department of Labor 197 40 83% 17%



p




2001 CT Co-Opportunity, Inc. 37 7 84% 16%

2002 CT Co-Opportunity, Inc. 26 2 93% 7%2003 CT Co-Opportunity, Inc. 3 0 100% 0%

2004 CT Co-Opportunity, Inc. 0 0 0% 0%

2004 CT Empower New Haven, Inc. 0 0 0% 0%

2000 CT Family Services Woodfield, Inc. 38 12 76% 24%

2002 DC 2nd District Religious, Educational Charitable Development Project 0 0 0% 0%

2003 DC Assemblies of God Financial Services 8 7 53% 47%

1999 DC Capital Area Asset Building Corporation 200 76 72% 28%

2002 DC Capital Area Asset Building Corporation 0 0 0% 0%

2004 DC District of Columbia, Department of Mental health 0 0 0% 0%2004 DC National Cooperative Bank Development Corporation 0 0 0% 0%

2001 DE First State Community Loan Fund 406 71 85% 15%

2004 DE First State Community Loan Fund 118 18 87% 13%

2001 FL Aid to Victims of Domestic Abuse, Inc. 3 0 100% 0%

2004 FL Broward County Board of County Commissioners 0 0 0% 0%

2003 FL Capital Area Community Action Agency 0 0 0% 0%

2004 FL Dream Builders of Tallahassee, Inc. 0 0 0% 0%

2001 FL First Coast Workforce Development, Inc. 9 3 75% 25%

2002 FL Fresh Ministries, Inc. 72 5 94% 6%

2003 FL Partners For Self-Employment, Inc. 115 61 65% 35%

2004 FL United Way of Palm Beach County 54 16 77% 23%

2002 GA Atlanta Cooperative Development Corporation 37 4 90% 10%

2003 GA Core Neighborhood Revitalization 21 1 95% 5%

2002 GA Economic Opportunity for Savannah Chatham County Area 29 7 81% 19%

Appendix F




Appendix F



Grant


FemaleAccount-

holders

MaleAccount-

holders

FemaleAccount-

holders (%)

MaleAccount-

holders (%)

2002 ME Penquis Community Action Program 24 6 80% 20%

2001 MI Ci Vi i I 360 87 81% 19%



2001 MI City Vision, Inc. 360 87 81% 19%

2001 MI Community Action Agency 183 24 88% 12%

1999 MI FiveCAP, Inc. 95 26 79% 21%

2004 MI Legal Services of Eastern Michigan 41 14 75% 25%

1999 MI Michigan Neighborhood Partnership 211 37 85% 15%2001 MI Michigan Neighborhood Partnership 24 6 80% 20%

2004 MI Michigan State University 1 1 50% 50%

2002 MI Northwest Michigan Human Services Agency 38 10 79% 21%

2003 MI Northwest Michigan Human Services Agency 17 6 74% 26%

2001 MI Oakland Livingston Human Services Agency 151 13 92% 8%

2001 MI United Way for Southeastern Michigan 179 51 78% 22%

2003 MI United Way for Southeastern Michigan 0 0 0% 0%

2004 MN Lutheran Social Service of Minnesota 8 4 67% 33%

1999 MN Ramsey Action Programs, Inc. ¹ 625 123 84% 16%2003 MN West Central Minnesota Communities Action, Inc. 499 132 79% 21%

2004 MN West Central Minnesota Communities Action, Inc. 0 0 0% 0%

2002 MO Great Rivers Community Trust 139 21 87% 13%

2001 MO Missouri Association for Community Action 136 28 83% 17%

2002 MO Opportunities Industrialization Center of the Midwest 134 36 79% 21%

2004 MO Opportunities Industrialization Center of the Midwest 12 0 100% 0%

2000 MO People's Community Development Corporation 103 23 82% 18%

2002 MO People's Community Development Corporation 21 9 70% 30%

2001 MO Redevelopment Opportunities for Women, Inc. 10 0 100% 0%

2002 MO Redevelopment Opportunities for Women, Inc. 3 0 100% 0%

2001 MO The Learning Exchange, Inc. 20 11 65% 35%

2002 MO United Way of Greater St. Louis, Inc. 114 26 81% 19%

1999 MO United Way of Greater St. Louis, Inc. ¹ 237 55 81% 19%

2003 MS AJFC Community Action Agency, Inc. 74 10 88% 12%

Appendix F


Appendix F



GrantYear

State Agency NameFemale

Account-

holders

MaleAccount-

holders

FemaleAccount-

holders (%)

MaleAccount-

holders (%)

2001 MS Jackson County Civic Action Committee, Inc. 9 1 90% 10%

2002 MT Di t i t 7 H m R D l m t C il 48 4 92% 8%



2002 MT District 7 Human Resources Development Council 48 4 92% 8%

2004 MT Poverello Center, Inc. 1 0 100% 0%

1999 NC North Carolina Department of Labor 639 121 84% 16%

2001 NC North Carolina Department of Labor 812 59 93% 7%

2001 NC United Way of Forsyth County 245 27 90% 10%

2004 NC United Way of Forsyth County 0 0 0% 0%

2001 NC Western Carolina Community Action, Inc. 12 5 71% 29%

2003 NC Western Carolina Community Action, Inc. 11 1 92% 8%

2002 ND Southeastern North Dakota Community Action Agency 12 6 67% 33%

2003 ND Southeastern North Dakota Community Action Agency 8 0 100% 0%

2004 NE Family Housing Advisory Services, Inc. 5 0 100% 0%

2001 NE New Community Development Corporation 0 0 0% 0%

2001 NH New Hampshire Community Loan Fund 306 91 77% 23%

2003 NH New Hampshire Community Loan Fund 50 165 23% 77%2001 NJ Camden County Council On Economic Opportunity, Inc. 141 17 89% 11%

2002 NJ Camden County Council On Economic Opportunity, Inc. 39 4 91% 9%

2004 NJ Camden County Council On Economic Opportunity, Inc. 0 0 0% 0%

2001 NJ New Jersey Department of Community Affairs 68 28 71% 29%

2004 NM New Mexico Association of Community Action Agencies 4 2 67% 33%

2001 NM Northwest New Mexico Community Development Corporation 136 49 74% 26%

2004 NM Women's Economic Self-Sufficiency Team (WESST corp.) 13 2 87% 13%

1999 NV Community Services Agency Development Corporation 60 21 74% 26%

2003 NV Community Services Agency Development Corporation 46 23 67% 33%

1999 NV Economic Opportunity Board of Clark County ¹ 48 4 92% 8%

2001 NY Action For a Better Community, Inc. 15 0 100% 0%

1999 NY Affordable Housing Partnership of Albany County, Inc. 23 15 61% 39%

2001 NY Alternatives Federal Credit Union 49 22 69% 31%

2002 NY Alternatives Federal Credit Union 42 15 74% 26%

Appendix F


Appendix F



GrantYear


Account-

holders

MaleAccount-

holders

FemaleAccount-

holders (%)

MaleAccount-

holders (%)

2001 NY Community Action of Greene County, Inc. 2 0 100% 0%

2001 NY Community Development Corporation of Long Island Inc 25 0 100% 0%



2001 NY Community Development Corporation of Long Island, Inc. 25 0 100% 0%

2001 NY Fifth Avenue Committee 9 32 22% 78%

2004 NY Fifth Avenue Committee 0 0 0% 0%

2004 NY FoodChange 2 2 50% 50%

2002 NY Local Development Corporation of East New York 14 4 78% 22%

2001 NY Lower Eastside People's Federal Credit Union 20 8 71% 29%

1999 NY Mount Hope Housing Company, Inc. 75 26 74% 26%



2000 NY Non-Profit Assistance Corporation 222 101 69% 31%

2001 NY Westchester Housing Fund 20 7 74% 26%

2003 NY Westchester Housing Fund 0 0 0% 0%

2001 NY YWCA of Rochester and Monroe County 51 0 100% 0%

2004 OH Economic and Community Development Institute (ECDI) 100 74 57% 43%1999 OH Ohio Community Development Association 191 41 82% 18%

2002 OH Ohio Community Development Corporations Association 201 64 76% 24%

2001 OH Stark County Out of Poverty Partnership, Inc 2 5 29% 71%

2000 OH Working for Empowerment through Community (WECO) 159 18 90% 10%

2000 OK Community Action Agency of Oklahoma City 31 3 91% 9%



1999 OK Little Dixie Community Action Agency, Inc. ¹ 11 3 79% 21%

2001 OR Community And Shelter Assistance Corporation 73 26 74% 26%2002 OR Community And Shelter Assistance Corporation 130 46 74% 26%

2003 OR Community And Shelter Assistance Corporation 16 3 84% 16%

2004 OR Community And Shelter Assistance Corporation 0 0 0% 0%

1999 OR Portland Housing Center, Inc. 71 5 93% 7%

2002 PA People For People, Inc. 0 0 0% 0%

Appendix F


Appendix F



GrantYear


Account-

holders

MaleAccount-

holders

FemaleAccount-

holders (%)

MaleAccount-

holders (%)

2002 PA United Way of Southeastern Pennsylvania 73 12 86% 14%

1999 PA YWCA of Greater Pittsburgh ¹ 108 0 100% 0%



1999 PA YWCA of Greater Pittsburgh 108 0 100% 0%

2000 SC South Carolina Association of Community Development Corporations 381 114 77% 23%

2001 SC Urban League of the Upstate, Inc. 102 18 85% 15%

2001 SD The Lakota Fund 12 3 80% 20%

2003 TN Advance Memphis 8 4 67% 33%

2002 TN Oasis Center 32 24 57% 43%

2003 TN Upper Cumberland Human Resources 16 22 42% 58%

2000 TN Upper East Tennessee Human Development Agency, Inc. 41 11 79% 21%

2002 TN Upper East Tennessee Human Development Agency, Inc. 21 6 78% 22%

2001 TX Catholic Family Service, Inc. 1 0 100% 0%

2000 TX City of San Antonio 99 30 77% 23%



2002 TX Community Action Council of South Texas 27 14 66% 34%2004 TX Community Action Program, Inc. of Taylor County 19 16 54% 46%

2004 TX Covenant Community Capital Corporation 40 28 59% 41%

2001 TX El Paso Collaborative for Community & Economic Development 161 90 64% 36%

2002 TX El Paso County 10 7 59% 41%

1999 TX Foundation Communities 124 43 74% 26%



2004 TX Goodwill Industries of San Antonio 40 16 71% 29%

2000 TX Gulf Coast Community Services Association 101 35 74% 26%2003 TX Housing Services of Texas 21 5 81% 19%

2004 TX Multicultural Community Development Corporation (MCDC) 4 8 33% 67%

2001 TX Student Alternatives Program, Inc. 12 8 60% 40%

2001 TX United Community Centers, Inc. 13 0 100% 0%

2000 TX United Way of the Texas Gulf Coast 224 78 74% 26%

Appendix F


Appendix F



GrantYear

State Agency Name FemaleAccount-

holders

MaleAccount-

holders

FemaleAccount-

holders (%)

MaleAccount-

holders (%)

2004 UT Utah Issues Center for Poverty Research and Action 29 18 62% 38%

2001 VA New Enterprises Fund, Inc. 25 8 76% 24%





2002 VA New Visions, New Ventures, Inc. 7 0 100% 0%

2004 VA New Visions, New Ventures, Inc. 12 0 100% 0%

1999 VA People Incorporated of Southwest Virginia 30 18 63% 38%

2002 VA Total Action Against Poverty in Roanoke Valley 18 53 25% 75%

1999 VT Central Vermont Community Action Council, Inc. 160 42 79% 21%




2002 WA Spokane Neighborhood Action Programs 18 5 78% 22%



2001 WA United Way of King County 125 37 77% 23%2002 WA United Way of King County 69 23 75% 25%

2003 WA United Way of King County 49 18 73% 27%

2004 WA United Way of King County 0 0 0% 0%

2003 WI Boys & Girls Club of Greater Milwaukee 37 14 73% 27%

2000 WI CAP Services, Inc. 139 56 71% 29%

2001 WI CAP Services, Inc. 154 98 61% 39%

2001 WI Catholic Charities of the Diocese of La Crosse, Inc. 49 6 89% 11%

2004 WI Lao Family Community, Inc. 0 0 0% 0%

2001 WI Wisconsin Community Action Program Association, Inc. 0 0 0% 0%1999 WI Wisconsin Community Action Program Association, Inc. (WISCAP) 0 0 0% 0%

1999 WI Wisconsin Women's Business Initiative ¹ 76 13 85% 15%

2001 WI Wisconsin Women's Business Initiative 133 11 92% 8%

2003 WI Wisconsin Women's Business Initiative 20 2 91% 9%

2004 WI YWCA of Greater Milwaukee 0 0 0% 0%

Appendix F




Appendix G

Race and Ethnicity of Accountholders


GrantYear

State Agency Name AfricanAmerican

AsianAmerican

Caucasian Hispanic NativeAmerican

Other Race UnknownRace

Total

2002 CA Jefferson Economic Development Institute 0 0 42 2 0 1 0 45

2003 CA Lenders for Community Development 4 15 4 11 6 2 2 44

1999 CA Mercy Housing California 23 2 21 34 1 4 3 88

2001 CA M H i C lif i 14 1 9 6 0 0 1 31




2001 CA Northeast Community Federal Credit Union 2 6 1 0 0 0 2 11


1999 CA Peninsula Community Foundation 15 57 27 38 2 0 50 189

1999 CA Riverside County Community Action Agency 61 8 71 66 2 11 0 219

2001 CA Riverside County Community Action Agency 43 4 29 43 1 8 0 1282003 CA Riverside County Community Action Agency 8 1 3 5 0 0 0 17

2001 CA United Way, Inc. 123 35 13 98 1 0 8 278

2002 CA United Way, Inc. 161 165 20 285 1 0 0 632

2004 CA United Way, Inc. 5 56 8 41 0 2 1 113

2000 CA West Enterprise Center 1 2 35 2 4 0 0 44


1999 CO Mile High United Way ¹ 87 1 67 72 6 0 27 260

2001 CO Mile High United Way 68 6 65 115 6 0 24 284


2004 CO Pikes Peak Community Action Agency, Inc. 7 1 9 5 0 1 0 23

1999 CT Committee on Training and Employment, Inc. (CTE, Inc.) 34 1 19 22 0 2 0 78

2001 CT Committee on Training and Employment, Inc. (CTE, Inc.) 20 0 8 14 0 0 0 42

2000 CT Connecticut Department of Labor 177 2 21 36 0 1 0 237




2001 CT Co-Opportunity, Inc. 30 0 2 8 0 4 0 44




2004 CT Empower New Haven, Inc. 0 0 0 0 0 0 0 02000 CT Family Services Woodfield, Inc. 32 0 4 14 0 0 0 50

2002 DC 2nd District Religious, Educational Charitable Development Project 0 0 0 0 0 0 0 0

2003 DC Assemblies of God Financial Services 2 1 9 2 1 0 0 15

1999 DC Capital Area Asset Building Corporation 218 1 6 46 0 5 0 276


2004 DC District of Columbia, Department of Mental health 0 0 0 0 0 0 0 0

2004 DC National Cooperative Bank Development Corporation 0 0 0 0 0 0 0 0

Appendix G

Race and Ethnicity of Accountholders ¹ Administered an AFI grant that concluded at the end of FY 2004 Page 2 of 8

Appendix G



GrantYear


AsianAmerican



Total

2001 DE First State Community Loan Fund 388 6 39 14 1 24 6 478


2001 FL Aid to Victims of Domestic Abuse, Inc. 0 0 1 1 0 1 0 3

2004 FL Broward County Board of County Commissioners 0 0 0 0 0 0 0 0




2003 FL Capital Area Community Action Agency 0 0 0 0 0 0 0 0

2004 FL Dream Builders of Tallahassee, Inc. 0 0 0 0 0 0 0 0

2001 FL First Coast Workforce Development, Inc. 5 0 6 1 0 0 0 12

2002 FL Fresh Ministries, Inc. 64 0 6 4 0 3 0 77

2003 FL Partners For Self-Employment, Inc. 101 0 14 60 0 0 1 1762004 FL United Way of Palm Beach County 55 2 5 8 0 0 52 122

2002 GA Atlanta Cooperative Development Corporation 39 0 1 1 0 0 0 41

2003 GA Core Neighborhood Revitalization 21 0 1 0 0 0 0 22

2002 GA Economic Opportunity for Savannah Chatham County Area 35 0 1 0 0 0 0 36


2003 GA New Birth Missionary Baptist Church 0 0 0 0 0 0 0 0

2000 GA United Way of Metropolitan Atlanta 287 0 7 12 0 0 0 306


1999 HI ALU LIKE, Inc. 0 0 0 0 0 408 0 408

2004 HI ALU LIKE, Inc. 0 0 0 0 0 0 0 0

1999 HI Hawaii Alliance for Community Based Economic Development ¹ 0 47 10 3 3 3 10 76

2003 HI Pacific Gateway Center 0 18 0 0 0 0 0 18

1999 IA Institute for Social & Economic Development 143 19 279 42 5 32 0 520


2000 IL Bethel New Life, Inc. 59 0 1 1 0 2 2 65

2003 IL Fellowship Missionary Baptist Church 0 0 0 0 0 0 0 0

2003 IL Goodcity NFP 7 0 0 0 0 0 0 7

2004 IL Goodcity NFP 33 0 0 0 0 0 0 33

2000 IL Illinois Community Action Association 96 3 97 25 1 0 15 237


2003 IL Neighborhood Housing Development 0 0 0 0 0 0 0 02002 IL Partnership Accounts for Individual Development 28 2 9 0 0 1 0 40

2004 IL South Side Community Federal Credit Union 0 0 0 0 0 0 0 0

2000 IL Steans Family Foundation 161 0 2 1 0 1 0 165


1999 IL Women's Self-Employment Project 413 4 47 28 2 3 0 497

2003 IN Community Centers of Indianapolis 31 0 8 0 0 0 0 39

1999 KS The Family Conservancy, Inc. 197 4 41 131 1 5 0 379

Appendix G


Appendix G



GrantYear


AsianAmerican



Total



2004 KY Kentucky Domestic Violence Association 21 0 33 3 0 0 0 57

1999 KY Kentucky River Foothills Development Council Inc ¹ 6 0 19 0 0 0 0 25



1999 KY Kentucky River Foothills Development Council, Inc. 6 0 19 0 0 0 0 25

2001 KY Owsley County Action Team Incorporated 0 0 12 0 0 0 0 12

1999 KY The Center for Women and Families 59 0 29 5 0 4 0 97



2000 LA Administrators of the Tulane Education Fund 93 0 4 5 1 0 11 1142001 LA Administrators of the Tulane Education Fund 22 0 0 1 0 0 124 147

2001 LA Caleb Community Development Corporation 12 0 0 0 0 0 0 12


2001 LA Northeast Louisiana Delta Community Development Corp. 1 0 0 0 0 0 0 1

2003 LA Total Community Action, Inc. 81 0 0 0 0 0 0 81


1999 MA Allston Brighton Community Development Corporation 7 8 25 49 1 3 0 93




2002 MA Community Service Network, Inc. 2 0 10 7 0 0 0 19


2000 MA Employment Resources Inc 0 0 1 0 0 13 0 14

2001 MA International Institute of Boston 0 0 2 0 0 10 0 12

2002 MA Montachusett Opportunity Council, Inc. 7 1 44 17 0 1 4 74

2001 MA Organization for a New Equality, Inc. 7 0 0 1 0 2 0 10

2004 MA Springfield Partners for Community Action, Inc. 9 1 2 5 0 0 0 17

2002 MA YouthBuild USA 8 4 8 1 1 0 0 22


2003 MD Allegany County Human Resources 2 0 42 0 0 0 0 44

1999 MD Southern Maryland Tri-County Community Action Committee 117 0 30 4 0 0 0 1511999 ME Coastal Enterprises, Inc. 8 6 157 2 3 5 0 181

2001 ME Coastal Enterprises, Inc. 0 0 0 0 0 0 0 0

1999 ME Penquis Community Action Program 4 1 141 1 2 0 2 151



2001 MI City Vision, Inc. 166 2 206 55 5 13 0 447

2001 MI Community Action Agency 81 1 102 19 0 4 0 207

Appendix G


Appendix G



GrantYear


AsianAmerican



Total

1999 MI FiveCAP, Inc. 10 0 90 7 5 0 9 121

2004 MI Legal Services of Eastern Michigan 20 0 24 2 1 3 7 57

1999 MI Michigan Neighborhood Partnership 231 1 8 0 0 8 0 248




00 c ga e g bo ood a t e s p 30 0 0 0 0 0 3

2004 MI Michigan State University 0 0 2 0 0 0 0 2

2002 MI Northwest Michigan Human Services Agency 0 0 45 2 0 1 0 48


2001 MI Oakland Livingston Human Services Agency 112 0 31 19 0 2 0 164

2001 MI United Way for Southeastern Michigan 163 1 44 3 1 18 0 2302003 MI United Way for Southeastern Michigan 0 0 0 0 0 0 0 0

2004 MN Lutheran Social Service of Minnesota 6 0 6 0 0 0 0 12

1999 MN Ramsey Action Programs, Inc. ¹ 142 18 474 27 71 16 0 748

2003 MN West Central Minnesota Communities Action, Inc. 91 16 438 28 36 22 0 631


2002 MO Great Rivers Community Trust 134 0 24 0 0 0 2 160

2001 MO Missouri Association for Community Action 50 1 100 4 8 0 1 164

2002 MO Opportunities Industrialization Center of the Midwest 153 0 9 5 0 3 0 170


2000 MO People's Community Development Corporation 114 0 9 0 3 0 0 126


2001 MO Redevelopment Opportunities for Women, Inc. 8 0 2 0 0 0 0 10


2001 MO The Learning Exchange, Inc. 31 0 0 0 0 0 6 37

2002 MO United Way of Greater St. Louis, Inc. 101 0 34 1 0 4 0 140

1999 MO United Way of Greater St. Louis, Inc. ¹ 235 2 46 1 2 2 4 292

2003 MS AJFC Community Action Agency, Inc. 84 0 0 0 0 0 0 84

2001 MS Jackson County Civic Action Committee, Inc. 7 0 3 0 0 0 0 10

2002 MT District 7 Human Resources Development Council 0 0 36 6 9 1 0 52

2004 MT Poverello Center, Inc. 0 0 1 0 0 0 0 1

1999 NC North Carolina Department of Labor 646 7 74 15 2 0 16 7602001 NC North Carolina Department of Labor 775 0 61 22 4 0 9 871

2001 NC United Way of Forsyth County 250 0 16 6 0 0 0 272


2001 NC Western Carolina Community Action, Inc. 2 1 9 5 0 0 0 17


2002 ND Southeastern North Dakota Community Action Agency 0 1 17 0 0 0 0 18


Appendix G


Appendix G



GrantYear


AsianAmerican



Total

2004 NE Family Housing Advisory Services, Inc. 2 0 3 0 0 0 0 5

2001 NE New Community Development Corporation 0 0 0 0 0 0 0 0

2001 NH New Hampshire Community Loan Fund 26 3 300 32 13 23 0 397




p y

2001 NJ Camden County Council On Economic Opportunity, Inc. 68 5 14 71 0 0 0 158



2001 NJ New Jersey Department of Community Affairs 42 2 54 15 1 2 0 116

2004 NM New Mexico Association of Community Action Agencies 0 0 1 4 1 0 0 62001 NM Northwest New Mexico Community Development Corporation 2 0 79 62 32 8 4 187

2004 NM Women's Economic Self-Sufficiency Team (WESST corp.) 1 0 4 8 2 0 0 15

1999 NV Community Services Agency Development Corporation 14 3 31 32 1 0 0 81


1999 NV Economic Opportunity Board of Clark County ¹ 38 1 2 9 1 1 0 52

2001 NY Action For a Better Community, Inc. 13 0 0 2 0 0 0 15

1999 NY Affordable Housing Partnership of Albany County, Inc. 11 0 21 6 0 0 6 44

2001 NY Alternatives Federal Credit Union 11 1 50 6 0 0 3 71


2001 NY Community Action of Greene County, Inc. 0 0 2 0 0 0 0 2

2001 NY Community Development Corporation of Long Island, Inc. 0 0 0 0 0 0 25 25

2001 NY Fifth Avenue Committee 16 3 2 11 1 7 1 41


2004 NY FoodChange 2 0 0 2 0 0 0 4

2002 NY Local Development Corporation of East New York 16 0 2 0 0 0 0 18

2001 NY Lower Eastside People's Federal Credit Union 7 4 8 9 0 0 0 28

1999 NY Mount Hope Housing Company, Inc. 55 0 1 40 0 0 5 101



2000 NY Non-Profit Assistance Corporation 146 27 9 62 7 44 28 323

2001 NY Westchester Housing Fund 17 0 4 3 0 3 0 272003 NY Westchester Housing Fund 0 0 0 0 0 0 0 0

2001 NY YWCA of Rochester and Monroe County 34 3 9 5 0 0 0 51

2004 OH Economic and Community Development Institute (ECDI) 7 0 1 0 0 166 0 174

1999 OH Ohio Community Development Association 98 1 110 15 0 0 139 363

2002 OH Ohio Community Development Corporations Association 124 1 108 4 1 27 0 265

2001 OH Stark County Out of Poverty Partnership, Inc 4 0 3 0 0 0 0 7

2000 OH Working for Empowerment through Community (WECO) 150 0 15 6 3 3 0 177

Appendix G


Appendix G



GrantYear


AsianAmerican



Total

2000 OK Community Action Agency of Oklahoma City 22 1 8 2 1 0 0 34



1999 OK Little Dixie Community Action Agency, Inc. ¹ 3 0 9 0 2 0 0 14



2001 OR Community And Shelter Assistance Corporation 4 0 65 22 4 0 4 99




1999 OR Portland Housing Center, Inc. 25 4 31 13 3 0 0 762002 PA People For People, Inc. 0 0 0 0 0 0 0 0

2002 PA United Way of Southeastern Pennsylvania 40 1 3 40 0 0 1 85

1999 PA YWCA of Greater Pittsburgh ¹ 102 0 5 0 0 0 1 108

2000 SC South Carolina Association of Community Development Corporations 436 0 26 2 2 3 26 495

2001 SC Urban League of the Upstate, Inc. 106 0 13 1 0 0 0 120

2001 SD The Lakota Fund 0 0 0 0 17 0 0 17

2003 TN Advance Memphis 12 0 0 0 0 0 0 12

2002 TN Oasis Center 40 2 3 0 0 11 0 56

2003 TN Upper Cumberland Human Resources 1 0 37 0 0 0 0 38

2000 TN Upper East Tennessee Human Development Agency, Inc. 10 0 40 1 0 1 0 52

2002 TN Upper East Tennessee Human Development Agency, Inc. 5 0 16 6 0 0 0 272001 TX Catholic Family Service, Inc. 0 0 1 0 0 0 0 1

2000 TX City of San Antonio 7 0 6 116 0 0 0 129



2002 TX Community Action Council of South Texas 0 0 0 41 0 0 0 41

2004 TX Community Action Program, Inc. of Taylor County 5 0 21 9 0 0 0 35

2004 TX Covenant Community Capital Corporation 35 1 10 22 0 0 0 68

2001 TX El Paso Collaborative for Community & Economic Development 2 1 3 245 0 0 0 251

2002 TX El Paso County 0 0 0 17 0 0 0 17

1999 TX Foundation Communities 28 3 56 75 1 4 0 1672002 TX Foundation Communities 12 2 20 21 0 0 0 55

2004 TX Foundation Communities 5 2 3 12 0 2 0 24

2004 TX Goodwill Industries of San Antonio 2 0 5 49 0 0 0 56

2000 TX Gulf Coast Community Services Association 58 0 3 66 0 9 0 136

2003 TX Housing Services of Texas 22 0 2 2 0 0 0 26

2004 TX Multicultural Community Development Corporation (MCDC) 1 6 0 0 0 5 0 12

2001 TX Student Alternatives Program, Inc. 0 0 5 15 0 0 0 20

Appendix G


Appendix G



GrantYear State Agency Name AfricanAmerican AsianAmerican Caucasian Hispanic NativeAmerican Other Race UnknownRace Total

2001 TX United Community Centers, Inc. 8 0 3 2 0 0 0 13

2000 TX United Way of the Texas Gulf Coast 184 4 16 96 1 0 1 302

2004 UT Utah Issues Center for Poverty Research and Action 0 0 33 3 10 1 0 47

2001 VA New Enterprises Fund, Inc. 0 0 0 0 0 0 33 33

2002 VA N E t i F d I 11 3 39 0 0 0 1 54




2002 VA New Visions, New Ventures, Inc. 7 0 0 0 0 0 0 7


1999 VA People Incorporated of Southwest Virginia 4 0 44 0 0 0 0 48

2002 VA Total Action Against Poverty in Roanoke Valley 54 0 14 2 1 0 0 711999 VT Central Vermont Community Action Council, Inc. 7 1 168 3 10 13 0 202

2002 VT Central Vermont Community Action Council, Inc. 5 4 159 3 8 0 6 185



2002 WA Spokane Neighborhood Action Programs 0 0 21 2 0 0 0 23



2001 WA United Way of King County 68 23 43 27 0 1 0 162



2004 WA United Way of King County 0 0 0 0 0 0 0 02003 WI Boys & Girls Club of Greater Milwaukee 26 4 18 3 0 0 0 51

2000 WI CAP Services, Inc. 10 28 145 11 1 0 0 195


2001 WI Catholic Charities of the Diocese of La Crosse, Inc. 4 0 50 0 1 0 0 55

2004 WI Lao Family Community, Inc. 0 0 0 0 0 0 0 0

2001 WI Wisconsin Community Action Program Association, Inc. 0 0 0 0 0 0 0 0

1999 WI Wisconsin Community Action Program Association, Inc. (WISCAP) 118 40 299 18 5 0 145 625

1999 WI Wisconsin Women's Business Initiative ¹ 73 0 3 10 0 3 0 89

2001 WI Wisconsin Women's Business Initiative 124 5 8 5 2 0 0 144

2003 WI Wisconsin Women's Business Initiative 21 0 0 1 0 0 0 222004 WI YWCA of Greater Milwaukee 0 0 0 0 0 0 0 0

Percentage 43% 4% 26% 16% 2% 5% 3% 100%

Appendix G


Appendix H

Marital Status of Accountholders

All AFI Grants Awarded (FY 1999 - FY 2004)

GrantYear State Agency Name Single Married Separated Divorced Widowed Other Unknown Total

2003 AK Cook Inlet Tribal Council, Inc. 38 12 1 15 1 0 0 67

2004 AL Family Services Center 8 1 2 1 0 2 0 14

2002 AL Tuscaloosa Housing Authority 12 0 0 5 0 0 0 17

2004 AR Crowley's Ridge Development Council, Inc 1 3 0 3 1 0 0 8

2001 AR EOA Washington County 3 3 0 3 1 0 0 10






2002 AR South Arkansas Community Development 0 14 2 3 1 9 2 31

2003 AR South Arkansas Community Development 1 0 0 0 0 0 0 12000 AR Southern Good Faith Fund 105 40 10 12 1 0 0 168

2002 AR Southern Good Faith Fund 71 36 10 11 0 0 0 128

2004 AZ Chicanos Por La Causa Tucson (CPLC Tucson) 0 0 0 0 0 0 0 0

2001 AZ City of Tucson Community Services Department 17 11 8 11 0 0 0 47


2001 AZ Mesa Community Action Network, Inc. 26 13 2 15 0 0 29 85



2004 AZ South Eastern Arizona Community Action Program, Inc. 0 0 0 0 0 0 0 0

2003 CA Alliance for African Assistance 0 0 0 0 0 0 0 0

2001 CA AnewAmerica Community Corporation 12 41 1 5 1 0 9 692002 CA AnewAmerica Community Corporation 3 8 0 1 0 0 1 13

2004 CA AnewAmerica Community Corporation 0 0 0 0 0 0 0 0

2004 CA Cabrillo Economic Development Corporation 0 0 0 0 0 0 0 0

2001 CA City of Los Angeles 109 89 11 15 3 0 54 281

2001 CA Community Action Commission of Santa Barbara County 0 0 0 0 0 0 0 0



2000 CA Community Action Partnership of Sonoma County 3 15 1 5 0 0 3 27



2004 CA Community Housing Development Corporation 0 0 0 0 0 0 0 0

2003 CA Earned Assets Resource Network (EARN) 450 132 31 56 7 0 0 676


1999 CA East Bay Asian Local Development Corporation 161 70 14 31 5 0 0 281


1999 CA Fresno County Economic Opportunities Commission 22 37 8 3 0 0 0 70

2002 CA Fresno County Economic Opportunities Commission 0 0 0 0 0 0 0 0

Appendix H

Marital Status of Accountholders ¹ Administered an AFI grant that concluded at the end of FY 2004 Page 1 of 8

Appendix H
















2001 CA United Way, Inc. 144 80 16 27 11 0 0 278

2002 CA United Way, Inc. 233 292 42 55 10 0 0 632

2004 CA United Way, Inc. 19 74 7 13 0 0 0 113



1999 CO Mile High United Way ¹ 141 59 15 40 5 0 0 260




1999 CT Committee on Training and Employment, Inc. (CTE, Inc.) 36 27 1 14 0 0 0 782001 CT Committee on Training and Employment, Inc. (CTE, Inc.) 25 5 5 7 0 0 0 42





2003 CT Co-Opportunity Inc 3 0 0 0 0 0 0 3




2004 CT Empower New Haven, Inc. 0 0 0 0 0 0 0 0

2000 CT Family Services Woodfield, Inc. 24 13 1 6 1 0 5 50







Appendix H


Appendix H













2001 FL First Coast Workforce Development, Inc. 12 0 0 0 0 0 0 12

2002 FL Fresh Ministries, Inc. 45 11 4 17 0 0 0 77

2003 FL Partners For Self-Employment, Inc. 100 48 6 20 1 0 2 1772004 FL United Way of Palm Beach County 39 17 6 8 0 0 52 122








1999 HI ALU LIKE, Inc. 236 137 2 29 4 0 0 408

2004 HI ALU LIKE, Inc. 0 0 0 0 0 0 0 0

1999 HI Hawaii Alliance for Community Based Economic Development ¹ 37 25 3 10 1 0 0 762003 HI Pacific Gateway Center 2 14 0 2 0 0 0 18





2003 IL Goodcity NFP 0 6 1 0 0 0 0 7

2004 IL Goodcity NFP 13 9 3 3 5 0 0 33



2003 IL Neighborhood Housing Development 0 0 0 0 0 0 0 0

2002 IL Partnership Accounts for Individual Development 17 11 3 9 0 0 0 40

2004 IL South Side Community Federal Credit Union 0 0 0 0 0 0 0 0






Appendix H


Appendix H







1999 KY Kentucky River Foothills Development Council, Inc. ¹ 11 3 3 7 1 0 0 25




y y p














2002 MA Community Service Network, Inc. 11 2 2 4 0 0 0 192004 MA Community Service Network, Inc. 0 0 0 0 0 0 0 0









1999 MD Southern Maryland Tri-County Community Action Committee 103 20 11 16 1 0 0 151








Appendix H

Marital Status of Accountholders¹ Administered an AFI grant that concluded at the end of FY 2004 Page 4 of 8

Appendix H



Grant

Year State Agency Name Single Married Separated Divorced Widowed Other Unknown Total

1999 MI FiveCAP, Inc. 54 26 15 23 2 1 0 121










2001 MI United Way for Southeastern Michigan 131 48 11 35 5 0 0 2302003 MI United Way for Southeastern Michigan 0 0 0 0 0 0 0 0


1999 MN Ramsey Action Programs, Inc. ¹ 347 194 28 171 8 0 0 748








2002 MO People's Community Development Corporation 20 3 4 3 0 0 0 302001 MO Redevelopment Opportunities for Women, Inc. 5 1 1 3 0 0 0 10




1999 MO United Way of Greater St. Louis, Inc. ¹ 197 38 22 32 1 0 2 292





1999 NC North Carolina Department of Labor 509 73 67 69 3 0 39 760








Appendix H

Marital Status of Accountholders¹ Administered an AFI grant that concluded at the end of FY 2004 Page 5 of 8



Appendix H



Grant

Year State Agency Name Single Married Separated Divorced Widowed Other Unknown Total




1999 OK Little Dixie Community Action Agency, Inc. ¹ 4 5 1 4 0 0 0 14


2002 OR Comm nit And Shelter Assistance Corporation 67 57 6 45 1 0 0 176








1999 PA YWCA of Greater Pittsburgh ¹ 94 2 2 10 0 0 0 108






2002 TN Oasis Center 56 0 0 0 0 0 0 56


2000 TN Upper East Tennessee Human Development Agency, Inc. 18 17 4 13 0 0 0 522002 TN Upper East Tennessee Human Development Agency, Inc. 9 12 1 5 0 0 0 27

2001 TX Catholic Family Service, Inc. 0 0 0 1 0 0 0 1








2002 TX El Paso County 7 5 1 4 0 0 0 17








Appendix H




Appendix I

Number of Adults in Households of Accountholders


Grant

Year State Agency Name 1 Adult 2 Adults 3 Adults 4 Adults 5 Adults6 Plus

Adults

Unknown

Number ofAdults

Totals









y




2001 CA United Way, Inc. 139 96 28 9 2 1 3 278

2002 CA United Way, Inc. 223 294 69 23 13 0 10 632

2004 CA United Way, Inc. 21 53 23 9 1 0 6 113



1999 CO Mile High United Way1

172 75 10 2 1 0 0 260




1999 CT Committee on Training and Employment, Inc (CTE, Inc.) 52 24 2 0 0 0 0 782001 CT Committee on Training and Employment, Inc. (CTE, Inc.) 32 9 1 0 0 0 0 42





2003 CT Co-Opportunity Inc 3 0 0 0 0 0 0 3




2004 CT Empower New Haven, Inc. 0 0 0 0 0 0 0 0

2000 CT Family Services Woodfield, Inc. 25 22 2 0 0 1 0 50







Appendix I

Number of Adults in Households of Accountholders ¹ Administered an AFI grant that concluded at the end of FY 2004. Page 2 of 8



Appendix I



Grant

Year State Agency Name 1 Adult 2 Adults 3 Adults 4 Adults 5 Adults

6 Plus

Adults

Unknown

Number ofAdults

Totals




1999 KY Kentucky River Foothills Development Council, Inc.1

19 6 0 0 0 0 0 25

















2002 MA Community Service Network, Inc. 17 2 0 0 0 0 0 192004 MA Community Service Network, Inc. 0 0 0 0 0 0 0 0









1999 MD Southern Maryland Tri-County Community Action Committee 126 25 0 0 0 0 0 151








Appendix I


Appendix I



Grant


6 Plus

Adults

Unknown

Number ofAdults

Totals

1999 MI FiveCAP, Inc. 73 24 10 5 5 3 4 124






2003 MI N th t Mi hi H S i A 15 8 0 0 0 0 0 23





2001 MI United Way for Southeastern Michigan 143 61 22 3 0 0 1 230



1999 MN Ramsey Action Programs, Inc.1

472 251 18 7 0 0 0 748








2002 MO People's Community Development Corporation 21 6 1 2 0 0 0 302001 MO Redevelopment Opportunities for Women, Inc. 10 0 0 0 0 0 0 10




1999 MO United Way of Greater St. Louis, Inc.1

179 82 18 11 2 0 0 292












Appendix I


Appendix I



Grant


6 Plus

Adults

Unknown

Number ofAdults

Totals


2004 NE Family Housing Advisory Services, Inc. 4 1 0 0 0 0 0 5

2001 NE New Community Development Corporation 0 0 0 0 0 0 0 0




2002 NJ Camden County Council On Economic Opportunity Inc 4 23 8 6 2 0 0 43






2004 NM New Mexico Association of Community Action Agencies 4 2 0 0 0 0 0 6

2001 NM Northwest New Mexico Community Development Corporation 103 63 10 4 0 7 0 187

2004 NM Women's Economic Self-Sufficiency Team (WESST corp.) 10 5 0 0 0 0 0 15



1999 NV Economic Opportunity Board of Clark County1

41 8 2 1 0 0 0 52



2001 NY Alternative Federal Credit Union 48 22 1 0 0 0 0 71


2001 NY Community Action of Greene County, Inc. 1 1 0 0 0 0 0 22001 NY Community Development Corporation of Long Island, Inc. 0 0 0 0 0 0 25 25



2004 NY FoodChange 1 3 0 0 0 0 0 4







2001 NY Westchester Housing Fund 21 4 1 0 0 1 0 27






2001 OH Stark County Out of Poverty Partnership, Inc 3 3 1 0 0 0 0 7

Appendix I


Appendix I



Grant


6 Plus

Adults

Unknown

Number ofAdults

Totals

2000 OH Working for Empowerment through Community (WECO) 145 32 0 0 0 0 0 177




1999 OK Little Dixie Community Action Agency, Inc.1

0 4 6 3 0 1 0 14

2001 OR Community And Shelter Assistance Corp. 54 39 5 1 0 0 0 99

2002 OR Community And Shelter Assistance Corp 83 84 5 2 1 1 0 176





2004 OR Community And Shelter Assistance Corporation 0 0 0 0 0 0 0 01999 OR Portland Housing Center, Inc. 67 8 0 1 0 0 0 76

2004 PA PA Department of Community & Economic Development 0 0 0 0 0 0 0 0

2002 PA People For People, Inc. 0 0 0 0 0 0 0 0


1999 PA YWCA of Greater Pittsburgh1

76 16 1 0 0 0 15 108





2002 TN Oasis Center 0 0 0 0 0 0 56 56

2003 TN Upper Cumberland Human Resources 18 17 3 0 0 0 0 382000 TN Upper East Tennessee Human Development Agency, Inc. 32 20 0 0 0 0 0 52

2002 TN Upper East Tennessee Human Development Agency, Inc. 14 12 1 0 0 0 0 27









2002 TX El Paso County 10 6 0 1 0 0 0 17






Appendix I


Appendix I



Grant


6 Plus

Adults

Unknown

Number ofAdults

Totals














1999 VA People Incorporated of Southwest Virginia 23 25 0 0 0 0 0 48

2002 VA Total Action Against Poverty in Roanoke Valley 39 27 5 0 0 0 0 71








2001 WA United Way of King County 94 50 11 5 1 1 0 1622002 WA United Way of King County 47 33 9 2 0 0 1 92



2003 WI Boys & Girls Club of Greater Milwaukee 0 0 0 0 0 0 51 51







1999 WI Wisconsin Women's Business Initiative ¹ 59 25 3 2 0 0 0 892001 WI Wisconsin Women's Business Initiative 63 42 21 7 11 0 0 144


2004 WI YWCA of Greater Milwaukee 0 0 0 0 0 0 0 0

Percentage 55% 30% 6% 2% 1% 0% 6% 100%

Appendix I




Appendix J

Number of Children in Households of Accountholders


Grant

YearState Agency Name 0 Children

1

Child2 Children 3 Children 4 Children 5 Children

6 Plus

ChildrenUnknown Totals

2001 CA Mercy Housing California 2 11 10 6 5 1 0 0 35

2001 CA Northeast Community Federal Credit Union 4 2 2 1 0 0 0 2 11

2002 CA Northeast Community Federal Credit Union 5 5 1 0 0 0 1 0 12

1999 CA Peninsula Community Foundation 95 34 34 17 6 3 1 0 190

1999 CA Riverside County Community Action Agency 17 74 66 32 18 6 6 0 219



2001 CA United Way, Inc. 83 60 61 43 17 13 1 0 278



y

2002 CA United Way, Inc. 152 158 176 93 38 10 5 0 632

2004 CA United Way, Inc. 35 39 26 8 5 0 0 0 113

2000 CA West Enterprise Center 14 15 8 4 3 0 0 0 44

2003 CA West Enterprise Center 5 3 0 2 0 0 0 0 10

1999 CO Mile High United Way159 77 69 24 20 5 6 0 260

2001 CO Mile High United Way 52 94 72 41 17 6 2 0 284

2002 CO Mile High United Way 0 0 0 0 0 0 0 0 0

2004 CO Pikes Peak Community Action Agency, Inc. 4 6 3 4 2 1 0 3 23

1999 CT Committee on Training and Employment, Inc. (CTE, Inc.) 10 17 26 11 10 1 0 3 78

2001 CT Committee on Training and Employment, Inc. (CTE, Inc.) 8 12 11 7 4 0 0 0 42

2000 CT Connecticut Department of Labor 41 55 62 54 16 8 1 0 237



2004 CT Connecticut Department of Labor 0 2 7 4 0 0 0 0 132001 CT Co-Opportunity, Inc. 7 8 15 11 1 2 0 0 44

2002 CT Co-Opportunity, Inc. 6 4 12 6 0 0 0 0 28



2004 CT Empower New Haven, Inc. 0 0 0 0 0 0 0 0 0

2000 CT Family Services Woodfield, Inc. 7 8 11 13 8 1 2 0 50

2002 DC 2nd District Religious, Educational Charitable Development Project 0 0 0 0 0 0 0 0 0

2003 DC Assemblies of God Financial Services 13 0 1 1 0 0 0 0 15

1999 DC Capital Area Asset Building Corporation 37 72 72 57 21 6 8 3 276

2002 DC Capital Area Asset Building Corporation 0 0 0 0 0 0 0 0 0

2004 DC District of Columbia, Department of Mental health 0 0 0 0 0 0 0 0 0

2004 DC National Cooperative Bank Development Corporation 0 0 0 0 0 0 0 0 0

2001 DE First State Community Loan Fund 59 166 127 70 35 9 4 8 478

2004 DE First State Community Loan Fund 19 52 35 18 11 1 0 4 140

2001 FL Aid to Victims of Domestic Abuse, Inc. 0 1 1 1 0 0 0 0 3

2004 FL Broward County Board of County Commissioners 0 0 0 0 0 0 0 0 0

2003 FL Capital Area Community Action Agency 0 0 0 0 0 0 0 0 0

2004 FL Dream Builders of Tallahassee, Inc. 0 0 0 0 0 0 0 0 0

Appendix J

Number of Children in Households of Accountholders ¹ Administered an AFI grant that concluded at the end of FY 2004. Page 2 of 8

Appendix J



Grant


1


6 Plus


2001 FL First Coast Workforce Development, Inc. 0 5 3 4 0 0 0 0 12

2002 FL Fresh Ministries, Inc. 8 24 19 13 9 1 3 0 77

2003 FL Partners For Self-Employment, Inc. 71 26 44 25 6 3 1 0 176

2004 FL United Way of Palm Beach County 0 0 0 0 0 0 0 0 0

2002 GA Atlanta Cooperative Development Corporation 0 0 0 0 0 0 0 41 41

2003 GA Core Neighborhood Revitalization 2 1 13 3 2 0 1 0 22

2002 GA Economic Opportunity for Savannah Chatham County Area 10 3 9 9 3 2 0 0 36

2004 GA Economic Opportunity for Savannah Chatham County Area 14 4 3 6 3 0 0 0 30



2003 GA New Birth Missionary Baptist Church 0 0 0 0 0 0 0 0 0

2000 GA United Way of Metropolitan Atlanta 99 81 62 33 17 11 0 3 306

2001 GA United Way of Metropolitan Atlanta 0 0 0 0 0 0 0 194 194

1999 HI ALU LIKE, Inc. 148 103 74 66 11 6 0 0 408

2004 HI ALU LIKE, Inc. 0 0 0 0 0 0 0 0 0

1999 HI Hawaii Alliance for Community Based Economic Development1 14 14 3 17 14 4 0 0 66

2003 HI Pacific Gateway Center 5 0 8 3 2 0 0 0 18

1999 IA Institute for Social & Economic Development 97 141 140 82 29 15 10 6 520

2002 IA Institute for Social & Economic Development 67 52 62 40 28 5 8 3 265

2000 IL Bethel New Life, Inc. 26 16 9 9 3 0 1 1 65

2003 IL Fellowship Missionary Baptist Church 0 0 0 0 0 0 0 0 0

2003 IL Goodcity NFP 7 0 0 0 0 0 0 0 7

2004 IL Goodcity NFP 7 5 10 9 2 0 0 0 33

2000 IL Illinois Community Action Association 29 48 66 67 13 9 4 1 2372002 IL Illinois Community Action Association 9 17 34 25 4 1 0 1 91

2003 IL Neighborhood Housing Development 0 0 0 0 0 0 0 0 0

2002 IL Partnership Accounts for Individual Development 0 13 13 10 3 0 1 0 40

2004 IL South Side Community Federal Credit Union 0 0 0 0 0 0 0 0 0

2000 IL Steans Family Foundation 28 41 36 25 21 6 7 1 165

2002 IL Steans Family Foundation 7 34 27 16 17 0 0 0 101

1999 IL Women's Self-Employment Project 119 121 122 67 42 26 0 0 497

2003 IN Community Centers of Indianapolis 10 9 9 8 2 1 0 0 39

1999 KS The Family Conservancy, Inc. 75 99 96 69 20 16 4 0 379



2004 KY Kentucky Domestic Violence Association 0 0 0 0 0 0 0 0 0


6 7 7 4 0 1 0 0 25

2001 KY Owsley County Action Team Incorporated 0 0 0 0 0 0 0 0 0

1999 KY The Center for Women and Families 14 26 23 23 9 2 0 0 97



2000 LA Administrators of the Tulane Education Fund 30 33 31 14 5 1 0 0 114

Appendix J


Appendix J



Grant


1


6 Plus


2001 LA Administrators of the Tulane Education Fund 40 40 45 14 3 3 2 0 147

2001 LA Caleb Community Development Corporation 0 4 5 2 0 1 0 0 12

2002 LA Caleb Community Development Corporation 0 0 0 0 0 0 0 0 0

2001 LA Northeast Louisiana Delta Community Development Corp. 0 1 0 0 0 0 0 0 1

2003 LA Total Community Action, Inc. 1 39 20 13 6 0 2 0 81

2004 LA Total Community Action, Inc. 0 0 0 0 0 0 0 0 0

1999 MA Allston Brighton Community Development Corporation 24 20 10 5 2 1 0 34 96


2002 MA All t B i ht C it D l t C ti 2 3 4 2 1 0 1 29 42





2002 MA Community Service Network, Inc. 2 5 9 3 0 0 0 0 19

2004 MA Community Service Network, Inc. 0 0 0 0 0 0 0 0 0

2000 MA Employment Resources Inc 0 0 0 0 0 0 0 0 0

2001 MA International Institute of Boston 5 2 3 1 0 0 1 0 12

2002 MA Montachusett Opportunity Council, Inc. 1 24 24 17 5 1 1 1 74

2001 MA Organization for a New Equality, Inc. 0 3 5 2 0 0 0 0 10

2004 MA Springfield Partners for Community Action, Inc. 0 0 0 0 0 0 0 0 0

2002 MA YouthBuild USA 17 1 1 3 0 0 0 0 22

2004 MA YouthBuild USA 0 0 0 0 0 0 0 0 0

2003 MD Allegany County Human Resources 0 0 0 0 0 0 0 0 0

1999 MD Southern Maryland Tri-County Community Action Committee 21 44 62 16 6 2 0 0 151

1999 ME Coastal Enterprises, Inc. 49 48 41 25 15 2 1 0 1812001 ME Coastal Enterprises, Inc. 0 0 0 0 0 0 0 0 0

1999 ME Penquis Community Action Program 19 43 48 30 10 0 1 0 151



2001 MI City Vision, Inc. 65 102 129 96 35 10 10 0 447

2001 MI Community Action Agency 19 53 64 41 17 5 4 4 207

1999 MI FiveCAP, Inc. 13 33 28 21 13 5 1 7 121

2004 MI Legal Services of Eastern Michigan 26 15 9 1 3 2 1 0 57

1999 MI Michigan Neighborhood Partnership 40 62 72 41 18 10 5 0 248

2001 MI Michigan Neighborhood Partnership 7 2 1 14 4 0 0 3 31

2004 MI Michigan State University 1 0 0 0 0 0 1 0 2

2002 MI Northwest Michigan Human Services Agency 12 14 13 7 1 1 0 0 48

2003 MI Northwest Michigan Human Services Agency 2 9 5 4 1 2 0 0 23

2001 MI Oakland Livingston Human Services Agency 10 52 53 25 16 6 2 0 164

2001 MI United Way for Southeastern Michigan 56 53 69 35 9 5 3 0 230

2003 MI United Way for Southeastern Michigan 0 0 0 0 0 0 0 0 0

2004 MN Lutheran Social Service of Minnesota 2 3 6 1 0 0 0 0 12


115 198 211 127 66 15 16 0 748

Appendix J




Appendix J



Grant


1

Child

2 Children 3 Children 4 Children 5 Children6 Plus

Children

Unknown Totals

2003 TN Upper Cumberland Human Resources 16 16 4 2 0 0 0 0 38

2000 TN Upper East Tennessee Human Development Agency, Inc. 5 16 20 9 2 0 0 0 52

2002 TN Upper East Tennessee Human Development Agency, Inc. 2 7 9 7 1 1 0 0 27

2001 TX Catholic Family Service, Inc. 0 0 0 0 1 0 0 0 1

2000 TX City of San Antonio 19 38 37 24 8 3 0 0 129



2002 TX Community Action Council of South Texas 0 0 0 0 0 0 0 0 0

2004 TX Community Action Program, Inc. of Taylor County 6 12 9 7 0 1 0 0 35



2004 TX Community Action Program, Inc. of Taylor County 6 12 9 7 0 1 0 0 35

2004 TX Covenant Community Capital Corporation 30 12 19 5 2 0 0 0 68

2001 TX El Paso Collaborative for Community & Economic Development 27 54 85 75 10 0 0 0 2512002 TX El Paso County 0 5 8 4 0 0 0 0 17

1999 TX Foundation Communities 36 54 60 17 0 0 0 0 167



2004 TX Goodwill Industries of San Antonio 13 10 19 8 3 2 1 0 56

2000 TX Gulf Coast Community Services Association 23 27 46 25 10 2 3 0 136

2003 TX Housing Services of Texas 0 0 0 0 0 0 0 0 0

2004 TX Multicultural Community Development Corporation (MCDC) 0 0 0 0 0 0 0 0 0

2001 TX Student Alternatives Program, Inc. 10 5 5 0 0 0 0 0 20

2001 TX United Community Centers, Inc. 0 1 4 3 2 1 2 0 13

2000 TX United Way of the Texas Gulf Coast 71 81 89 40 14 4 3 0 3022004 UT Utah Issues Center for Poverty Research and Action 11 17 11 5 2 1 0 0 47

2001 VA New Enterprises Fund, Inc. 0 0 0 0 0 0 0 33 33

2002 VA New Enterprises Fund, Inc. 26 8 7 7 1 0 0 5 54

2002 VA New Visions, New Ventures, Inc. 4 1 1 0 0 0 1 0 7

2004 VA New Visions, New Ventures, Inc. 2 3 4 3 0 0 0 0 12

1999 VA People Incorporated of Southwest Virginia 7 16 17 6 2 0 0 0 48

2002 VA Total Action Against Poverty in Roanoke Valley 8 18 18 21 3 0 3 0 71

1999 VT Central Vermont Community Action Council, Inc. 59 48 48 28 11 3 3 2 202




2002 WA Spokane Neighborhood Action Programs 6 6 6 2 2 1 0 0 232003 WA Spokane Neighborhood Action Programs 12 10 13 0 3 1 1 7 47

2004 WA Spokane Neighborhood Action Programs 0 0 0 0 0 0 0 0 0

2001 WA United Way of King County 37 48 42 24 6 3 2 0 162




Appendix J


Appendix J



Grant

Year

State Agency Name 0 Children1

Child

2 Children 3 Children 4 Children 5 Children6 Plus

Children

Unknown Totals

2003 WI Boys & Girls Club of Greater Milwaukee 0 0 0 0 0 0 0 51 51

2000 WI CAP Services, Inc. 38 50 75 17 10 3 2 0 195

2001 WI CAP Services, Inc. 59 54 73 41 16 7 2 0 252

2001 WI Catholic Charities of the Diocese of La Crosse, Inc. 5 21 15 6 0 0 1 7 55

2004 WI Lao Family Community, Inc. 0 0 0 0 0 0 0 0 0

2001 WI Wisconsin Community Action Program Association, Inc. 0 0 0 0 0 0 0 0 0

1999 WI Wisconsin Community Action Program Association, Inc. (WISCAP) 0 0 0 0 0 0 0 0 0

1999 WI Wisconsin Women's Business Initiative112 23 29 13 6 6 0 0 89

2001 WI Wisconsin Women's Business Initiative 18 50 39 23 5 9 0 0 144



2003 WI Wisconsin Women's Business Initiative 4 6 7 5 0 0 0 0 22

2004 WI YWCA of Greater Milwaukee 0 0 0 0 0 0 0 0 0

Percentage 21% 26% 26% 15% 6% 2% 1% 4% 100%

Appendix J


Appendix K

Income in Relation to Poverty Levels


Grant

Year State Agency NameLess than

100%

100% to

150%

151% to

200%

Above

200% Total

2003 AK Cook Inlet Tribal Council, Inc. 26 26 15 0 67

2004 AL Family Services Center 2 5 5 2 14

2002 AL Tuscaloosa Housing Authority 17 0 0 0 17

2004 AR Crowley's Ridge Development Council, Inc 5 1 2 0 8

2001 AR EOA Washington County 6 2 2 0 10

2002 AR EOA Washington County 2 5 2 0 9



g y

2003 AR EOA Washington County 1 10 2 0 132002 AR South Arkansas Community Development 6 12 9 4 31

2003 AR South Arkansas Community Development 0 1 0 0 1

2000 AR Southern Good Faith Fund 86 73 9 0 168

2002 AR Southern Good Faith Fund 55 30 53 0 138

2004 AZ Chicanos Por La Causa Tucson (CPLC Tucson) 0 0 0 0 0

2001 AZ City of Tucson Community Services Department 24 17 3 3 47

2002 AZ City of Tucson Community Services Department 24 30 22 5 81

2001 AZ Mesa Community Action Network, Inc. 0 10 24 51 85

2003 AZ Mesa Community Action Network, Inc. 12 19 4 109 1442004 AZ Mesa Community Action Network, Inc. 0 0 0 0 0

2004 AZ South Eastern Arizona Community Action Program, Inc. 0 0 0 0 0

2003 CA Alliance for African Assistance 0 0 0 0 0

2001 CA AnewAmerica Community Corporation 14 10 45 0 69



2004 CA Cabrillo Economic Development Corporation 0 0 0 0 0

2001 CA City of Los Angeles 0 0 281 0 281

2001 CA Community Action Commission of Santa Barbara County 0 3 2 0 5



2000 CA Community Action Partnership of Sonoma County 0 4 23 0 27


Appendix K

Income in Relation to Poverty Levels ¹ Administered an AFI grant that concluded at the end of FY 2004 Page 1 of 11

Appendix K



Grant


100%

100% to

150%

151% to

200%

Above

200% Total


2004 CA Community Housing Development Corporation 0 0 0 0 0

2003 CA Earned Assets Resource Network (EARN) 120 120 123 0 363



1999 CA East Bay Asian Local Development Corporation 0 0 211 70 281



y p p

2002 CA East Bay Asian Local Development Corporation 0 0 25 6 311999 CA Fresno County Economic Opportunities Commission 0 0 70 0 70

2002 CA Fresno County Economic Opportunities Commission 0 0 0 0 0

2002 CA Jefferson Economic Development Institute 19 26 5 0 50

2003 CA Lenders for Community Development 17 16 11 0 44

1999 CA Mercy Housing California 27 32 27 2 88

2001 CA Mercy Housing California 14 13 6 2 35

2001 CA Northeast Community FCU 0 1 8 0 9

2002 CA Northeast Community FCU 3 0 9 0 12

1999 CA Peninsula Community Foundation 67 34 89 0 1901999 CA Riverside County Community Action Agency 135 44 40 0 219

2001 CA Riverside County Community Action Agency 58 44 26 0 128

2003 CA Riverside County Community Action Agency 4 9 4 0 17

2001 CA United Way, Inc. 0 0 0 0 0



2000 CA West Enterprise Center 14 30 0 0 44

2003 CA West Enterprise Center 4 6 0 0 10


90 98 50 14 252

2001 CO Mile High United Way 108 82 74 20 284

2002 CO Mile High United Way 0 0 0 0 0

2004 CO Pikes Peak Community Action Agency, Inc. 9 9 5 0 23

1999 CT Committee on Training and Employment, Inc. (CTE, Inc.) 0 25 53 0 78

Appendix K




Appendix K



Grant


100%

100% to

150%

151% to

200%

Above

200% Total

2002 GA Economic Opportunity for Savannah Chatham County Area 7 20 9 0 36

2004 GA Economic Opportunity for Savannah Chatham County Area 6 11 11 0 28

2003 GA New Birth Missionary Baptist Church 0 0 0 0 0

2000 GA United Way of Metropolitan Atlanta 32 43 231 0 306

2001 GA United Way of Metropolitan Atlanta 0 0 117 77 194

1999 HI ALU LIKE, Inc. 0 0 408 0 408



2004 HI ALU LIKE, Inc. 0 0 0 0 01999 HI Hawaii Alliance for Community Based Economic Development

115 25 36 0 76

2003 HI Pacific Gateway Center 14 4 0 0 18

1999 IA Institute for Social & Economic Development 203 146 104 67 520

2002 IA Institute for Social & Economic Development 69 27 12 15 123

2000 IL Bethel New Life, Inc. 21 21 10 13 65

2003 IL Fellowship Missionary Baptist Church 0 0 0 0 0

2003 IL Goodcity NFP 0 7 0 0 7

2004 IL Goodcity NFP 0 0 33 0 33

2000 IL Illinois Community Action Association 88 79 70 0 2372002 IL Illinois Community Action Association 23 41 27 0 91

2003 IL Neighborhood Housing Development 0 0 0 0 0

2002 IL Partnership Accounts for Individual Development 22 13 5 0 40

2004 IL South Side Community Federal Credit Union 0 0 0 0 0

2000 IL Steans Family Foundation 165 0 0 0 165

2002 IL Steans Family Foundation 101 0 0 0 101

1999 IL Women's Self-Employment Project 134 216 116 31 497

2003 IN Community Centers of Indianapolis 0 0 39 0 391999 KS The Family Conservancy, Inc. 0 0 0 0 0

2001 KS The Family Conservancy, Inc. 0 0 0 0 0

2004 KS The Family Conservancy, Inc. 0 0 0 0 0

2004 KY Kentucky Domestic Violence Association 40 17 0 0 57


0 25 0 0 25

Appendix K


Appendix K



Grant


100%

100% to

150%

151% to

200%

Above

200% Total

2001 KY Owsley County Action Team Incorporated 0 12 0 0 12

1999 KY The Center for Women and Families 56 30 11 0 97



2000 LA Administrators of the Tulane Education Fund 20 54 36 4 114

2001 LA Administrators of the Tulane Education Fund 43 54 44 0 141



2001 LA Caleb Community Development Corporation 0 12 0 0 122002 LA Caleb Community Development Corporation 0 0 0 0 0

2001 LA Northeast Louisiana Delta Community Development Corp. 0 0 1 0 1

2003 LA Total Community Action, Inc. 0 0 6 75 81

2004 LA Total Community Action, Inc. 0 0 0 0 0

1999 MA Allston Brighton Community Development Corporation 8 63 20 5 96




2002 MA Community Service Network, Inc. 0 3 16 0 192004 MA Community Service Network, Inc. 0 0 0 0 0

2000 MA Employment Resources Inc 0 14 0 0 14

2001 MA International Institute of Boston 5 2 5 0 12

2002 MA Montachusett Opportunity Council, Inc. 51 17 6 0 74

2001 MA Organization for a New Equality, Inc. 0 3 2 5 10

2004 MA Springfield Partners for Community Action, Inc. 0 0 17 0 17

2002 MA YouthBuild USA 14 7 1 0 22

2004 MA YouthBuild USA 0 0 0 0 0

2003 MD Allegany County Human Resources 7 14 23 0 44

1999 MD Southern Maryland Tri-County Community Action Committee 0 78 42 31 151

1999 ME Coastal Enterprises, Inc. 0 0 0 0 0

2001 ME Coastal Enterprises, Inc. 0 0 0 0 0

1999 ME Penquis Community Action Program 15 81 55 0 151

Appendix K


Appendix K



Grant

Year State Agency Name

Less than

100%

100% to

150%

151% to

200%

Above

200% Total



2001 MI City Vision, Inc. 0 0 447 0 447

2001 MI Community Action Agency 0 0 0 0 0

1999 MI FiveCAP, Inc. 0 0 121 0 121

2004 MI Legal Services of Eastern Michigan 20 18 19 0 57



1999 MI Michigan Neighborhood Partnership 0 0 0 0 02001 MI Michigan Neighborhood Partnership 0 0 0 0 0

2004 MI Michigan State University 1 1 0 0 2

2002 MI Northwest Michigan Human Services Agency 14 23 11 0 48

2003 MI Northwest Michigan Human Services Agency 9 11 3 0 23

2001 MI Oakland Livingston Human Services Agency 0 0 0 0 0

2001 MI United Way for Southeastern Michigan 230 0 0 0 230

2003 MI United Way for Southeastern Michigan 0 0 0 0 0

2004 MN Lutheran Social Service of Minnesota 2 4 6 0 12

1999 MN Ramsey Action Programs, Inc.1 329 307 112 0 7482003 MN West Central Minnesota Communities Action, Inc. 7 103 313 178 601

2004 MN West Central Minnesota Communities Action, Inc. 0 0 0 0 0

2002 MO Great Rivers Community Trust 70 54 36 0 160

2001 MO Missouri Association for Community Action 0 0 164 0 164

2002 MO Opportunities Industrialization Center of the Midwest 17 28 105 40 190

2004 MO Opportunities Industrialization Center of the Midwest 0 0 12 0 12

2000 MO People's Community Development Corporation 0 0 0 0 0

2002 MO People's Community Development Corporation 0 0 0 0 0

2001 MO Redevelopment Opportunities for Women, Inc. 0 4 6 0 10

2002 MO Redevelopment Opportunities for Women, Inc. 1 0 2 0 3

2001 MO The Learning Exchange, Inc. 37 0 0 0 37

2002 MO United Way of Greater St. Louis, Inc. 63 54 23 0 140


90 47 153 0 290

Appendix K


Appendix K



Grant


Less than

100%

100% to

150%

151% to

200%

Above

200% Total

2003 MS AJFC Community Action Agency, Inc. 75 9 0 0 84

2001 MS Jackson County Civic Action Committee, Inc. 0 0 10 0 10

2002 MT District 7 Human Resources Development Council 0 20 30 2 52

2004 MT Poverello Center, Inc. 0 1 0 0 1

1999 NC North Carolina Department of Labor 17 81 608 54 760

2001 NC North Carolina Department of Labor 26 57 614 174 871



2001 NC United Way of Forsyth County 4 220 23 25 2722004 NC United Way of Forsyth County 0 0 0 0 0

2001 NC Western Carolina Community Action, Inc. 6 6 5 0 17

2003 NC Western Carolina Community Action, Inc. 0 5 7 0 12

2002 ND Southeastern North Dakota Community Action Agency 3 11 3 1 18

2003 ND Southeastern North Dakota Community Action Agency 2 6 0 0 8

2004 NE Family Housing Advisory Services, Inc. 0 0 5 0 5

2001 NE New Community Development Corporation 0 0 0 0 0

2001 NH New Hampshire Community Loan Fund 0 0 0 0 0

2003 NH New Hampshire Community Loan Fund 0 0 0 0 02001 NJ Camden County Council On Economic Opportunity, Inc. 0 9 149 0 158

2002 NJ Camden County Council On Economic Opportunity, Inc. 0 0 43 0 43

2004 NJ Camden County Council On Economic Opportunity, Inc. 0 0 0 0 0

2001 NJ New Jersey Department of Community Affairs 34 25 57 0 116

2004 NM New Mexico Association of Community Action Agencies 0 4 2 0 6

2001 NM Northwest New Mexico Community Development Corporation 148 22 17 0 187

2004 NM Women's Economic Self-Sufficiency Team (WESST corp.) 11 3 1 0 15

1999 NV Community Services Agency Development Corporation 0 0 32 0 32

2003 NV Community Services Agency Development Corporation 0 0 69 0 69

1999 NV Economic Opportunity Board of Clark County1

15 14 23 0 52

2001 NY Action For a Better Community, Inc. 1 5 9 0 15

1999 NY Affordable Housing Partnership of Albany County, Inc. 16 9 14 5 44

2001 NY Alternatives Federal Credit Union 20 39 12 0 71

Appendix K


Appendix K



Grant


Less than

100%

100% to

150%

151% to

200%

Above

200% Total

2002 NY Alternatives Federal Credit Union 17 29 12 0 58

2001 NY Community Action of Greene County, Inc. 0 0 1 1 2

2001 NY Community Development Corporation of Long Island, Inc. 0 0 0 0 0

2001 NY Fifth Avenue Committee 0 9 32 0 41

2004 NY Fifth Avenue Committee 0 0 0 0 0

2004 NY FoodChange 2 2 0 0 4



2002 NY Local Development Corporation of East New York 8 6 0 0 142001 NY Lower Eastside People's Federal Credit Union 0 0 28 0 28

1999 NY Mount Hope Housing Company, Inc. 0 0 101 0 101



2000 NY Non-Profit Assistance Corporation 111 85 81 0 277

2001 NY Westchester Housing Fund 10 10 7 0 27

2003 NY Westchester Housing Fund 0 0 0 0 0

2001 NY YWCA of Rochester and Monroe County 5 4 42 0 51

2004 OH Economic and Community Development Institute (ECDI) 113 57 4 0 1741999 OH Ohio Community Development Association 25 50 59 3 137

2002 OH Ohio Community Development Corporations Association 40 73 152 0 265

2001 OH Stark County Out of Poverty Partnership, Inc 1 3 3 0 7

2000 OH Working for Empowerment through Community (WECO) 26 98 53 0 177

2000 OK Community Action Agency of Oklahoma City 19 10 5 0 34



1999 OKLittle Dixie Community Action Agency, Inc.

114 0 0 0 14

2001 OR Community And Shelter Assistance Corporation 0 0 0 99 99




1999 OR Portland Housing Center, Inc. 16 30 30 0 76

Appendix K


Appendix K



Grant


Less than

100%

100% to

150%

151% to

200%

Above

200% Total

2004 PA PA Department of Community & Economic Development 0 0 0 0 0

2002 PA People For People, Inc. 0 0 0 0 0

2002 PA United Way of Southeastern Pennsylvania 3 22 60 0 85


0 0 0 0 0

2000 SC South Carolina Association of Community Development Corporations 0 0 0 0 0

2001 SC Urban League of the Upstate, Inc. 0 0 0 120 120



2001 SD The Lakota Fund 6 7 4 0 172003 TN Advance Memphis 0 0 0 0 0

2002 TN Oasis Center 0 0 0 0 0

2003 TN Upper Cumberland Human Resources 14 9 15 0 38

2000 TN Upper East Tennessee Human Development Agency, Inc. 22 20 10 0 52

2002 TN Upper East Tennessee Human Development Agency, Inc. 9 11 7 0 27

2001 TX Catholic Family Service, Inc. 1 0 0 0 1

2000 TX City of San Antonio 84 41 4 0 129

2001 TX City of San Antonio 214 255 90 0 559

2004 TX City of San Antonio 0 0 1 0 12002 TX Community Action Council of South Texas 0 0 0 0 0

2004 TX Community Action Program, Inc. of Taylor County 0 15 20 0 35

2004 TX Covenant Community Capital Corporation 35 17 16 0 68

2001 TX El Paso Collaborative for Community & Economic Development 167 57 27 0 251

2002 TX El Paso County 0 0 0 0 0

1999 TX Foundation Communities 0 0 0 0 0



2004 TX Goodwill Industries of San Antonio 0 0 0 0 0

2000 TX Gulf Coast Community Services Association 0 0 0 0 0

2003 TX Housing Services of Texas 0 12 14 0 26

2004 TX Multicultural Community Development Corporation (MCDC) 12 0 0 0 12

2001 TX Student Alternatives Program, Inc. 10 5 5 0 20

Appendix K


Appendix K



Grant


Less than

100%

100% to

150%

151% to

200%

Above

200% Total

2001 TX United Community Centers, Inc. 13 0 0 0 13

2000 TX United Way of the Texas Gulf Coast 93 92 117 0 302

2004 UT Utah Issues Center for Poverty Research and Action 11 23 13 0 47

2001 VA New Enterprises Fund, Inc. 8 8 10 7 33

2002 VA New Enterprises Fund, Inc. 15 12 14 13 54

2002 VA New Visions, New Ventures, Inc. 7 0 0 0 7

2004 VA New Visions, New Ventures, Inc. 4 2 6 0 12



1999 VA People Incorporated of Southwest Virginia 28 9 7 4 48

2002 VA Total Action Against Poverty in Roanoke Valley 9 36 26 0 71

1999 VT Central Vermont Community Action Council, Inc. 0 0 0 0 0




2002 WA Spokane Neighborhood Action Programs 0 0 0 0 0

2003 WA Spokane Neighborhood Action Programs 0 0 0 0 0

2004 WA Spokane Neighborhood Action Programs 0 0 0 0 02001 WA United Way of King County 162 0 0 0 162

2002 WA United Way of King County 92 0 0 0 92



2003 WI Boys & Girls Club of Greater Milwaukee 0 0 0 0 0

2000 WI CAP Services, Inc. 63 65 67 0 195

2001 WI CAP Services, Inc. 43 87 122 0 252

2001 WI Catholic Charities of the Diocese of La Crosse, Inc. 33 22 0 0 55

2004 WI Lao Family Community, Inc. 0 0 0 0 0

2001 WI Wisconsin Community Action Program Association, Inc. 0 0 0 0 0

1999 WI Wisconsin Community Action Program Association, Inc. (WISCAP) 0 0 0 0 0

1999 WI Wisconsin Women's Business Initiative1

0 0 89 0 89

2001 WI Wisconsin Women's Business Initiative 0 0 142 2 144

Appendix K


Appendix K



Grant


Less than

100%

100% to

150%

151% to

200%

Above

200% Total

2003 WI Wisconsin Women's Business Initiative 0 0 22 0 22

2004 WI YWCA of Greater Milwaukee 0 0 0 0 0

Percentage 27% 25% 40% 8% 100%



Appendix K


Appendix L

Areas of Residence of Accountholders


Grant


Major Area

(>1,000,000)

Minor Area

(<1,000,000)

Rural or

Remote Area Total

2003 AK Cook Inlet Tribal Council, Inc. 0 67 0 67

2004 AL Family Services Center 0 11 3 14

2002 AL Tuscaloosa Housing Authority 0 17 0 17

2004 AR Crowley's Ridge Development Council, Inc 0 8 0 8




AR S h A k C i D l







2004 AZ Chicanos Por La Causa Tucson (CPLC Tucson) 0 0 0 0



2001 AZ Mesa Community Action Network, Inc. 75 17 3 95

2003 AZ Mesa Community Action Network, Inc. 26 19 99 1442004 AZ Mesa Community Action Network, Inc. 0 0 0 0

2004 AZ South Eastern Arizona Community Action Program, Inc. 0 0 0 0

2003 CA Alliance for African Assistance 0 0 0 0




2004 CA Cabrillo Economic Development Corporation 0 0 0 0

2001 CA City of Los Angeles 281 0 0 281

2001 CA Community Action Commission of Santa Barbara County 0 5 0 52002 CA Community Action Commission of Santa Barbara County 0 19 0 19




Appendix L

Areas of Residence of Accountholders ¹ Administered an AFI grant that concluded at the end of FY 2004 Page 1 of 11

Appendix L



Grant


Major Area

(>1,000,000)

Minor Area

(<1,000,000)

Rural or

Remote Area Total


2004 CA Community Housing Development Corporation 0 0 0 0






2002 CA F C t E i O t iti C i i 0 0 0 0




2002 CA Jefferson Economic Development Institute 0 0 45 45

2003 CA Lenders for Community Development 44 0 0 44





1999 CA Peninsula Community Foundation 90 100 0 190

1999 CA Riverside County Community Action Agency 0 135 84 2192001 CA Riverside County Community Action Agency 0 102 26 128

2003 CA Riverside County Community Action Agency 0 15 2 17

2001 CA United Way, Inc. 278 0 0 278

2002 CA United Way, Inc. 532 0 100 632

2004 CA United Way, Inc. 109 0 4 113




218 39 3 260

2001 CO Mile High United Way 278 0 6 284

2002 CO Mile High United Way 0 0 0 0

2004 CO Pikes Peak Community Action Agency, Inc. 0 22 1 23

1999 CT Committee for Training and Education, Inc. (CTE, Inc.)S 60 0 18 78

2001 CT Committee on Training and Employment, Inc. (CTE, Inc.) 33 0 9 42

Appendix L


Appendix L



Grant


Major Area

(>1,000,000)

Minor Area

(<1,000,000)

Rural or

Remote Area Total








2003 CT Co Opportunity Inc 0 3 0 3



2003 CT Co-Opportunity. Inc. 0 3 0 3

2004 CT Empower New Haven, Inc. 0 0 0 0

2000 CT Family Services Woodfield, Inc. 0 50 0 50

2002 DC 2nd District Religious, Educational Charitable Development Project 0 0 0 0

2003 DC Assemblies of God Financial Services 0 14 1 15



2004 DC District of Columbia, Department of Mental health 0 0 0 0

2004 DC National Cooperative Bank Development Corporation 0 0 0 02001 DE First State Community Loan Fund 0 389 89 478

2004 DE First State Community Loan Fund 0 123 17 140

2001 FL Aid to Victims of Domestic Abuse, Inc. 0 3 0 3

2004 FL Broward County Board of County Commissioners 0 0 0 0

2003 FL Capital Area Community Action Agency 0 0 0 0

2004 FL Dream Builders of Tallahassee, Inc. 0 0 0 0

2001 FL First Coast Workforce Development, Inc. 5 0 7 12

2002 FL Fresh Ministries, Inc. 77 0 0 77

2003 FL Partners For Self-Employment, Inc. 176 0 0 1762004 FL United Way of Palm Beach County 0 93 29 122

2002 GA Atlanta Cooperative Development Corporation 41 0 0 41

2003 GA Core Neighborhood Revitalization 0 22 0 22


Appendix L


Appendix L



Grant


Major Area

(>1,000,000)

Minor Area

(<1,000,000)

Rural or

Remote Area Total


2003 GA New Birth Missionary Baptist Church 0 0 0 0

2000 GA United Way of Metropolitan Atlanta 297 0 9 306

2001 GA United Way of Metropolitan Atlanta 194 0 0 194

1999 HI ALU LIKE, Inc. 0 286 122 408

2004 HI ALU LIKE, Inc. 0 0 0 0

1999 HI Hawaii Alliance for Community Based Economic Development1

0 62 14 76







2000 IL Bethel New Life, Inc. 64 0 1 65

2003 IL Fellowship Missionary Baptist Church 0 0 0 0




2002 IL Illinois Community Action Association 13 61 17 912003 IL Neighborhood Housing Development 0 0 0 0

2002 IL Partnership Accounts for Individual Development 0 39 1 40

2004 IL South Side Community Federal Credit Union 0 0 0 0

2000 IL Steans Family Foundation 165 0 0 165

2002 IL Steans Family Foundation 101 0 0 101

1999 IL Women's Self-Employment Project 383 114 0 497

2003 IN Community Centers of Indianapolis 39 0 0 39




2004 KY Kentucky Domestic Violence Association 0 7 50 57


0 13 12 25

2001 KY Owsley County Action Team Incorporated 0 0 12 12

Appendix L


Appendix L



Grant


Major Area

(>1,000,000)

Minor Area

(<1,000,000)

Rural or

Remote Area Total








2001 LA Northeast Louisiana Delta Community Development Corp 0 0 1 1



2001 LA Northeast Louisiana Delta Community Development Corp. 0 0 1 1








2004 MA Community Service Network, Inc. 0 0 0 02000 MA Employment Resources Inc 0 14 0 14

2001 MA International Institute of Boston 11 1 0 12

2002 MA Montachusett Opportunity Council, Inc. 0 32 42 74

2001 MA Organization for a New Equality, Inc. 10 0 0 10

2004 MA Springfield Partners for Community Action, Inc. 0 17 0 17

2002 MA YouthBuild USA 15 7 0 22

2004 MA YouthBuild USA 0 0 0 0

2003 MD Allegany County Human Resources 0 0 0 0

1999 MD Southern Maryland Tri-County Community Action Committee 0 0 151 1511999 ME Coastal Enterprises, Inc. 0 123 58 181




Appendix L




Appendix L



Grant


Major Area

(>1,000,000)

Minor Area

(<1,000,000)

Rural or

Remote Area Total

2001 MS Jackson County Civic Action Committee, Inc. 0 0 10 10

2002 MT District 7 Human Resources Development Council 0 33 19 52

2004 MT Poverello Center, Inc. 0 1 0 1

1999 NC North Carolina Department of Labor 201 347 212 760

2001 NC North Carolina Department of Labor 37 512 322 871






y




2004 NE Family Housing Advisory Services, Inc. 5 0 0 5

2001 NE New Community Development Corporation 0 0 0 0



2001 NJ Camden County Council On Economic Opportunity, Inc. 149 4 2 1552002 NJ Camden County Council On Economic Opportunity, Inc. 29 10 4 43


2001 NJ New Jersey Department of Community Affairs 30 7 79 116

2004 NM New Mexico Association of Community Action Agencies 0 1 5 6

2001 NM Northwest New Mexico Community Development Corporation 0 0 187 187

2004 NM Women's Economic Self-Sufficiency Team (WESST corp.) 0 15 0 15



1999 NV Economic Opportunity Board of Clark County1 52 0 0 522001 NY Action For a Better Community, Inc. 0 15 0 15

1999 NY Affordable Housing Partnership of Albany County, Inc. 0 37 7 44



Appendix L


Appendix L



Grant


Major Area

(>1,000,000)

Minor Area

(<1,000,000)

Rural or

Remote Area Total

2001 NY Community Action of Greene County, Inc. 0 0 2 2

2001 NY Community Development Corporation of Long Island, Inc. 25 0 0 25



2004 NY FoodChange 4 0 0 4

2002 NY Local Development Corporation of East New York 18 0 0 18

2001 NY Lower Eastside People's Federal Credit Union 28 0 0 28






2000 NY Non-Profit Assistance Corporation 323 0 0 323



2001 NY YWCA of Rochester and Monroe County 0 48 3 51

2004 OH Economic and Community Development Institute (ECDI) 0 174 0 174

1999 OH Ohio Community Development Association 7 120 43 1702002 OH Ohio Community Development Corporations Association 58 66 141 265

2001 OH Stark County Out of Poverty Partnership, Inc 0 4 3 7

2000 OH Working for Empowerment through Community (WECO) 177 0 0 177





0 0 14 14


2002 OR Community And Shelter Assistance Corporation 0 149 27 1762003 OR Community And Shelter Assistance Corporation 0 16 3 19


1999 OR Portland Housing Center, Inc. 0 75 1 76

2004 PA PA Department of Community & Economic Development 0 0 0 0

Appendix L


Appendix L



Grant


Major Area

(>1,000,000)

Minor Area

(<1,000,000)

Rural or

Remote AreaTotal

2002 PA People For People, Inc. 0 0 0 0

2002 PA United Way of Southeastern Pennsylvania 85 0 0 85


108 0 0 108

2000 SC South Carolina Association of Community Development Corporations 0 154 338 492

2001 SC Urban League of the Upstate, Inc. 0 120 0 120

2001 SD The Lakota Fund 0 0 17 17

2003 TN Advance Memphis 12 0 0 12

2002 TN Oasis Center 0 56 0 56



2003 TN Upper Cumberland Human Resources 0 0 38 38



2001 TX Catholic Family Service, Inc. 0 1 0 1




2002 TX Community Action Council of South Texas 0 0 41 412004 TX Community Action Program, Inc. of Taylor County 0 0 35 35

2004 TX Covenant Community Capital Corporation 68 0 0 68

2001 TX El Paso Collaborative for Community & Economic Development 0 251 0 251

2002 TX El Paso County 0 17 0 17




2004 TX Goodwill Industries of San Antonio 53 0 3 56

2000 TX Gulf Coast Community Services Association 0 0 0 02003 TX Housing Services of Texas 25 1 0 26

2004 TX Multicultural Community Development Corporation (MCDC) 12 0 0 12

2001 TX Student Alternatives Program, Inc. 5 15 0 20

2001 TX United Community Centers, Inc. 12 0 1 13

Appendix L




Appendix L



Grant


Major Area

(>1,000,000)

Minor Area

(<1,000,000)

Rural or

Remote AreaTotal

2004 WI YWCA of Greater Milwaukee 0 0 0 0

Percentage 43.0% 37.5% 19.5% 100.0%



Appendix L




Appendix M

Educational Status of Accountholders


Grant


0-4

Years

5-8

Years

9-11

Years HS Diploma

Vocational

School

Diploma/

Degree Some C ollege

AA

Degree BA/BS Degree

Some

Graduate

School

Graduate

Degree

(MA/MS+)

Un-

known Total

2002 VA New Enterprises Fund, Inc. 0 0 0 0 0 0 0 0 0 0 0 0

2002 VA New Visions, New Ventures, Inc. 0 0 0 0 4 2 0 0 0 0 1 7

2004 VA New Visions, New Ventures, Inc. 0 0 1 2 0 7 1 1 0 0 0 12

1999 VA People Incorporated of Southwest Virginia 0 1 6 14 0 17 2 7 1 0 0 48

2002 VA Total Action Against Poverty in Roanoke Valley 0 0 9 27 0 22 7 5 0 1 0 71

1999 VT Central Vermont Community Action Council, Inc. 1 3 16 38 0 72 12 37 20 0 3 202




2002 WA Spokane Neighborhood Action Programs 0 0 1 3 0 12 0 7 0 0 0 23



2001 WA United Way of King County 0 0 20 42 0 0 37 20 0 7 36 162






2003 WI Boys & Girls Club of Greater Milwaukee 0 0 3 4 0 27 2 7 2 1 5 51

2000 WI CAP Services, Inc. 1 1 13 91 51 25 10 2 1 0 0 195

2001 WI CAP Services, Inc. 3 5 11 109 12 97 9 6 0 0 0 252

2001 WI Catholic Charities of the Diocese of La Crosse, Inc. 0 0 6 15 0 18 5 3 0 0 8 55

2004 WI Lao Family Community, Inc. 0 0 0 0 0 0 0 0 0 0 0 0

2001 WI Wisconsin Community Action Program Association, Inc. 0 0 0 0 0 0 0 0 0 0 0 0

1999 WI Wisconsin Community Action Program Association, Inc. (WISCAP) 0 0 0 0 0 0 0 0 0 0 0 0

1999 WI Wisconsin Women's Business Initiative ¹ 0 0 8 20 0 39 9 7 6 0 0 89

2001 WI Wisconsin Women's Business Initiative 0 1 18 25 0 64 18 12 6 0 0 144

2003 WI Wisconsin Women's Business Initiative 0 0 1 6 0 14 0 1 0 0 0 22

2004 WI YWCA of Greater Milwaukee 0 0 0 0 0 0 0 0 0 0 0 0

Average 2% 3% 9% 29% 3% 29% 8% 10% 3% 0% 4% 100%

Appendix M

Educational Status of Accountholders ¹ Administered an AFI grant that concluded at the end of FY 2004 Page 7 of 7

Appendix N

Age of Accountholders


Grant


Under 19 20 to 29 30 to 39 40 to 49

50 or

Older

Un-

known Total2003 AK Cook Inlet Tribal Council, Inc. 1 35 19 8 4 0 67

2004 AL Family Services Center 0 1 4 5 2 2 14

2002 AL Tuscaloosa Housing Authority 0 3 7 5 2 0 17

2004 AR Crowley's Ridge Development Council, Inc 0 3 3 2 0 0 8

2001 AR EOA Washington County 2 2 2 3 1 0 10



2002 AR South Arkansas Community Development 0 7 13 4 6 1 31

2003 AR South Arkansas Community Development 0 1 0 0 0 0 1

2000 AR Southern Good Faith Fund 1 72 36 37 16 6 1682002 AR Southern Good Faith Fund 12 49 23 27 17 0 128

2004 AZ Chicanos Por La Causa Tucson (CPLC Tucson) 0 0 0 0 0 0 0



2004 AZ Chicanos Por La Causa Tucson (CPLC Tucson) 0 0 0 0 0 0 0

2001 AZ City of Tucson Community Services Department 1 13 21 8 1 3 47

2002 AZ City of Tucson Community Services Department 1 30 31 14 3 2 81

2001 AZ Mesa Community Action Network, Inc. 0 19 19 13 5 29 85



2004 AZ South Eastern Arizona Community Action Program, Inc. 0 0 0 0 0 0 0

2003 CA Alliance for African Assistance 0 0 0 0 0 0 02001 CA AnewAmerica Community Corporation 0 9 12 27 5 16 69

2002 CA AnewAmerica Community Corporation 0 3 6 3 1 0 13

2004 CA AnewAmerica Community Corporation 0 0 0 0 0 0 0

2004 CA Cabrillo Economic Development Corporation 0 0 0 0 0 0 0

2001 CA City of Los Angeles 0 62 94 84 40 1 281

2001 CA Community Action Commission of Santa Barbara County 0 0 0 0 0 0 0



2000 CA Community Action Partnership of Sonoma County 1 4 10 7 2 3 27

2001 CA Community Action Partnership of Sonoma County 0 0 1 1 0 1 32003 CA Community Action Partnership of Sonoma County 0 0 0 0 0 0 0

2004 CA Community Housing Development Corporation 0 0 0 0 0 0 0

2003 CA Earned Assets Resource Network (EARN) 50 258 184 114 70 0 676

2004 CA Earned Assets Resource Network (EARN) 25 34 27 18 7 0 111

Appendix N

Age of Accountholders ¹ Administered an AFI grant that concluded at the end of FY 2004 Page 1 of 9

Appendix N



Grant


Under 19 20 to 29 30 to 39 40 to 49

50 or

Older

Un-

known Total1999 CA East Bay Asian Local Development Corporation 11 80 91 73 21 5 281

2002 CA East Bay Asian Local Development Corporation 0 10 12 8 1 0 31

1999 CA Fresno County Economic Opportunities Commission 4 23 25 10 8 0 70

2002 CA Fresno County Economic Opportunities Commission 0 0 0 0 0 0 0

2002 CA Jefferson Economic Development Institute 0 3 9 12 19 2 45

2003 CA Lenders for Community Development 3 19 5 15 2 0 44

1999 CA Mercy Housing California 1 20 41 22 3 1 88

2001 CA Mercy Housing California 0 6 18 10 1 0 35

2001 CA Northeast Community Federal Credit Union 0 1 2 6 0 2 11

2002 CA Northeast Community Federal Credit Union 0 2 2 4 4 0 121999 CA Peninsula Community Foundation 1 102 10 13 13 51 190

1999 CA Riverside County Community Action Agency 0 55 82 70 10 2 219






2001 CA United Way, Inc. 1 48 88 87 54 0 278

2002 CA United Way, Inc. 0 108 198 223 97 6 632

2004 CA United Way, Inc. 0 6 32 41 30 4 113

2000 CA West Enterprise Center 0 2 8 18 16 0 44

2003 CA West Enterprise Center 0 1 2 1 6 0 101999 CO Mile High United Way

14 69 97 62 28 0 260

2001 CO Mile High United Way 1 70 106 78 29 0 284

2002 CO Mile High United Way 0 0 0 0 0 0 0

2004 CO Pikes Peak Community Action Agency, Inc. 0 4 12 5 2 0 23

1999 CT Committee on Training and Employment, Inc., (CTE, Inc.) 0 12 30 33 3 0 78

2001 CT Committee on Training and Employment, Inc. (CTE, Inc.) 0 6 24 12 0 0 42

2000 CT Connecticut Department of Labor 0 41 110 62 24 0 237



2004 CT Connecticut Department of Labor 0 3 6 4 0 0 132001 CT Co-Opportunity, Inc. 0 11 20 11 2 0 44

2002 CT Co-Opportunity, Inc. 0 8 12 8 0 0 28



Appendix N


Appendix N



Grant


Under 19 20 to 29 30 to 39 40 to 49

50 or

Older

Un-

known Total2004 CT Empower New Haven, Inc. 0 0 0 0 0 0 0

2000 CT Family Services Woodfield, Inc. 13 17 11 9 0 0 50

2002 DC 2nd District Religious, Educational Charitable Development Project 0 0 0 0 0 0 0

2003 DC Assemblies of God Financial Services 0 13 2 0 0 0 15

1999 DC Capital Area Asset Building Corporation 30 79 64 69 34 0 276

2002 DC Capital Area Asset Building Corporation 0 0 0 0 0 0 0

2004 DC District of Columbia, Department of Mental health 0 0 0 0 0 0 0

2004 DC National Cooperative Bank Development Corporation 0 0 0 0 0 0 0

2001 DE First State Community Loan Fund 3 138 207 94 32 4 478

2004 DE First State Community Loan Fund 0 42 57 30 6 6 1412001 FL Aid to Victims of Domestic Abuse, Inc. 0 1 2 0 0 0 3

2004 FL Broward County Board of County Commissioners 0 0 0 0 0 0 0



00 o a d Cou ty oa d o Cou ty Co ss o e s 0 0 0 0 0 0 0

2003 FL Capital Area Community Action Agency 0 0 0 0 0 0 0

2004 FL Dream Builders of Tallahassee, Inc. 0 0 0 0 0 0 0

2001 FL First Coast Workforce Development, Inc. 12 0 0 0 0 0 12

2002 FL Fresh Ministries, Inc. 2 13 35 19 8 0 77

2003 FL Partners For Self-Employment, Inc. 0 40 55 56 23 2 176

2004 FL United Way of Palm Beach County 0 0 0 0 0 0 0

2002 GA Atlanta Cooperative Development Corporation 0 9 13 17 4 0 432003 GA Core Neighborhood Revitalization 0 18 3 1 0 0 22

2002 GA Economic Opportunity for Savannah Chatham County Area 5 5 10 9 4 3 36

2004 GA Economic Opportunity for Savannah Chatham County Area 0 3 10 13 2 0 28

2003 GA New Birth Missionary Baptist Church 0 0 0 0 0 0 0

2000 GA United Way of Metropolitan Atlanta 0 87 107 94 13 5 306

2001 GA United Way of Metropolitan Atlanta 194 0 0 0 0 0 194

1999 HI ALU LIKE, Inc. 45 96 99 90 78 0 408

2004 HI ALU LIKE, Inc. 0 0 0 0 0 0 0

1999 HI Hawaii Alliance for Community Based Economic Development1

7 12 23 22 12 0 76

2003 HI Pacific Gateway Center 0 0 5 7 6 0 181999 IA Institute for Social & Economic Development 34 176 175 107 28 0 520

2002 IA Institute for Social & Economic Development 18 69 118 43 15 2 265

2000 IL Bethel New Life, Inc. 1 11 22 22 7 2 65

2003 IL Fellowship Missionary Baptist Church 0 0 0 0 0 0 0

Appendix N


Appendix N



Grant


Under 19 20 to 29 30 to 39 40 to 49

50 or

Older

Un-

known Total2003 IL Goodcity NFP 0 0 0 4 3 0 7

2004 IL Goodcity NFP 0 3 5 8 17 0 33

2000 IL Illinois Community Action Association 9 50 96 65 8 9 237

2002 IL Illinois Community Action Association 1 29 41 14 2 4 91

2003 IL Neighborhood Housing Development 0 0 0 0 0 0 0

2002 IL Partnership Accounts for Individual Development 0 8 22 9 1 0 40

2004 IL South Side Community Federal Credit Union 0 0 0 0 0 0 0

2000 IL Steans Family Foundation 5 47 72 27 14 0 165

2002 IL Steans Family Foundation 14 45 39 3 0 0 101

1999 IL Women's Self-Employment Project 1 50 184 154 108 0 4972003 IN Community Centers of Indianapolis 3 12 14 6 4 0 39

1999 KS The Family Conservancy, Inc. 20 126 107 92 34 0 379



y y



2004 KY Kentucky Domestic Violence Association 2 23 26 1 5 0 57


0 1 9 12 3 0 25

2001 KY Owsley County Action Team Incorporated 12 0 0 0 0 0 12

1999 KY The Center for Women and Families 1 48 29 15 4 0 97

2001 KY The Center for Women and Families 2 21 38 18 5 0 842002 KY The Center for Women and Families 1 27 32 19 6 0 85

2000 LA Administrators of the Tulane Education Fund 0 22 42 29 21 0 114

2001 LA Administrators of the Tulane Education Fund 22 33 52 36 17 7 167

2001 LA Caleb Community Development Corporation 0 7 4 1 0 0 12

2002 LA Caleb Community Development Corporation 0 0 0 0 0 0 0

2001 LA Northeast Louisiana Delta Community Development Corp. 0 0 1 0 0 0 1

2003 LA Total Community Action, Inc. 0 24 28 19 10 0 81

2004 LA Total Community Action, Inc. 0 0 0 0 0 0 0

1999 MA Allston Brighton Community Development Corporation 11 1 21 9 2 52 96

2001 MA Allston Brighton Community Development Corporation 0 0 0 0 0 0 02002 MA Allston Brighton Community Development Corporation 0 0 0 0 0 0 0

2003 MA Allston Brighton Community Development Corporation 0 0 0 0 0 0 0

2002 MA Community Service Network, Inc. 0 3 6 9 1 0 19

2004 MA Community Service Network, Inc. 0 0 0 0 0 0 0

Appendix N


Appendix N



Grant


Under 19 20 to 29 30 to 39 40 to 49

50 or

Older

Un-

known Total2000 MA Employment Resources Inc 0 3 3 4 4 0 14

2001 MA International Institute of Boston 1 3 4 1 3 0 12

2002 MA Montachusett Opportunity Council, Inc. 0 19 34 14 3 4 74

2001 MA Organization for a New Equality, Inc. 0 5 3 2 0 0 10

2004 MA Springfield Partners for Community Action, Inc. 0 4 8 5 0 0 17

2002 MA YouthBuild USA 4 18 0 0 0 0 22

2004 MA YouthBuild USA 0 0 0 0 0 0 0

2003 MD Allegany County Human Resources 0 27 9 5 2 1 44

1999 MD Southern Maryland Tri-County Community Action Committee 0 38 92 19 2 0 151

1999 ME Coastal Enterprises, Inc. 2 49 66 43 15 6 1812001 ME Coastal Enterprises, Inc. 0 0 0 0 0 0 0

1999 ME Penquis Community Action Program 0 32 58 45 16 0 151





2001 MI City Vision, Inc. 0 120 196 96 35 0 447

2001 MI Community Action Agency 0 61 95 38 13 0 207

1999 MI FiveCAP, Inc. 3 35 37 32 14 0 121

2004 MI Legal Services of Eastern Michigan 3 14 18 20 2 0 57

1999 MI Michigan Neighborhood Partnership 8 49 122 49 20 0 2482001 MI Michigan Neighborhood Partnership 0 15 7 5 4 0 31

2004 MI Michigan State University 0 0 0 2 0 0 2

2002 MI Northwest Michigan Human Services Agency 0 16 20 10 2 0 48

2003 MI Northwest Michigan Human Services Agency 0 12 6 4 1 0 23

2001 MI Oakland Livingston Human Services Agency 1 48 77 30 8 0 164

2001 MI United Way for Southeastern Michigan 9 61 91 47 22 0 230

2003 MI United Way for Southeastern Michigan 0 0 0 0 0 0 0

2004 MN Lutheran Social Service of Minnesota 0 3 1 6 2 0 12


5 113 284 261 85 0 748

2003 MN West Central Minnesota Communities Action, Inc. 3 214 201 156 53 2 6292004 MN West Central Minnesota Communities Action, Inc. 0 0 0 0 0 0 0

2002 MO Great Rivers Community Trust 0 36 63 43 17 1 160

2001 MO Missouri Association for Community Action 1 53 61 36 11 2 164

2002 MO Opportunities Industrialization Center of the Midwest 3 27 62 62 6 0 160

Appendix N


Appendix N



Grant


Under 19 20 to 29 30 to 39 40 to 49

50 or

Older

Un-

known Total2004 MO Opportunities Industrialization Center of the Midwest 0 4 4 4 0 0 12

2000 MO People's Community Development Corporation 2 32 53 26 13 0 126

2002 MO People's Community Development Corporation 0 7 17 3 3 0 30

2001 MO Redevelopment Opportunities for Women, Inc. 0 0 8 2 0 0 10

2002 MO Redevelopment Opportunities for Women, Inc. 0 0 2 0 1 0 3

2001 MO The Learning Exchange, Inc. 37 0 0 0 0 0 37

2002 MO United Way of Greater St. Louis, Inc. 2 47 49 30 12 0 140


4 100 112 59 17 0 292

2003 MS AJFC Community Action Agency, Inc. 0 0 0 0 0 0 0

2001 MS Jackson County Civic Action Committee, Inc. 0 3 6 1 0 0 102002 MT District 7 Human Resources Development Council 0 16 21 11 4 0 52

2004 MT Poverello Center, Inc. 1 0 0 0 0 0 1



1999 NC North Carolina Department of Labor 5 149 318 248 38 2 760

2001 NC North Carolina Department of Labor 0 237 404 127 56 47 871

2001 NC United Way of Forsyth County 0 54 161 40 17 0 272

2004 NC United Way of Forsyth County 0 0 0 0 0 0 0

2001 NC Western Carolina Community Action, Inc. 1 4 6 6 0 0 17

2003 NC Western Carolina Community Action, Inc. 1 4 5 2 0 0 12

2002 ND Southeastern North Dakota Community Action Agency 0 7 7 2 2 0 182003 ND Southeastern North Dakota Community Action Agency 0 5 1 2 0 0 8

2004 NE Family Housing Advisory Services, Inc. 0 0 1 4 0 0 5

2001 NE New Community Development Corporation 0 0 0 0 0 0 0

2001 NH New Hampshire Community Loan Fund 2 77 169 111 38 0 397

2003 NH New Hampshire Community Loan Fund 6 52 83 55 19 0 215

2001 NJ Camden County Council On Economic Opportunity, Inc. 0 22 69 67 0 0 158



2001 NJ New Jersey Department of Community Affairs 1 25 44 33 13 0 116

2004 NM New Mexico Association of Community Action Agencies 0 1 1 1 3 0 62001 NM Northwest New Mexico Community Development Corporation 4 64 38 31 46 4 187

2004 NM Women's Economic Self-Sufficiency Team (WESST corp.) 0 6 6 3 0 0 15

1999 NV Community Services Agency Development Corporation 0 14 32 25 7 0 78

2003 NV Community Services Agency Development Corporation 1 29 20 14 5 0 69

Appendix N


Appendix N



Grant


Under 19 20 to 29 30 to 39 40 to 49

50 or

Older

Un-

known Total1999 NV Economic Opportunity Board of Clark County1

0 10 20 18 4 0 52

2001 NY Action For a Better Community, Inc. 0 6 4 3 2 0 15

1999 NY Affordable Housing Partnership of Albany County, Inc. 14 4 6 5 6 9 44

2001 NY Alternatives Federal Credit Union 0 30 20 15 6 0 71

2002 NY Alternatives Federal Credit Union 3 26 15 12 1 0 57

2001 NY Community Action of Greene County, Inc. 1 0 0 0 1 0 2

2001 NY Community Development Corporation of Long Island, Inc. 0 0 0 0 0 25 25

2001 NY Fifth Avenue Committee 0 15 13 11 2 0 41

2004 NY Fifth Avenue Committee 0 0 0 0 0 0 0

2004 NY FoodChange 0 0 4 0 0 0 42002 NY Local Development Corporation of East New York 0 0 13 5 0 0 18

2001 NY Lower Eastside People's Federal Credit Union 4 11 9 4 0 0 28

1999 NY M t H H i C I 0 15 51 23 12 0 101



1999 NY Mount Hope Housing Company, Inc. 0 15 51 23 12 0 101



2000 NY Non-Profit Assistance Corporation 8 102 79 77 26 31 323

2001 NY Westchester Housing Fund 0 6 12 6 3 0 27

2003 NY Westchester Housing Fund 0 0 0 0 0 0 0

2001 NY YWCA of Rochester and Monroe County 0 9 28 11 0 3 512004 OH Economic and Community Development Institute (ECDI) 3 53 61 39 18 0 174

1999 OH Ohio Community Development Association 2 73 92 47 18 131 363

2002 OH Ohio Community Development Corporations Association 5 69 100 52 16 23 265

2001 OH Stark County Out of Poverty Partnership, Inc 0 2 3 2 0 0 7

2000 OH Working for Empowerment through Community (WECO) 0 27 61 61 28 0 177

2000 OK Community Action Agency of Oklahoma City 0 10 12 11 1 0 34




2 6 4 2 0 0 14

2001 OR Community And Shelter Assistance Corporation 0 18 31 26 24 0 992002 OR Community And Shelter Assistance Corporation 1 37 64 45 29 0 176

2003 OR Community And Shelter Assistance Corporation 0 7 7 5 0 0 19

2004 OR Community And Shelter Assistance Corporation 0 0 0 0 0 0 0

1999 OR Portland Housing Center, Inc. 0 16 37 19 4 0 76

Appendix N


Appendix N



Grant


Under 19 20 to 29 30 to 39 40 to 49

50 or

Older

Un-

known Total2004 PA PA Department of Community & Economic Development 0 0 0 0 0 0 0

2002 PA People For People, Inc. 0 0 0 0 0 0 0

2002 PA United Way of Southeastern Pennsylvania 3 27 29 16 9 1 85


0 6 52 30 6 14 108

2000 SC South Carolina Association of Community Development Corporations 27 110 136 75 55 92 495

2001 SC Urban League of the Upstate, Inc. 0 41 43 26 10 0 120

2001 SD The Lakota Fund 1 2 10 5 1 0 19

2003 TN Advance Memphis 0 6 5 1 0 0 12

2002 TN Oasis Center 56 0 0 0 0 0 56

2003 TN Upper Cumberland Human Resources 0 19 11 1 7 0 382000 TN Upper East Tennessee Human Development Agency, Inc. 1 19 21 10 1 0 52

2002 TN Upper East Tennessee Human Development Agency, Inc. 2 7 14 3 1 0 27

2001 TX Catholic Family Service Inc 0 0 1 0 0 0 1



2001 TX Catholic Family Service, Inc. 0 0 1 0 0 0 1

2000 TX City of San Antonio 1 46 49 22 11 0 129



2002 TX Community Action Council of South Texas 40 1 0 0 0 0 41

2004 TX Community Action Program, Inc. of Taylor County 2 15 10 7 1 0 35

2004 TX Covenant Community Capital Corporation 0 24 19 16 9 0 682001 TX El Paso Collaborative for Community & Economic Development 1 86 104 60 0 0 251

2002 TX El Paso County 0 6 10 1 0 0 17

1999 TX Foundation Communities 0 0 0 0 0 0 0



2004 TX Goodwill Industries of San Antonio 0 25 16 13 2 0 56

2000 TX Gulf Coast Community Services Association 0 56 50 20 10 0 136

2003 TX Housing Services of Texas 0 7 11 6 2 0 26

2004 TX Multicultural Community Development Corporation (MCDC) 0 2 3 5 2 0 12

2001 TX Student Alternatives Program, Inc. 20 0 0 0 0 0 202001 TX United Community Centers, Inc. 0 5 4 4 0 0 13

2000 TX United Way of the Texas Gulf Coast 0 63 112 85 42 0 302

2004 UT Utah Issues Center for Poverty Research and Action 0 21 14 5 7 0 47

2001 VA New Enterprises Fund, Inc. 0 0 0 0 0 33 33

Appendix N


Appendix N



Grant


Under 19 20 to 29 30 to 39 40 to 49

50 or

Older

Un-

known Total2002 VA New Enterprises Fund, Inc. 0 26 13 10 3 2 54

2002 VA New Visions, New Ventures, Inc. 0 0 4 2 1 0 7

2004 VA New Visions, New Ventures, Inc. 0 1 5 4 2 0 12

1999 VA People Incorporated of Southwest Virginia 0 4 17 22 5 0 48

2002 VA Total Action Against Poverty in Roanoke Valley 0 16 34 12 9 0 71

1999 VT Central Vermont Community Action Council, Inc. 0 24 61 63 54 0 202




2002 WA Spokane Neighborhood Action Programs 1 5 10 6 1 0 232003 WA Spokane Neighborhood Action Programs 0 8 15 12 5 7 47

2004 WA Spokane Neighborhood Action Programs 0 0 0 0 0 0 0

2001 WA United Way of King County 1 24 64 38 34 1 162







2003 WI Boys & Girls Club of Greater Milwaukee 4 29 15 3 0 0 51

2000 WI CAP Services, Inc. 0 36 94 58 7 0 195

2001 WI CAP Services, Inc. 7 76 97 68 4 0 252

2001 WI Catholic Charities of the Diocese of La Crosse, Inc. 0 36 19 0 0 0 55

2004 WI Lao Family Community, Inc. 0 0 0 0 0 0 0

2001 WI Wisconsin Community Action Program Association, Inc. 0 0 0 0 0 0 0

1999 WI Wisconsin Community Action Program Association, Inc. (WISCAP) 1 110 187 148 39 140 625

1999 WI Wisconsin Women's Business Initiative1

0 19 39 26 4 1 89

2001 WI Wisconsin Women's Business Initiative 1 35 60 37 11 0 144

2003 WI Wisconsin Women's Business Initiative 0 3 12 7 0 0 22

2004 WI YWCA of Greater Milwaukee 0 0 0 0 0 0 0

Percentage 3% 26% 35% 23% 9% 3% 100%

Appendix N


Appendix O

Employment Status of Accountholders


Grant


Full Time Part Time

Unem-

ployed Student Retired Other

Un-

known Total

2003 AK Cook Inlet Tribal Council, Inc. 60 4 0 0 0 3 0 672004 AL Family Services Center 9 2 0 2 0 0 1 14

2002 AL Tuscaloosa Housing Authority 17 0 0 0 0 0 0 17

2004 AR Crowley's Ridge Development Council, Inc 3 5 0 0 0 0 0 8








2004 AZ Chicanos Por La Causa Tucson (CPLC Tucson) 0 0 0 0 0 0 0 0









2004 AZ South Eastern Arizona Community Action Program, Inc. 0 0 0 0 0 0 0 0

2003 CA Alliance for African Assistance 5 8 0 0 0 0 0 13




2004 CA Cabrillo Economic Development Corporation 0 0 0 0 0 0 0 0

2001 CA City of Los Angeles 207 50 0 3 0 21 0 281







2004 CA Community Housing Development Corporation 0 0 0 0 0 0 0 0





Appendix OEmployment Status of Accountholders ¹ Administered an AFI grant that concluded at the end of FY 2004 Page 1 of 9



Appendix O



Grant


Full Time Part Time

Unem-


Un-

known Total

1999 DC Capital Area Asset Building Corporation 153 33 4 72 1 4 9 2762002 DC Capital Area Asset Building Corporation 0 0 0 0 0 0 0 0









2001 FL First Coast Workforce Development, Inc. 0 12 0 0 0 0 0 122002 FL Fresh Ministries, Inc. 59 18 0 0 0 0 0 77

2003 FL Partners For Self-Employment, Inc. 0 0 0 0 0 0 0 0

2004 FL United Way of Palm Beach County 62 4 1 0 0 1 54 122



y y








1999 HI ALU LIKE, Inc. 216 133 0 14 27 0 18 408

2004 HI ALU LIKE, Inc. 0 0 0 0 0 0 0 0

1999 HI Hawaii Alliance for Community Based Economic Development¹ 29 22 16 9 0 0 0 76

2003 HI Pacific Gateway Center 18 0 0 0 0 0 0 18





2003 IL Goodcity NFP 3 2 1 1 0 0 0 7

2004 IL Goodcity NFP 30 3 0 0 0 0 0 33



2003 IL Neighborhood Housing Development 0 0 0 0 0 0 0 0

2002 IL Partnership Accounts for Individual Development 26 14 0 0 0 0 0 40


Appendix O



Grant


Full Time Part Time

Unem-


Un-

known Total

2004 IL South Side Community Federal Credit Union 0 0 0 0 0 0 0 02000 IL Steans Family Foundation 108 17 12 11 2 0 15 165








1999 KY Kentucky River Foothills Development Council, Inc.¹ 18 6 0 0 0 0 0 24

2001 KY Owsley County Action Team Incorporated 0 4 0 12 0 0 0 161999 KY The Center for Women and Families 57 40 0 0 0 0 0 97





2000 LA Administrators of the Tulane Education Fund 73 4 0 9 0 9 19 114

2001 LA Administrators of the Tulane Education Fund 116 16 0 3 2 1 9 147





















Appendix O



Grant


Full Time Part Time

Unem-


Un-

known Total

1999 MD Southern Maryland Tri-County Community Action Committee 145 5 0 0 0 1 0 1511999 ME Coastal Enterprises, Inc. 107 42 2 22 0 1 7 181







1999 MI FiveCAP, Inc. 121 0 0 0 0 0 0 121


1999 MI Michigan Neighborhood Partnership 171 50 0 9 0 18 0 2482001 MI Michigan Neighborhood Partnership 22 8 1 0 0 0 0 31










1999 MN Ramsey Action Programs, Inc.¹ 443 199 0 86 0 0 20 748

2003 MN West Central Minnesota Communities Action, Inc. 329 267 21 12 0 0 0 6292004 MN West Central Minnesota Communities Action, Inc. 0 0 0 0 0 0 0 0











1999 MO United Way of Greater St. Louis, Inc.¹ 221 39 0 29 1 1 1 292




Appendix O



Grant


Full Time Part Time

Unem-


Un-

known Total

2002 MT District 7 Human Resources Development Council 27 24 0 0 0 0 1 522004 MT Poverello Center, Inc. 0 0 0 0 0 0 1 1









2004 NE Family Housing Advisory Services, Inc. 5 0 0 0 0 0 0 52001 NE New Community Development Corporation 0 0 0 0 0 0 0 0



2001 NJ C d C t C il O E i O t it I 151 7 0 0 0 0 0 158







2004 NM New Mexico Association of Community Action Agencies 5 1 0 0 0 0 0 6

2001 NM Northwest New Mexico Community Development Corporation 64 45 17 26 4 22 9 187

2004 NM Women's Economic Self-Sufficiency Team (WESST corp.) 4 4 3 1 0 3 0 151999 NV Community Services Agency Development Corporation 48 14 2 11 2 4 2 83


1999 NV Economic Opportunity Board of Clark County¹ 40 0 11 0 0 1 0 52





2001 NY Community Action of Greene County, Inc. 1 0 0 1 0 0 0 2

2001 NY Community Development Corporation of Long Island, Inc. 22 2 1 0 0 0 0 25



2004 NY FoodChange 2 2 0 0 0 0 0 4




Appendix O



Grant


Full Time Part Time

Unem-


Un-

known Total

1999 NY Mount Hope Housing Company, Inc. 80 17 0 0 0 0 4 1012002 NY Mount Hope Housing Company, Inc. 95 27 0 0 0 0 0 122









2001 OH Stark County Out of Poverty Partnership, Inc 5 2 0 0 0 0 0 72000 OH Working for Empowerment through Community (WECO) 103 35 9 13 0 17 0 177







1999 OK Little Dixie Community Action Agency, Inc.¹ 11 3 0 0 0 0 0 14







1999 PA YWCA of Greater Pittsburgh¹ 85 6 1 8 0 0 11 111





2002 TN Oasis Center 0 50 0 6 0 0 0 56


2000 TN Upper East Tennessee Human Development Agency, Inc. 38 12 2 0 0 0 0 522002 TN Upper East Tennessee Human Development Agency, Inc. 20 7 0 0 0 0 0 27





Appendix O



Grant


Full Time Part Time

Unem-


Un-

known Total

2004 TX City of San Antonio 0 0 0 0 0 1 0 12002 TX Community Action Council of South Texas 0 1 0 40 0 0 0 41




2002 TX El Paso County 17 0 0 0 0 0 0 17





2000 TX Gulf Coast Community Services Association 105 26 4 1 0 0 0 1362003 TX Housing Services of Texas 26 0 0 0 0 0 0 26



2001 TX United Community Centers Inc 13 0 0 0 0 0 0 13









2004 VA New Visions, New Ventures, Inc. 9 2 1 0 0 0 0 121999 VA People Incorporated of Southwest Virginia 29 18 1 0 0 0 0 48

2002 VA Total Action Against Poverty in Roanoke Valley 57 10 3 0 1 0 0 71








2001 WA United Way of King County 81 35 19 0 0 17 10 1622002 WA United Way of King County 34 37 6 0 0 15 0 92



2003 WI Boys & Girls Club of Greater Milwaukee 15 13 0 0 0 0 23 51


Appendix O



Grant


Full Time Part Time

Unem-


Un-

known Total

2000 WI CAP Services, Inc. 108 87 0 0 0 0 0 1952001 WI CAP Services, Inc. 121 131 0 0 0 0 0 252





1999 WI Wisconsin Women's Business Initiative¹ 63 19 4 3 0 0 10 99



2004 WI YWCA of Greater Milwaukee 0 0 0 0 0 0 0 0

Percentage 63% 23% 3% 5% 0% 2% 3% 100%



Appendix P

Summary of Reserve Fund and Participant IDAs


Grant

YearState Agency Name Amount in

Reserve Fund

Drawdown of

Federal Funds

Nonfederal Cash

Share

Cumulative

Accountholder

Savings

Cumulative

Number of

Accounts

2003 WI Boys & Girls Club of Greater Milwaukee 478,352.91$ 231,465.00$ 246,887.73$ 22,684.39$ 512000 WI CAP Services, Inc. 209,191.59$ 94,802.92$ 94,802.92$ 148,208.18$ 195

2001 WI CAP Services, Inc. 195,309.53$ 150,000.00$ 150,000.00$ 177,648.26$ 252

2001 WI Catholic Charities of the Diocese of La Crosse, Inc. 49,739.46$ 44,300.88$ 44,300.00$ 54,107.75$ 552004 WI Lao Family Community, Inc. -$ -$ -$ -$ 0

2001 WI Wisconsin Community Action Program Association, Inc. 53,450.00$ 98,488.00$ 101,088.00$ 62,172.00$ 110

1999 WI Wisconsin Community Action Program Association, Inc. (WISCAP) -$ 488,000.00$ 492,000.00$ 491,207.00$ 6251999 WI Wisconsin Women's Business Initiative¹ 1,923.94$ 70,000.00$ 70,000.00$ 175,396.25$ 89

2001 WI Wisconsin Women's Business Initiative 298,771.25$ 172,021.00$ 250,950.00$ 174,258.25$ 144

2003 WI Wisconsin Women's Business Initiative -$ -$ -$ 3,182.00$ 22

2004 WI YWCA of Greater Milwaukee -$ -$ -$ -$ 0Total 47,301,578.35$ 34,726,444.65$ 39,723,187.13$ 21,593,889.95$ 28,570



Appendix PSummary of Reserve Fund and Participant IDAs ¹ Administered an AFI grant that concluded at the end of FY 2004 Page 9 of 9

Appendix Q

IDA Savings, Withdrawals and Matching Amounts


Grant


Cumulative

Account Holder

Savings

Qualified

Withdrawals

Federal and

Nonfederal

Matching Funds2003 AK Cook Inlet Tribal Council, Inc. $29,675 $4,801 $24,0042004 AL Family Services Center $5,515 $0 $02002 AL Tuscaloosa Housing Authority $4,571 $0 $02004 AR Crowley's Ridge Development Council, Inc $1,363 $750 $1,500

2001 AR EOA Washington County $6,359 $6,000 $18,0002002 AR EOA Washington County $2,795 $1,333 $4,0002003 AR EOA Washington County $4,125 $2,000 $6,0002002 AR South Arkansas Community Development $9,459 $4,620 $13,860

2003 AR South Arkansas Community Development $0 $0 $02000 AR Southern Good Faith Fund $103,616 $42,286 $121,2492002 AR Southern Good Faith Fund $34,522 $667 $2,0002004 AZ Chicanos Por La Causa Tucson (CPLC Tucson) $0 $0 $02001 AZ City of Tucson Community Services Department $43,637 $4,965 $9,9302002 AZ City of Tucson Community Services Department $32,189 $0 $0



2002 AZ City of Tucson Community Services Department $32,189 $0 $02001 AZ Mesa Community Action Network, Inc. $198,776 $70,180 $57,9612003 AZ Mesa Community Action Network, Inc. $112,039 $7,607 $11,107

2004 AZ Mesa Community Action Network, Inc. $0 $0 $0

2004 AZ South Eastern Arizona Community Action Program, Inc. $0 $0 $02003 CA Alliance for African Assistance $5,760 $0 $02001 CA AnewAmerica Community Corporation $71,695 $34,400 $68,8002002 CA AnewAmerica Community Corporation $9,012 $0 $02004 CA AnewAmerica Community Corporation $0 $0 $02004 CA Cabrillo Economic Development Corporation $0 $0 $02001 CA City of Los Angeles $189,534 $94,115 $344,2252001 CA Community Action Commission of Santa Barbara County $10,902 $6,565 $10,2002002 CA Community Action Commission of Santa Barbara County $11,148 $0 $0

2003 CA Community Action Commission of Santa Barbara County $0 $0 $02000 CA Community Action Partnership of Sonoma County $29,799 $24,099 $80,3362001 CA Community Action Partnership of Sonoma County $6,148 $1,935 $3,8702003 CA Community Action Partnership of Sonoma County $0 $0 $0

Appendix QIDA Savings, Withdrawals and Matching Amounts ¹ Administered an AFI grant that concluded at the end of FY 2004. Page 1 of 10



Appendix Q



Grant


Cumulative

Account Holder

Savings

Qualified

Withdrawals

Federal and

Nonfederal

Matching Funds

2001 CT Connecticut Department of Labor $39,227 $3,000 $9,0002002 CT Connecticut Department of Labor $24,605 $789 $1,5772004 CT Connecticut Department of Labor $1,657 $0 $02001 CT Co-Opportunity, Inc. $45,941 $17,935 $35,869

2002 CT Co-Opportunity, Inc. $25,241 $0 $02003 CT Co-Opportunity, Inc. $2,688 $0 $02004 CT Co-Opportunity, Inc. $0 $0 $02004 CT Empower New Haven, Inc. $0 $0 $0

2000 CT Family Services Woodfield, Inc. $25,687 $16,305 $47,3382002 DC 2nd District Religious, Educational Charitable Dev Proj $0 $0 $02003 DC Assemblies of God Financial Services $20,994 $0 $01999 DC Capital Area Asset Building Corporation $226,721 $163,378 $460,1932002 DC Capital Area Asset Building Corporation $0 $0 $02004 DC District of Columbia, Department of Mental health $0 $0 $0



2004 DC National Cooperative Bank Development Corporation $0 $0 $02001 DE First State Community Loan Fund $436,144 $137,769 $169,811

2004 DE First State Community Loan Fund $47,729 $0 $0

2001 FL Aid to Victims of Domestic Abuse, Inc. $5,705 $2,575 $2,0002004 FL Broward County Board of County Commissioners $0 $0 $02003 FL Capital Area Community Action Agency $0 $0 $02004 FL Dream Builders of Tallahassee, Inc. $0 $0 $02001 FL First Coast Workforce Development, Inc. $1,659 $578 $5782002 FL Fresh Ministries, Inc. $13,631 $0 $02003 FL Partners For Self-Employment,Inc. $105,607 $12,002 $3,6002004 FL United Way of Palm Beach County $84,545 $2,202 $4,0002002 GA Atlanta Cooperative Development Corporation $15,106 $4,000 $8,000

2003 GA Core Neighborhood Revitalization $13,250 $0 $02002 GA Economic Opportunity for Savannah Chatham County Area, $14,851 $3,632 $14,5292004 GA Economic Opportunity for Savannah Chatham County Area, $11,125 $0 $02003 GA New Birth Missionary Baptist Church $0 $0 $0


Appendix Q



Grant


Cumulative

Account Holder

Savings

Qualified

Withdrawals

Federal and

Nonfederal

Matching Funds

2000 GA United Way of Metropolitan Atlanta $155,000 $146,966 $440,8982001 GA United Way of Metropolitan Atlanta $56,911 $27,816 $62,1821999 HI ALU LIKE, Inc. $410,319 $275,458 $382,8992004 HI ALU LIKE, Inc. $0 $0 $0

1999 HI Hawaii Alliance for Community Based Economic Development¹ $73,007 $42,397 $82,1442003 HI Pacific Gateway Center $5,000 $0 $01999 IA Institute for Social & Economic Development $1,013,319 $733,261 $733,2612002 IA Institute for Social & Economic Development $138,068 $52,006 $52,0062000 IL Bethel New Life, Inc. $31,547 $8,858 $15,5382003 IL Fellowship Missionary Baptist Church $0 $0 $02003 IL Goodcity NFP $8,202 $0 $02004 IL Goodcity NFP $27,837 $2,667 $5,3332000 IL Illinois Community Action Association $185,782 $66,957 $130,3812002 IL Illinois Community Action Association $56,177 $7,264 $14,522



2003 IL Neighborhood Housing Development $0 $0 $02002 IL Partnership Accounts for Individual Development $31,219 $14,835 $28,910

2004 IL South Side Community Federal Credit Union $0 $0 $0

2000 IL Steans Family Foundation $92,381 $66,000 $265,2432002 IL Steans Family Foundation $113,000 $42,000 $171,4101999 IL Women's Self-Employment Project $144,243 $70,411 $124,8792003 IN Community Centers of Indianapolis $10,453 $3,712 $10,7691999 KS The Family Conservancy, Inc. $215,916 $139,160 $278,3192001 KS The Family Conservancy, Inc. $254,053 $73,622 $147,2442004 KS The Family Conservancy, Inc. $0 $0 $02004 KY Kentucky Domestic Violence Association $11,671 $0 $01999 KY Kentucky River Foothills Development Council, Inc.¹ $16,183 $9,312 $18,616

2001 KY Owsley County Action Team Incorporated $4,052 $1,800 $3,6001999 KY The Center for Women and Families $119,367 $82,696 $153,5432001 KY The Center for Women and Families $87,163 $23,985 $48,0352002 KY The Center for Women and Families $84,776 $8,603 $16,559


Appendix Q



Grant


Cumulative

Account Holder

Savings

Qualified

Withdrawals

Federal and

Nonfederal

Matching Funds

2000 LA Administrators of the Tulane Education Fund $130,543 $57,000 $228,0002001 LA Administrators of the Tulane Education Fund $35,000 $12,000 $46,0002001 LA Caleb Community Development Corporation $5,088 $0 $02002 LA Caleb Community Development Corporation $0 $0 $0

2001 LA Northeast Louisiana Delta Community Development Corp. $80 $0 $02003 LA Total Community Action, Inc. $60,534 $20,000 $40,0002004 LA Total Community Action, Inc. $0 $0 $01999 MA Allston Brighton Community Development Corporation $96,724 $86,405 $176,9102001 MA Allston Brighton Community Development Corporation $34,867 $9,465 $22,2622002 MA Allston Brighton Community Development Corporation $17,275 $0 $02003 MA Allston Brighton Community Development Corporation $6,650 $0 $02002 MA COMMUNITY SERVICE NETWORK INC $44,423 $4,900 $9,8002004 MA COMMUNITY SERVICE NETWORK INC $0 $0 $02000 MA Employment Resources Inc $24,750 $0 $02001 MA I i l I i f B $12 593 $1 200 $2 400



2001 MA International Institute of Boston $12,593 $1,200 $2,4002002 MA Montachusett Opportunity Council, Inc. $68,972 $30,505 $91,561

2001 MA Organization for a New Equality, Inc. $9,918 $966 $2,898

2004 MA Springfield Partners for Community Action, Inc. $9,870 $6,721 $11,4422002 MA YouthBuild USA $7,425 $2,951 $14,5342004 MA YouthBuild USA $0 $0 $02003 MD Allegany County Human Resources $18,631 $19,000 $22,0001999 MD Southern Maryland Tri-County Community Action Committee $30,522 $9,921 $5,7991999 ME Coastal Enterprises, Inc. $459,455 $243,314 $243,3142001 ME Coastal Enterprises, Inc. $0 $0 $01999 ME Penquis Community Action Program $176,348 $117,069 $219,4732001 ME Penquis Community Action Program $13,482 $0 $0

2002 ME Penquis Community Action Program $13,030 $0 $02001 MI City Vision, Inc. $276,937 $122,514 $151,8622001 MI Community Action Agency $166,296 $37,316 $97,8141999 MI FiveCAP, Inc. $105,724 $58,500 $117,000


Appendix Q



Grant


Cumulative

Account Holder

Savings

Qualified

Withdrawals

Federal and

Nonfederal

Matching Funds

2004 MI Legal Services of Eastern Michigan $25,507 $0 $01999 MI Michigan Neighborhood Partnership $169,523 $113,849 $376,2452001 MI Michigan Neighborhood Partnership $23,264 $0 $02004 MI Michigan State University $250 $0 $0

2002 MI Northwest Michigan Human Services Agency $27,620 $10,980 $29,9122003 MI Northwest Michigan Human Services Agency $9,870 $4,003 $9,0002001 MI Oakland Livingston Human Services Aency $122,991 $43,432 $124,9562001 MI United Way for Southeastern Michigan $148,328 $76,925 $359,6712003 MI United Way for Southeastern Michigan $501 $0 $02004 MN Lutheran Social Service of Minnesota $1,289 $0 $01999 MN Ramsey Action Programs, Inc.¹ $566,869 $299,247 $897,1662003 MN West Central Minnesota Communities Action, Inc. $259,050 $80,183 $240,5492004 MN West Central Minnesota Communities Action, Inc. $16,018 $0 $02002 MO Great Rivers Community Trust $92,959 $43,922 $162,4632001 MO Missouri Association for Community Action $106 056 $38 962 $74 777



2001 MO Missouri Association for Community Action $106,056 $38,962 $74,7772002 MO Opportunities Industrialization Center of the Midwest $36,210 $12,060 $24,120

2004 MO Opportunities Industrialization Center of the Midwest $360 $0 $0

2000 MO People's Community Development Corporation $53,419 $74,668 $190,0002002 MO People's Community Development Corporation $14,262 $0 $02001 MO Redevelopment Opportunities for Women, Inc. $9,635 $2,768 $5,5372002 MO Redevelopment Opportunities for Women, Inc. $3,023 $1,900 $3,8002001 MO The Learning Exchange, Inc. $4,051 $393 $3932002 MO United Way of Greater St. Louis, Inc. $84,266 $29,172 $58,3441999 MO United Way of Greater St. Louis, Inc.¹ $198,950 $115,432 $230,8652003 MS AJFC Community Action Agency, Inc. $35,053 $4,000 $12,0002001 MS Jackson County Civic Action Committee, Inc. $5,000 $875 $2,625

2002 MT District 7 Human Resources Development Council $45,013 $17,664 $35,3282004 MT Poverello Center, Inc. $670 $0 $01999 NC North Carolina Department of Labor $811,179 $177,312 $354,6252001 NC North Carolina Department of Labor $217,505 $31,000 $62,000


Appendix Q



Grant


Cumulative

Account Holder

Savings

Qualified

Withdrawals

Federal and

Nonfederal

Matching Funds

2001 NC United Way of Forsyth County $80,000 $160,000 $320,0002004 NC United Way of Forsyth County $0 $0 $02001 NC Western Carolina Community Action, Inc. $21,930 $7,972 $15,9442003 NC Western Carolina Community Action, Inc. $7,102 $154 $300

2002 ND Southeastern North Dakota Community Action Agency $11,410 $6,951 $13,9022003 ND Southeastern North Dakota Community Action Agency $3,748 $0 $02004 NE Family Housing Advisory Services, Inc. $1,000 $0 $02001 NE New Community Development Corporation $0 $0 $02001 NH New Hampshire Community Loan Fund $646,121 $258,037 $672,7102003 NH New Hampshire Community Loan Fund $123,874 $1,809 $5,4272001 NJ Camden County Council On Economic Opportunity, Inc. $68,562 $22,552 $45,1042002 NJ Camden County Council On Economic Opportunity, Inc. $16,264 $0 $02004 NJ Camden County Council On Economic Opportunity, Inc. $0 $0 $02001 NJ New Jersey Department of Community Affairs $103,333 $15,662 $49,2872004 NM New Mexico Association of Community Action Agencies $1 930 $900 $3 600



2004 NM New Mexico Association of Community Action Agencies $1,930 $900 $3,6002001 NM Northwest New Mexico Community Development Corporation $112,764 $48,758 $135,344

2004 NM Women's Economic Self-Sufficiency Team (WESST corp) $3,263 $48 $191

1999 NV Community Services Agency Development Corporation $71,209 $0 $02003 NV Community Services Agency Development Corporation $105,536 $0 $01999 NV Economic Opportunity Board of Clark County¹ $67,964 $54,876 $109,7522001 NY Action For a Better Community, Inc. $9,516 $0 $01999 NY Affordable Housing Partnership of Albany County, Inc. $17,517 $10,252 $29,7562001 NY Alternatives Federal Credit Union $47,487 $27,368 $54,7422002 NY Alternatives Federal Credit Union $30,444 $9,173 $18,3452001 NY Community Action of Greene County, Inc. $2,403 $1,591 $1,5002001 NY Community Development Corporation of Long Island, Inc. $32,324 $6,000 $12,000

2001 NY Fifth Avenue Committee $21,943 $3,712 $7,4232004 NY Fifth Avenue Committee $0 $0 $02004 NY FoodChange $1,600 $0 $02002 NY Local Development Corporation of East New York $22,056 $7,200 $14,400


Appendix Q



Grant


Cumulative

Account Holder

Savings

Qualified

Withdrawals

Federal and

Nonfederal

Matching Funds

2001 NY Lower Eastside People's Federal Credit Union $54,836 $0 $01999 NY Mount Hope Housing Company, Inc. $0 $0 $02002 NY Mount Hope Housing Company, Inc. $56,057 $13,500 $27,0002004 NY Mount Hope Housing Company, Inc. $2,261 $0 $0

2000 NY Non-Profit Assistance Corporation $137,030 $27,680 $45,3802001 NY Westchester Housing Fund $12,886 $8,006 $13,9202003 NY Westchester Housing Fund $0 $0 $02001 NY YWCA of Rochester and Monroe County $12,566 $0 $02004 OH Economic and Community Development Institute (ECDI) $163,988 $145,777 $288,7641999 OH Ohio Community Development Association $343,495 $282,092 $660,0432002 OH Ohio Community Development Corporations Association $119,114 $80,651 $162,3582001 OH Stark County Out of Poverty Partnership, Inc $1,105 $0 $02000 OH Working for Empowerment through Community (WECO) $134,657 $25,674 $80,0302000 OK Community Action Agency of Oklahoma City $57,122 $18,133 $36,2662001 OK Community Action Agency of Oklahoma City $45 974 $17 030 $117 060



2001 OK Community Action Agency of Oklahoma City $45,974 $17,030 $117,0602003 OK Community Action Agency of Oklahoma City $34,110 $2,518 $5,037

1999 OK Little Dixie Community Action Agency, Inc.¹ $4,431 $1,500 $3,000

2001 OR Community And Shelter Assistance Corporation $129,504 $78,360 $185,1422002 OR Community And Shelter Assistance Corporation $162,034 $53,565 $133,1282003 OR Community And Shelter Assistance Corporation $3,274 $0 $02004 OR Community And Shelter Assistance Corporation $0 $0 $01999 OR Portland Housing Center, Inc. $119,345 $43,010 $53,8832002 PA People For People, Inc. $0 $0 $02002 PA United Way of Southeastern Pennsylvania $73,116 $8,093 $12,0001999 PA YWCA of Greater Pittsburgh¹ $124,604 $38,372 $158,2842000 SC South Carolina Association of Community Development Corporations $122,174 $43,452 $173,805

2001 SC Urban League of the Upstate, Inc. $48,716 $25,123 $50,2452001 SD The Lakota Fund $18,149 $8,680 $17,3592003 TN Advance Memphis $2,980 $0 $02002 TN Oasis Center $20,511 $11,007 $33,021


Appendix Q



Grant


Cumulative

Account Holder

Savings

Qualified

Withdrawals

Federal and

Nonfederal

Matching Funds

2003 TN Upper Cumberland Human Resources $8,719 $0 $02000 TN Upper East Tennessee Human Development Agency, Inc. $55,995 $18,772 $32,2412002 TN Upper East Tennessee Human Development Agency, Inc. $13,721 $4,042 $8,0002001 TX Catholic Family Service, Inc. $2,000 $2,000 $4,000

2000 TX City of San Antonio $47,308 $41,735 $166,9392001 TX City of San Antonio $260,967 $79,629 $81,8792004 TX City of San Antonio $32 $0 $02002 TX Community Action Council of South Texas $0 $0 $02004 TX Community Action Program, Inc. of Taylor County $16,440 $1,333 $5,3322004 TX Covenant Community Capital Corporation $42,264 $0 $02001 TX El Paso Collaborative for Community & Economic Development $116,176 $81,736 $81,7382002 TX El Paso County $23,619 $8,697 $17,3941999 TX Foundation Communities $160,819 $72,189 $145,8162002 TX Foundation Communities $42,165 $9,141 $18,2822004 TX Foundation Communities $5,021 $0 $0



2004 TX Foundation Communities $5,021 $0 $02004 TX Goodwill Industries of San Antonio $14,471 $0 $0

2000 TX Gulf Coast Community Services Association $105,870 $41,592 $83,110

2003 TX Housing Services of Texas $9,018 $6,548 $13,0962004 TX Multicultural Community Development Corporation (MCDC) $7,500 $0 $02001 TX Student Alternatives Program, Inc. $14,500 $0 $02001 TX United Community Centers, Inc. $8,746 $5,562 $10,8002000 TX United Way of the Texas Gulf Coast $392,323 $56,465 $112,9292004 UT Utah Issues Center for Poverty Research and Action $10,237 $0 $02001 VA New Enterprises Fund, Inc. $25,704 $20,420 $80,4092002 VA New Enterprises Fund, Inc. $21,201 $4,764 $19,0582002 VA New Visions, New Ventures, Inc. $6,457 $4,562 $9,696

2004 VA New Visions, New Ventures, Inc. $2,001 $220 $4401999 VA People Incorporated of Southwest Virginia $60,451 $36,743 $73,4862002 VA Total Action Against Poverty in Roanoke Valley $45,420 $25,945 $99,7321999 VT Central Vermont Community Action Council, Inc. $117,600 $104,588 $208,466


Appendix Q



Grant


Cumulative

Account Holder

Savings

Qualified

Withdrawals

Federal and

Nonfederal

Matching Funds

2002 VT Central Vermont Community Action Council, Inc. $82,150 $24,352 $48,7042003 VT Central Vermont Community Action Council, Inc. $55,827 $9,337 $18,6742004 VT Central Vermont Community Action Council, Inc. $18,092 $0 $02002 WA Spokane Neighborhood Action Programs $33,320 $29,928 $59,857

2003 WA Spokane Neighborhood Action Programs $45,683 $16,094 $32,1892004 WA Spokane Neighborhood Action Programs $0 $0 $02001 WA United Way of King County $225,772 $72,513 $217,0782002 WA United Way of King County $104,613 $18,748 $68,2442003 WA United Way of King County $45,350 $529 $1,5882004 WA United Way of King County $0 $0 $02003 WI Boys & Girls Club of Greater Milwaukee $22,684 $0 $02000 WI CAP Services, Inc. $148,208 $87,857 $175,7152001 WI CAP Services, Inc. $177,648 $59,561 $119,1222001 WI Catholic Charities of the Diocese of La Crosse, Inc. $54,108 $8,000 $16,0002004 WI Lao Family Community, Inc. $0 $0 $0



y y, $ $ $2001 WI Wisconsin Community Action Program Association, Inc. $62,172 $0 $82,000

1999 WI Wisconsin Community Action Program Association, Inc. (WISCAP) $491,207 $0 $0

1999 WI Wisconsin Women's Business Initiative¹ $175,396 $68,076 $136,1522001 WI Wisconsin Women's Business Initiative $174,258 $59,002 $118,0032003 WI Wisconsin Women's Business Initiative $3,182 $0 $02004 WI YWCA of Greater Milwaukee $0 $0 $0

Total $21,593,890 $8,811,938 $18,661,506


Appendix R

Qualified Withdrawals by Accountholders


Grant


Home

Withdrawals

Amount

Amount of

Small

Business

Withdrawals

Amount of

Education

Withdrawals

Total Amount

of

Withdrawals2003 AK Cook Inlet Tribal Council, Inc. $1,600 $1,359 $1,842 $4,8012004 AL Family Services Center $0 $0 $0 $02002 AL Tuscaloosa Housing Authority $0 $0 $0 $0

2004 AR Crowley's Ridge Development Council, Inc $0 $0 $750 $7502001 AR EOA Washington County $1,333 $3,333 $1,333 $6,0002002 AR EOA Washington County $667 $0 $667 $1,3332003 AR EOA Washington County $2,000 $0 $0 $2,0002002 AR South Arkansas Community Development $4,620 $0 $0 $4,6202003 AR South Arkansas Community Development $0 $0 $0 $02000 AR Southern Good Faith Fund $8,416 $14,844 $19,026 $42,2862002 AR Southern Good Faith Fund $667 $0 $0 $6672004 AZ Chicanos Por La Causa Tucson (CPLC Tucson) $0 $0 $0 $02001 AZ City of Tucson Community Services Department $4,365 $0 $600 $4,9652002 AZ City of Tucson Community Services Department $0 $0 $0 $0



2001 AZ Mesa Community Action Network, Inc. $48,000 $6,000 $16,180 $70,180

2003 AZ Mesa Community Action Network, Inc. $2,000 $0 $5,607 $7,607

2004 AZ Mesa Community Action Network, Inc. $0 $0 $0 $02004 AZ South Eastern Arizona Community Action Program, Inc. $0 $0 $0 $02003 CA Alliance for African Assistance $0 $0 $0 $02001 CA AnewAmerica Community Corporation $0 $34,400 $0 $34,4002002 CA AnewAmerica Community Corporation $0 $0 $0 $02004 CA AnewAmerica Community Corporation $0 $0 $0 $02004 CA Cabrillo Economic Development Corporation $0 $0 $0 $02001 CA City of Los Angeles $13,767 $54,913 $25,435 $94,1152001 CA Community Action Commission of Santa Barbara County $0 $6,565 $0 $6,565

2002 CA Community Action Commission of Santa Barbara County $0 $0 $0 $02003 CA Community Action Commission of Santa Barbara County $0 $0 $0 $02000 CA Community Action Partnership of Sonoma County $16,069 $6,010 $2,019 $24,0992001 CA Community Action Partnership of Sonoma County $0 $1,935 $0 $1,935

Appendix RQualified Withdrawals by Accountholders ¹ Administered an AFI grant that concluded at the end of FY 2004 Page 1 of 11

Appendix R



Grant


Home

Withdrawals

Amount

Amount of

Small

Business

Withdrawals

Amount of

Education

Withdrawals

Total Amount

of

Withdrawals2003 CA Community Action Partnership of Sonoma County $0 $0 $0 $02004 CA Community Housing Development Corporation $0 $0 $0 $02003 CA Earned Assets Resource Network (EARN) $44,000 $38,763 $46,885 $129,648

2003 CA Earned Assets Resource Network (EARN) $0 $10,903 $13,675 $24,5782004 CA Earned Assets Resource Network (EARN) $0 $438 $3,461 $3,8991999 CA East Bay Asian Local Development Corporation $84,834 $77,541 $70,910 $233,2852002 CA East Bay Asian Local Development Corporation $0 $0 $0 $01999 CA Fresno County Economic Opportunities Commission $22,000 $27,784 $5,169 $54,9542002 CA Fresno County Economic Opportunities Commission $0 $0 $0 $02002 CA Jefferson Economic Development Institute $2,570 $13,923 $394 $16,8872003 CA Lenders for Community Development $0 $0 $5,858 $5,8581999 CA Mercy Housing California $7,356 $3,620 $6,224 $17,2002001 CA Mercy Housing California $0 $0 $0 $02001 CA Northeast Community Federal Credit Union $0 $3,036 $0 $3,036



2002 CA Northeast Community Federal Credit Union $0 $2,150 $98 $2,248

1999 CA Peninsula Community Foundation $13,092 $24,661 $140,105 $177,858

1999 CA RIVERSIDE COUNTY COMMUNITY ACTION AGENCY $62,072 $12,228 $34,307 $108,6072001 CA RIVERSIDE COUNTY COMMUNITY ACTION AGENCY $0 $0 $0 $02003 CA RIVERSIDE COUNTY COMMUNITY ACTION AGENCY $0 $0 $0 $02001 CA UNITED WAY, INC. $30,611 $23,333 $0 $53,9442002 CA UNITED WAY, INC. $40,957 $56,741 $0 $97,6982004 CA UNITED WAY, INC. $0 $0 $0 $02000 CA West Enterprise Center $0 $30,000 $3,000 $33,0002003 CA West Enterprise Center $2,469 $5,000 $2,000 $9,4691999 CO Mile High United Way¹ $52,916 $32,411 $19,163 $104,490

2001 CO Mile High United Way $11,350 $27,089 $30,612 $69,0522002 CO Mile High United Way $0 $0 $0 $02004 CO Pikes Peak Community Action Agency, Inc. $0 $0 $0 $01999 CT Committee on Training and Employment, Inc (CTE, Inc.) $168,722 $77,075 $40,720 $286,517


Appendix R



Grant


Home

Withdrawals

Amount

Amount of

Small

Business

Withdrawals

Amount of

Education

Withdrawals

Total Amount

of

Withdrawals2001 CT Committee on Training and Employment, Inc (CTE, Inc.) $0 $225 $170 $3952000 CT Connecticut Department of Labor $78,151 $36,285 $20,191 $134,6272001 CT Connecticut Department of Labor $1,500 $1,500 $0 $3,000

2002 CT Connecticut Department of Labor $557 $0 $232 $7892004 CT Connecticut Department of Labor $0 $0 $0 $02001 CT CO-OPPORTUNITY, INC. $16,043 $0 $1,892 $17,9352002 CT CO-OPPORTUNITY, INC. $0 $0 $0 $02003 CT Co-Opportunity, Inc. $0 $0 $0 $02004 CT CO-OPPORTUNITY, INC. $0 $0 $0 $02004 CT Empower New Haven, Inc. $0 $0 $0 $02000 CT Family Services Woodfield, Inc. $6,549 $5,179 $4,577 $16,3052002 DC 2nd District Religious, Educational Charitable Dev Proj $0 $0 $0 $02003 DC Assemblies of God Financial Services $0 $0 $0 $01999 DC Capital Area Asset Building Corporation $81,363 $29,940 $52,075 $163,3782002 DC C it l A A t B ildi C ti $0 $0 $0 $0



2002 DC Capital Area Asset Building Corporation $0 $0 $0 $0

2004 DC District of Columbia, Department of Mental health $0 $0 $0 $0

2004 DC National Cooperative Bank Development Corporation $0 $0 $0 $02001 DE First State Community Loan Fund $119,709 $8,327 $9,733 $137,7692004 DE First State Community Loan Fund $0 $0 $0 $02001 FL Aid to Victims of Domestic Abuse, Inc. $2,575 $0 $0 $2,5752004 FL Broward County Board of County Commissioners $0 $0 $0 $02003 FL Capital Area Community Action Agency $0 $0 $0 $02004 FL Dream Builders of Tallahassee, Inc. $0 $0 $0 $02001 FL First Coast Workforce Development, Inc. $0 $0 $578 $5782002 FL Fresh Ministries, Inc. $0 $0 $0 $0

2003 FL Partners For Self-Employment,Inc. $10,992 $1,010 $0 $12,0022004 FL United Way of Palm Beach County $2,202 $0 $0 $2,2022002 GA Atlanta Cooperative Development Corporation $0 $2,000 $2,000 $4,0002003 GA Core Neighborhood Revitalization $0 $0 $0 $0


Appendix R



Grant


Home

Withdrawals

Amount

Amount of

Small

Business

Withdrawals

Amount of

Education

Withdrawals

Total Amount

of

Withdrawals2002 GA Economic Opportunity for Savannah Chatham County Area, $0 $3,632 $0 $3,6322004 GA Economic Opportunity for Savannah Chatham County Area, $0 $0 $0 $02003 GA New Birth Missionary Baptist Church $0 $0 $0 $0

2000 GA United Way of Metropolitan Atlanta $0 $146,966 $0 $146,9662001 GA United Way of Metropolitan Atlanta $2,000 $1,550 $24,266 $27,8161999 HI ALU LIKE, Inc. $147,092 $41,720 $86,646 $275,4582004 HI ALU LIKE, Inc. $0 $0 $0 $01999 HI Hawaii Alliance for Community Based Economic Development¹ $16,965 $16,524 $8,908 $42,397

2003 HI Pacific Gateway Center $0 $0 $0 $01999 IA Institute for Social & Economic Development $353,642 $185,477 $194,142 $733,2612002 IA Institute for Social & Economic Development $27,307 $7,000 $17,699 $52,0062000 IL Bethel New Life, Inc. $5,519 $501 $2,838 $8,8582003 IL Fellowship Missionary Baptist Church $0 $0 $0 $02003 IL Goodcity NFP $0 $0 $0 $02004 IL Goodcity NFP $667 $2 000 $0 $2 667



2004 IL Goodcity NFP $667 $2,000 $0 $2,667

2000 IL Illinois Community Action Association $39,974 $13,425 $13,557 $66,957

2002 IL Illinois Community Action Association $3,718 $1,800 $1,746 $7,2642003 IL Neighborhood Housing Development $0 $0 $0 $02002 IL Partnership Accounts for Individual Development $9,414 $3,136 $2,285 $14,8352004 IL South Side Community Federal Credit Union $0 $0 $0 $02000 IL Steans Family Foundation $20,000 $0 $46,000 $66,0002002 IL Steans Family Foundation $17,000 $0 $25,000 $42,0001999 IL Women's Self-Employment Project $5,155 $62,144 $3,112 $70,4112003 IN Community Centers of Indianapolis $1,607 $750 $1,355 $3,7121999 KS The Family Conservancy, Inc. $30,440 $32,879 $75,841 $139,160

2001 KS The Family Conservancy, Inc. $41,593 $6,966 $25,063 $73,6222004 KS The Family Conservancy, Inc. $0 $0 $0 $02004 KY Kentucky Domestic Violence Association $0 $0 $0 $01999 KY Kentucky River Foothills Development Council, Inc.¹ $4,149 $4,724 $440 $9,312


Appendix R



Grant


Home

Withdrawals

Amount

Amount of

Small

Business

Withdrawals

Amount of

Education

Withdrawals

Total Amount

of

Withdrawals2001 KY Owsley County Action Team Incorporated $720 $360 $720 $1,8001999 KY The Center for Women and Families $57,045 $17,148 $8,503 $82,6962001 KY The Center for Women and Families $13,667 $4,176 $6,142 $23,985

2002 KY The Center for Women and Families $4,728 $2,204 $1,671 $8,6032000 LA Administrators of the Tulane Education Fund $57,000 $0 $0 $57,0002001 LA Administrators of the Tulane Education Fund $10,000 $0 $2,000 $12,0002001 LA Caleb Community Development Corporation $0 $0 $0 $02002 LA Caleb Community Development Corporation $0 $0 $0 $0

2001 LA Northeast Louisiana Delta Community Development Corp. $0 $0 $0 $02003 LA Total Community Action, Inc. $12,000 $8,000 $0 $20,0002004 LA Total Community Action, Inc. $0 $0 $0 $01999 MA Allston Brighton Community Development Corporation $55,405 $6,000 $25,000 $86,4052001 MA Allston Brighton Community Development Corporation $4,045 $1,200 $4,220 $9,4652002 MA Allston Brighton Community Development Corporation $0 $0 $0 $02003 MA Allston Brighton Community Development Corporation $0 $0 $0 $0



2003 MA Allston Brighton Community Development Corporation $0 $0 $0 $0

2002 MA COMMUNITY SERVICE NETWORK INC $4,000 $0 $900 $4,900

2004 MA COMMUNITY SERVICE NETWORK INC $0 $0 $0 $02000 MA Employment Resources Inc $0 $0 $0 $02001 MA International Institute of Boston $0 $0 $1,200 $1,2002002 MA Montachusett Opportunity Council, Inc. $26,607 $1,334 $2,564 $30,5052001 MA Organization for a New Equality, Inc. $966 $0 $0 $9662004 MA Springfield Partners for Community Action, Inc. $5,000 $0 $1,721 $6,7212002 MA YouthBuild USA $0 $0 $2,951 $2,9512004 MA YouthBuild USA $0 $0 $0 $02003 MD Allegany County Human Resources $8,000 $3,000 $8,000 $19,000

1999 MD Southern Maryland Tri-County Community Action Committee $8,144 $719 $1,058 $9,9211999 ME Coastal Enterprises, Inc. $128,162 $73,979 $41,173 $243,3142001 ME Coastal Enterprises, Inc. $0 $0 $0 $01999 ME Penquis Community Action Program $57,262 $28,808 $30,999 $117,069


Appendix R



Grant


Home

Withdrawals

Amount

Amount of

Small

Business

Withdrawals

Amount of

Education

Withdrawals

Total Amount

of

Withdrawals2001 ME Penquis Community Action Program $0 $0 $0 $02002 ME Penquis Community Action Program $0 $0 $0 $02001 MI City Vision, Inc. $85,263 $27,263 $9,988 $122,514

2001 MI Community Action Agency $29,576 $3,008 $4,732 $37,3161999 MI FiveCAP, Inc. $36,500 $10,000 $12,000 $58,5002004 MI Legal Services of Eastern Michigan $0 $0 $0 $01999 MI Michigan Neighborhood Partnership $67,133 $23,958 $22,759 $113,8492001 MI Michigan Neighborhood Partnership $0 $0 $0 $0

2004 MI Michigan State University $0 $0 $0 $02002 MI Northwest Michigan Human Services Agency $8,024 $956 $2,000 $10,9802003 MI Northwest Michigan Human Services Agency $4,003 $0 $0 $4,0032001 MI Oakland Livingston Human Services Aency $38,093 $3,983 $1,356 $43,4322001 MI United Way for Southeastern Michigan $50,280 $6,804 $19,840 $76,9252003 MI United Way for Southeastern Michigan $0 $0 $0 $02004 MN Lutheran Social Service of Minnesota $0 $0 $0 $0



2004 MN Lutheran Social Service of Minnesota $0 $0 $0 $0

1999 MN Ramsey Action Programs, Inc.¹ $97,598 $116,322 $85,327 $299,247

2003 MN West Central Minnesota Communities Action, Inc. $24,311 $24,823 $31,049 $80,1832004 MN West Central Minnesota Communities Action, Inc. $0 $0 $0 $02002 MO Great Rivers Community Trust $43,922 $0 $0 $43,9222001 MO Missouri Association for Community Action $32,952 $0 $6,009 $38,9622002 MO Opportunities Industrialization Center of the Midwest $7,500 $2,360 $2,200 $12,0602004 MO Opportunities Industrialization Center of the Midwest $0 $0 $0 $02000 MO People's Community Development Corporation $40,668 $28,000 $6,000 $74,6682002 MO People's Community Development Corporation $0 $0 $0 $02001 MO Redevelopment Opportunities for Women, Inc. $2,337 $0 $431 $2,768

2002 MO Redevelopment Opportunities for Women, Inc. $0 $0 $1,900 $1,9002001 MO The Learning Exchange, Inc. $0 $0 $393 $3932002 MO United Way of Greater St. Louis, Inc. $8,708 $10,072 $10,392 $29,1721999 MO United Way of Greater St. Louis, Inc.¹ $30,604 $47,763 $37,066 $115,432


Appendix R



Grant


Home

Withdrawals

Amount

Amount of

Small

Business

Withdrawals

Amount of

Education

Withdrawals

Total Amount

of

Withdrawals2003 MS AJFC Community Action Agency, Inc. $4,000 $0 $0 $4,0002001 MS Jackson County Civic Action Committee, Inc. $0 $875 $0 $8752002 MT District 7 Human Resources Development Council $7,451 $4,748 $5,464 $17,664

2004 MT Poverello Center, Inc. $0 $0 $0 $01999 NC North Carolina Department of Labor $137,000 $24,312 $16,000 $177,3122001 NC North Carolina Department of Labor $31,000 $0 $0 $31,0002001 NC United Way of Forsyth County $160,000 $0 $0 $160,0002004 NC United Way of Forsyth County $0 $0 $0 $0

2001 NC Western Carolina Community Action, Inc. $6,004 $1,968 $0 $7,9722003 NC Western Carolina Community Action, Inc. $0 $0 $154 $1542002 ND Southeastern North Dakota Community Action Agency $6,951 $0 $0 $6,9512003 ND Southeastern North Dakota Community Action Agency $0 $0 $0 $02004 NE Family Housing Advisory Services, Inc. $0 $0 $0 $02001 NE New Community Development Corporation $0 $0 $0 $02001 NH New Hampshire Community Loan Fund $217,123 $21,544 $19,370 $258,037



2001 NH New Hampshire Community Loan Fund $217,123 $21,544 $19,370 $258,037

2003 NH New Hampshire Community Loan Fund $1,140 $169 $500 $1,809

2001 NJ Camden County Council On Economic Opportunity, Inc. $18,062 $3,195 $1,295 $22,5522002 NJ Camden County Council On Economic Opportunity, Inc. $0 $0 $0 $02004 NJ Camden County Council On Economic Opportunity, Inc. $0 $0 $0 $02001 NJ New Jersey Department of Community Affairs $12,427 $46 $3,189 $15,6622004 NM New Mexico Association of Community Action Agencies $0 $900 $0 $9002001 NM Northwest New Mexico Community Development Corporation $17,622 $17,796 $13,340 $48,7582004 NM Women's Economic Self-Sufficiency Team (WESST corp) $0 $0 $48 $481999 NV Community Services Agency Development Corporation $0 $0 $0 $02003 NV Community Services Agency Development Corporation $0 $0 $0 $0

1999 NV Economic Opportunity Board of Clark County¹ $17,900 $18,599 $18,377 $54,8762001 NY Action For a Better Community, Inc. $0 $0 $0 $01999 NY Affordable Housing Partnership of Albany County, Inc. $0 $9,252 $1,000 $10,2522001 NY Alternatives Federal Credit Union $4,415 $13,024 $9,930 $27,368


Appendix R



Grant


Home

Withdrawals

Amount

Amount of

Small

Business

Withdrawals

Amount of

Education

Withdrawals

Total Amount

of

Withdrawals2002 NY Alternatives Federal Credit Union $1,000 $6,270 $1,903 $9,1732001 NY Community Action of Greene County, Inc. $0 $0 $1,591 $1,5912001 NY Community Development Corporation of Long Island, Inc. $6,000 $0 $0 $6,000

2001 NY Fifth Avenue Committee $0 $0 $3,712 $3,7122004 NY Fifth Avenue Committee $0 $0 $0 $02004 NY FoodChange $0 $0 $0 $02002 NY Local Development Corporation of East New York $0 $7,200 $0 $7,2002001 NY Lower Eastside People's Federal Credit Union $0 $0 $0 $0

1999 NY Mount Hope Housing Company, Inc. $0 $0 $0 $02002 NY Mount Hope Housing Company, Inc. $4,500 $6,000 $3,000 $13,5002004 NY Mount Hope Housing Company, Inc. $0 $0 $0 $02000 NY Non-Profit Assistance Corporation $5,439 $9,096 $13,145 $27,6802001 NY Westchester Housing Fund $0 $4,792 $3,214 $8,0062003 NY Westchester Housing Fund $0 $0 $0 $02001 NY YWCA of Rochester and Monroe County $0 $0 $0 $0



y $ $ $ $

2004 OH Economic and Community Development Institute (ECDI) $0 $134,702 $11,075 $145,7771999 OH Ohio Community Development Association $140,369 $63,403 $78,320 $282,0922002 OH Ohio Community Development Corporations Association $42,716 $29,614 $8,321 $80,6512001 OH Stark County Out of Poverty Partnership, Inc $0 $0 $0 $02000 OH Working for Empowerment through Community (WECO) $19,063 $1,500 $5,111 $25,6742000 OK Community Action Agency of Oklahoma City $11,139 $3,281 $3,713 $18,1332001 OK Community Action Agency of Oklahoma City $9,285 $2,680 $5,065 $17,0302003 OK Community Action Agency of Oklahoma City $0 $1,706 $812 $2,5181999 OK Little Dixie Community Action Agency, Inc.¹ $1,500 $0 $0 $1,5002001 OR Community And Shelter Assistance Corporation $63,403 $6,042 $8,916 $78,360

2002 OR Community And Shelter Assistance Corporation $29,147 $17,278 $7,140 $53,5652003 OR Community And Shelter Assistance Corporation $0 $0 $0 $02004 OR Community And Shelter Assistance Corporation $0 $0 $0 $01999 OR Portland Housing Center, Inc. $27,552 $7,283 $8,175 $43,010


Appendix R



Grant


Home

Withdrawals

Amount

Amount of

Small

Business

Withdrawals

Amount of

Education

Withdrawals

Total Amount

of

Withdrawals2002 PA People For People, Inc. $0 $0 $0 $02002 PA United Way of Southeastern Pennsylvania $8,093 $0 $0 $8,0931999 PA YWCA of Greater Pittsburgh¹ $38,372 $0 $0 $38,372

2000 SC South Carolina Association of Community Development Corporations $15,043 $16,563 $11,846 $43,4522001 SC Urban League of the Upstate, Inc. $14,205 $5,906 $5,012 $25,1232001 SD The Lakota Fund $3,116 $3,683 $1,881 $8,6802003 TN Advance Memphis $0 $0 $0 $02002 TN Oasis Center $0 $281 $10,726 $11,007

2003 TN Upper Cumberland Human Resources $0 $0 $0 $02000 TN Upper East Tennessee Human Development Agency, Inc. $16,114 $0 $2,658 $18,7722002 TN Upper East Tennessee Human Development Agency, Inc. $4,042 $0 $0 $4,0422001 TX Catholic Family Service, Inc. $2,000 $0 $0 $2,0002000 TX City of San Antonio $23,250 $7,461 $11,024 $41,7352001 TX City of San Antonio $39,498 $750 $39,381 $79,6292004 TX City of San Antonio $0 $0 $0 $0



2002 TX Community Action Council of South Texas $0 $0 $0 $02004 TX Community Action Program, Inc. of Taylor County $0 $907 $426 $1,3332004 TX Covenant Community Capital Corporation $0 $0 $0 $02001 TX El Paso Collaborative for Community & Economic Development $66,728 $10,701 $4,307 $81,7362002 TX El Paso County $7,748 $0 $949 $8,6971999 TX Foundation Communities $51,405 $10,462 $10,322 $72,1892002 TX Foundation Communities $3,104 $1,726 $4,311 $9,1412004 TX Foundation Communities $0 $0 $0 $02004 TX Goodwill Industries of San Antonio $0 $0 $0 $02000 TX Gulf Coast Community Services Association $28,618 $3,037 $9,937 $41,592

2003 TX Housing Services of Texas $4,911 $0 $1,637 $6,5482004 TX Multicultural Community Development Corporation (MCDC) $0 $0 $0 $02001 TX Student Alternatives Program, Inc. $0 $0 $0 $02001 TX United Community Centers, Inc. $2,160 $2,234 $1,168 $5,562


Appendix R



Grant


Home

Withdrawals

Amount

Amount of

Small

Business

Withdrawals

Amount of

Education

Withdrawals

Total Amount

of

Withdrawals2000 TX United Way of the Texas Gulf Coast $35,172 $2,790 $18,502 $56,4652004 UT Utah Issues Center for Poverty Research and Action $0 $0 $0 $02001 VA New Enterprises Fund, Inc. $1,488 $17,046 $1,886 $20,420

2002 VA New Enterprises Fund, Inc. $2,868 $0 $1,896 $4,7642002 VA New Visions, New Ventures, Inc. $0 $4,562 $0 $4,5622004 VA New Visions, New Ventures, Inc. $0 $220 $0 $2201999 VA People Incorporated of Southwest Virginia $15,218 $16,746 $4,779 $36,7432002 VA Total Action Against Poverty in Roanoke Valley $11,695 $11,467 $2,784 $25,945

1999 VT Central Vermont Community Action Council, Inc. $21,793 $62,779 $20,016 $104,5882002 VT Central Vermont Community Action Council, Inc. $6,754 $15,197 $2,401 $24,3522003 VT Central Vermont Community Action Council, Inc. $2,368 $6,969 $0 $9,3372004 VT Central Vermont Community Action Council, Inc. $0 $0 $0 $02002 WA Spokane Neighborhood Action Programs $14,000 $8,761 $7,167 $29,9282003 WA Spokane Neighborhood Action Programs $6,000 $6,611 $3,484 $16,0942004 WA Spokane Neighborhood Action Programs $0 $0 $0 $0



2001 WA United Way of King County $48,000 $12,783 $11,730 $72,5132002 WA United Way of King County $12,000 $6,748 $0 $18,7482003 WA United Way of King County $0 $0 $529 $5292004 WA United Way of King County $0 $0 $0 $02003 WI Boys & Girls Club of Greater Milwaukee $0 $0 $0 $02000 WI CAP Services, Inc. $29,415 $21,417 $37,025 $87,8572001 WI CAP Services, Inc. $28,000 $11,398 $20,163 $59,5612001 WI Catholic Charities of the Diocese of La Crosse, Inc. $6,000 $0 $2,000 $8,0002004 WI Lao Family Community, Inc. $0 $0 $0 $02001 WI Wisconsin Community Action Program Association, Inc. $0 $0 $0 $0

1999 WI Wisconsin Community Action Program Association, Inc. (WISCAP) $0 $0 $0 $01999 WI Wisconsin Women's Business Initiative¹ $35,867 $20,903 $11,306 $68,0762001 WI Wisconsin Women's Business Initiative $33,084 $11,765 $14,153 $59,0022003 WI Wisconsin Women's Business Initiative $0 $0 $0 $0


Appendix R



Grant


Home

Withdrawals

Amount

Amount of

Small

Business

Withdrawals

Amount of

Education

Withdrawals

Total Amount

of

Withdrawals2004 WI YWCA of Greater Milwaukee $0 $0 $0 $0

Total $4,392,895 $2,383,103 $2,035,939 $8,811,938



Appendix S

Other Withdrawals by Accountholders


Grant


Number of

Emergency

Withdrawals

Amount of

Emergency

Withdrawals

Number of

Non-Qualified

Withdrawals

Amount of

Non-Qualified

Withdrawals

Total

Number of

Other

Withdrawals

Total

Amount of

Other

Withdrawals

2001 TX Student Alternatives Program, Inc. 0 $0 11 $5,000 11 $5,0002001 TX United Community Centers, Inc. 1 $1,080 0 $0 1 $1,0802000 TX United Way of the Texas Gulf Coast 136 $100,691 217 $156,231 353 $256,9222004 UT Utah Issues Center for Poverty Research and Action 0 $0 2 $772 2 $772

2001 VA New Enterprises Fund, Inc. 0 $0 18 $6,289 18 $6,2892002 VA New Enterprises Fund, Inc. 0 $0 7 $2,369 7 $2,369

2002 VA New Visions, New Ventures, Inc. 1 $129 1 $75 2 $2042004 VA New Visions, New Ventures, Inc. 0 $0 1 $330 1 $3301999 VA People Incorporated of Southwest Virginia 0 $0 15 $36,743 15 $36,743

2002 VA Total Action Against Poverty in Roanoke Valley 2 $400 23 $7,842 25 $8,2421999 VT Central Vermont Community Action Council, Inc. 0 $0 80 $13,003 80 $13,003

2002 VT Central Vermont Community Action Council, Inc. 0 $0 30 $3,232 30 $3,2322003 VT Central Vermont Community Action Council, Inc. 0 $0 17 $5,743 17 $5,7432004 VT Central Vermont Community Action Council, Inc. 0 $0 4 $216 4 $216

2002 WA Spokane Neighborhood Action Programs 3 $900 2 $2,492 5 $3,3922003 WA Spokane Neighborhood Action Programs 0 $0 7 $5,600 7 $5,600

2004 WA Spokane Neighborhood Action Programs 0 $0 0 $0 0 $02001 WA United Way of King County 0 $0 39 $8,228 39 $8,2282002 WA United Way of King County 0 $0 2 $1,941 2 $1,941

2003 WA United Way of King County 0 $0 7 $718 7 $7182004 WA United Way of King County 0 $0 0 $0 0 $0



2003 WI Boys & Girls Club of Greater Milwaukee 0 $0 0 $0 0 $0

2000 WI CAP Services, Inc. 2 $450 42 $9,162 44 $9,6122001 WI CAP Services, Inc. 19 $12,370 16 $4,094 35 $16,464

2001 WI Catholic Charities of the Diocese of La Crosse, Inc. 8 $1,731 1 $195 9 $1,9262004 WI Lao Family Community, Inc. 0 $0 0 $0 0 $0

2001 WI Wisconsin Community Action Program Association, Inc. 0 $0 0 $0 0 $01999 WI Wisconsin Community Action Program Association, Inc. (WISCAP) 0 $0 0 $0 0 $01999 WI Wisconsin Women's Business Initiative¹ 1 $237 40 $107,083 41 $107,320

2001 WI Wisconsin Women's Business Initiative 89 $23,463 41 $16,344 130 $39,8072003 WI Wisconsin Women's Business Initiative 0 $0 0 $0 0 $0

2004 WI YWCA of Greater Milwaukee 0 $0 0 $0 0 $0

Total 1,306 $677,745 6,916 $3,148,234 8,222 $3,825,979

Appendix S

Other Withdrawals by Accountholders ¹ Administered an AFI grant that concluded at the end of FY 2004 Page 8 of 8

health and human services: afi 2006 report to congress

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