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Community economic and demographic research

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Material Information

Title:
Community economic and demographic research Palm River CDBG area
Physical Description:
1 online resource (i, 23 p.) : maps. ;
Language:
English
Creator:
University of South Florida -- Center for Economic Development Research
Hillsborough County (Fla.) -- Economic Development Dept
Publisher:
Center for Economic Development Research
Place of Publication:
Tampa, Fla
Publication Date:

Subjects

Subjects / Keywords:
Community development -- Florida -- Hillsborough County   ( lcsh )
Genre:
statistics   ( marcgt )
non-fiction   ( marcgt )

Notes

Statement of Responsibility:
prepared for Hillsborough County Economic Development Department by the Center for Economic Development Research, College of Business Administration, University of South Florida.
General Note:
Title from PDF of cover (viewed Oct. 22, 2009).
General Note:
"September 2004."
General Note:
Seven accompanying statistical tables in Excel format issued online in separate file.

Record Information

Source Institution:
University of South Florida Library
Holding Location:
University of South Florida
Rights Management:
All applicable rights reserved by the source institution and holding location.
Resource Identifier:
aleph - 002033374
oclc - 458318524
usfldc doi - C63-00109
usfldc handle - c63.109
System ID:
SFS0000375:00001


This item is only available as the following downloads:


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Community Economic and Demographic Research Palm River CDBG Area Prepared for Hillsborough County Economic Development Department by the CENTER FOR ECONOMIC DEVELOPMENT RESEARCH College of Business Administration 1101 Channelside Dr., 2nd Floor N., Tampa, Florida 33602 Office: (813) 905-5854 or Fax: (813) 905-5856 September 2004

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i Preface In order to determine opportunities for business expansion within their Community Development Block Grant (CDBG) program target areas, the Hillsborough County Economic Development Department commissioned the Center for Economic Development Research (CEDR) to perform two tasks: (1) develop an inventory of businesses and demographic characteristics for a representative, benchmark community, and (2) compare metrics developed in Task (1) to similar metrics for selected CDBG areas to determine the relative scarcity or abundance of business establishments within those areas. This report, and the appropriate tables of the CD “CDBG Area Community Economic and Demographic Research,” are in partial fulfillment of the second task. The Center for Economic Development Research initiates and conducts innovative research on economic development. The Center’s education programs are designed to cultivate excellence in regional development. Our information system serves to enhance development efforts at the University of South Florida, its College of Business, and throughout the Tampa Bay region. Robert Anderson, Dean, College of Business Administration (COBA), USF Dennis Colie, Director, Center for Economic Development Research (CEDR), COBA, USF, Co-principal Investigator Dave Sobush, Research Associate, CEDR, COBA, USF, Economist and Co-principal Investigator September 2004

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1 Introduction In order to assess economic conditions within the county’s Community Development Block Grant (CDBG) program target areas, the Hillsborough County Economic Development Department commissioned CEDR to create an inventory of business establishments within a benchmark CDBG area and to normalize this inventory to the demographic characteristics of the benchmark area. Repeating the same procedure for the Palm River CDBG area, we then compare the Palm River CDBG area to the benchmark for analysis of the relative abundance or scarcity of businesses within the Palm River CDBG area. Methodology Business Establishments Florida’s Agency for Workforce Innovation (AWI) collects monthly employment and wage information for all businesses covered by the state’s unemployment insurance program. Using AWI’s Enhanced Quarterly Unemployment Insurance (EQUI) database, we geocoded all Hillsborough County business that participated in the state’s unemployment insurance program during the third quarter (July-September) of 2003, the latest date for which data was available. By overlaying the shapefile of the Palm River CDBG area, we can isolate those businesses located within the Palm River CDBG area.1 Figure P1 depicts the Palm River CDBG area. Figure P1 – Palm River CDBG Area Palm River For the Palm River CDBG area, we identified 225 business establishments, depicted by the dots in Figure P2 1 All CDBG area shapefiles obtained from Hillsborough County’s GIS website http://maps.hillsboroughcounty.org on April 12th, 2004.

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2 Figure P2 – Palm River CDBG Area Business Establishments # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # ## # # # # # # # # # # # # # # # # # # # # In addition to employment and wage data, the EQUI database also classifies businesses by their NAICS code. Table P1 is the inventory of business establishments within the Palm River CDBG area by NAICS.2 NAICS is the acronym for North American Industrial Classification System, which replaced the Standard Industrial Classification (SIC) code developed by the government to classify industries. NAICS codes range in detail from 2-digit sectors (such as 52 Finance and Insurance) to 6-digit industries (such as 524210 Insurance Agencies and Brokerages). Demographic Characteristics The ArcView Business Analyst software package contains demographic data collected at the block group level. Block groups are subdivisions of Census tracts: small, relatively permanent statistical subdivisions of a county. Census tracts usually have between 2,500 and 8,000 persons and do not cross county boundaries. Table P1S summarizes the demography of the Palm River CDBG area. 2 This table, and others referenced in this report, can be found on the CD “Community Economic and Demographic Research, September 2004.” Table numbers followed by an “S” appear in the body of this report.

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3 Table P1S – Demographic Summary of Palm River CDBG Amount Percent Population (2005) White 4,818 57.87% Black 2,841 34.12% American Indian, Eskimo, or Aleut 64 0.77% Asian or Pacific Islander 159 1.91% Other 444 5.33% Hispanic Origin 2,409 28.93% Total (Excluding Hispanic Origin) 8,326 100.00% Age & Gender (2005) Population Age <18 2,656 31.90% Population Age 65+ 734 8.82% Population Male 4,017 48.25% Population Female 4,309 51.75% Income (2005) Per Capita $ 15,052 n/a Average Household Income $ 47,135 n/a Table P2 is the full demographic report produced using the Business Analyst software. We use the data from this report in conjunction with the business establishment data to calculate the descriptive statistics. Calculation and Analysis of Descriptive Statistics To calculate the descriptive statistics, we take the number of establishments for each industry category, divide by a demographic characteristic, and multiply by 1,000. Therefore, each descriptive statistic represents the number of establishments for every 1,000 of the specified demographic characteristic.3 For instance, in the 3rd quarter of 2003, the Palm River CDBG area had 3 Child Day Care Services establishments (NAICS industry 624410), and a projected 2005 population of 8,326. Thus, the descriptive statistic is 0.3603. In the Palm River CDBG area, for every 1,000 people, there are 0.3603 Child Day Care Services establishments. For this report, we have selected the following demographic characteristics: population, household population, population by major age group, per capita income (all estimated for year 2005) and year 2000 consumer spending patterns. We present the descriptive statistics in Table P3. For analytical purposes, we then present two other tables. Table P4 presents, for each demographic characteristic, the absolute difference between the descriptive statistic 3 Note: “Consumer Expenditures” is expressed in thousands of dollars; therefore, the descriptive statistic shows the number of establishments per million dollars of consumer expenditure.

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4 of the Palm River CDBG area and that of the benchmark area. Table P5 presents, for each demographic characteristic, the percent difference between the descriptive statistic of the Palm River CDBG area and that of the benchmark area. Table P6 and Table P7 present, respectively, those 6-digit NAICS codes found in the Palm River CDBG area, but not in the benchmark area, and those found in the benchmark area, but not in the Palm River CDBG area. We preface our summary with the following caveat: business establishments may be engaged in multiple industries, whereas the unemployment insurance data this report is based upon allows businesses to indicate participation in only one industry. This, in conjunction with the fact that only those businesses participating in the unemployment insurance program are captured in the database (i.e. sole proprietorships are not included in the data), biases our estimates of establishments downward. Summary of Research Findings We summarize our findings by displaying relatively scarce business establishment types, classified by 6-digit NAICS code. The relative differences from the benchmark norm highlight opportunities for business expansion as well as highlight priorities for business retention. In this summary, we present only the absolute descriptive statistic differences for population and per capita income – the demographic characteristics we believe most important to this analysis. We also examined percent differences, but found these differences similar to the absolute differences and therefore do not display them in this summary. Table P2S displays those establishment types with negative absolute differences in the population descriptive statistic from the benchmark norm for the Palm River CDBG area. Normalized for population, these establishment types are scarce in the Palm River CDBG area, relative to the CDBG benchmark area. Table P2S – Palm River CDBG Area Establishment Types Scarce by Population Relative to CDBG Benchmark Area NAICS Description Difference In Population Descriptive Statistic Shortage of Establishments 621111 Offices of Physicians (except Mental Health Specialists) (0.2446) 2.04 722211 Limited-Service Restaurants (0.2198) 1.83 811111 General Automotive Repair (0.2031) 1.69 236115 New Single-Family Housing Construction (except Operative Builders) (0.1161) 0.97 238221 Residential Plumbing and HVAC Contractors (0.0912) 0.76 524126 Direct Property and Casualty Insurance Carriers (0.0788) 0.66 621210 Offices of Dentists (0.0664) 0.55 541219 Other Accounting Services (0.0415) 0.35 541110 Offices of Lawyers (0.0291) 0.24

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5 Table P3S displays those establishment types with negative absolute differences in the per capita income descriptive statistic from the benchmark norm for the Palm River CDBG area. Normalized for per capita income, these establishment types are scarce in the Palm River CDBG area, relative to the CDBG benchmark area. Table P3S – Palm River CDBG Area Establishment Types Scarce by Per Capita Income Relative to CDBG Benchmark Area NAICS Description Difference In Per Capita Income Descriptive Statistic Shortage of Establishments 621111 Offices of Physicians (except Mental Health Specialists) (1.8656) 28.08 722211 Limited-Service Restaurants (1.7631) 26.54 811111 General Automotive Repair (1.2659) 19.05 447110 Gasoline Stations with Convenience Stores (1.0874) 16.37 236115 New Single-Family Housing Construction (except Operative Builders) (0.9072) 13.65 238221 Residential Plumbing and HVAC Contractors (0.8047) 12.11 423830 Industrial Machinery and Equipment Merchant Wholesalers (0.7895) 11.88 561320 Temporary Help Services (0.7895) 11.88 524126 Direct Property and Casualty Insurance Carriers (0.7535) 11.34 441310 Automotive Parts and Accessories Stores (0.7231) 10.88 621210 Offices of Dentists (0.7022) 10.57 722110 Full-Service Restaurants (0.6926) 10.43 624410 Child Day Care Services (0.6718) 10.11 238211 Residential Electrical Contractors (0.6357) 9.57 524210 Insurance Agencies and Brokerages (0.6206) 9.34 541219 Other Accounting Services (0.5998) 9.03 541110 Offices of Lawyers (0.5485) 8.26 531210 Offices of Real Estate Agents and Brokers (0.5333) 8.03 238212 Nonresidential Electrical Contractors (0.4820) 7.25 531110 Lessors of Residential Buildings and Dwellings (0.4820) 7.25 541330 Engineering Services (0.4725) 7.11 713990 All Other Amusement and Recreation Industries (0.4156) 6.26 423450 Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesalers (0.3948) 5.94 424910 Farm Supplies Merchant Wholesalers (0.3435) 5.17 722410 Drinking Places (Alcoholic Beverages) (0.3435) 5.17 445120 Convenience Stores (0.3283) 4.94 811310 Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance (0.3283) 4.94 493110 General Warehousing and Storage (0.3131) 4.71 445110 Supermarkets and Other Grocery (except Convenience) Stores (0.2788) 4.20 444190 Other Building Material Dealers (0.2770) 4.17 517310 Telecommunications Resellers (0.2770) 4.17 423310 Other Construction Material Merchant Wholesalers (0.2411) 3.63 423690 Other Electronic Parts and Equipment Merchant Wholesalers (0.2411) 3.63

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6 Table P3S (Continued) – Palm River CDBG Area Establishment Types Scarce by Per Capita Income Relative to CDBG Benchmark Area NAICS Description Difference In Per Capita Income Descriptive Statistic Shortage of Establishments 424990 Other Miscellaneous Nondurable Goods Merchant Wholesalers (0.2411) 3.63 444110 Home Centers (0.2411) 3.63 484220 Special Freight (except Used Goods) Trucking, Local (0.2411) 3.63 517212 Cellular and Other Wireless telecommunications (0.2411) 3.63 814110 Private Households (0.2411) 3.63 424130 Industrial and Personal Service Paper Merchant Wholesalers (0.2258) 3.40 443112 Radio, Television, and Other Electronic Stores (0.2258) 3.40 484121 General freight trucking, Long-distance, Truckload (0.2258) 3.40 811121 Automotive Body, Paint, and Interior Repair and Maintenance (0.2258) 3.40 238912 Nonresidential Site Preparation Contractors (0.1898) 2.86 423110 Automobile and Other Motor Vehicle Merchant Wholesalers (0.1898) 2.86 423610 Electrical Apparatus and Equipment, Wiring Supplies, and Related Equipment Merchant Wholesalers (0.1898) 2.86 441320 Tire Dealers (0.1898) 2.86 484210 Used Household and Office goods Moving (0.1898) 2.86 522292 Real Estate Credit (0.1898) 2.86 517110 Wired Telecommunications Carriers (0.1802) 2.71 423930 Recyclable Material Merchant Wholesalers (0.1746) 2.63 238141 Residential Masonry Contractors (0.1386) 2.09 238161 Residential Roofing Contractors (0.1386) 2.09 444130 Hardware Stores (0.1386) 2.09 454113 Mail-Order Houses (0.1386) 2.09 531130 Lessors of Miniwarehouses and Self-Storage Units (0.1386) 2.09 561310 Employment Placement Agencies (0.1386) 2.09 561740 Carpet and Upholstery Cleaning Services (0.1386) 2.09 561790 Other Services to Buildings and Dwellings (0.1386) 2.09 811192 Car Washes (0.1386) 2.09 811412 Appliance Repair and Maintenance (0.1386) 2.09 812320 Drycleaning and Laundry Services (except Coin-Operated) (0.1386) 2.09 813110 Religious Organization (0.1386) 2.09 423120 Motor Vehicle Supplies and New Parts Merchant Wholesalers (0.1233) 1.86 454210 Vending Machine Operators (0.1233) 1.86 518210 Data Processing, Hosting, and Related Services (0.1233) 1.86 532299 All Other Consumer Goods Rental (0.1233) 1.86 452990 All Other General Merchandise Stores (0.1082) 1.63 561330 Professional Employer Organization (0.1082) 1.63 423390 Other Construction Material Merchant Wholesalers (0.0873) 1.31 423860 Transportation Equipment and Supplies (except Motor Vehicle) Merchant Wholesalers (0.0873) 1.31

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7 Table P3S (Continued) – Palm River CDBG Area Establishment Types Scarce by Per Capita Income Relative to CDBG Benchmark Area NAICS Description Difference In Per Capita Income Descriptive Statistic Shortage of Establishments 488510 Freight Transportation (0.0873) 1.31 532412 Construction, Mining, and Forestry Machinery and Equipment Rental and Leasing (0.0873) 1.31 561710 Exterminating and Pest Control Services (0.0873) 1.31 621310 Offices of Chiropractors (0.0873) 1.31 621498 All other Outpatient Care Centers (0.0873) 1.31 221310 Water Supply and Irrigation Systems (0.0721) 1.08 238111 Residential Poured Foundation Contractors (0.0721) 1.08 238222 Nonresidential Plumbing and HVAC Contractors (0.0721) 1.08 321920 Wood Container and Pallet Manufacturing (0.0721) 1.08 448120 Women's Clothing Stores (0.0721) 1.08 561621 Security Systems Services (except Locksmiths) (0.0721) 1.08 423810 Construction and Mining (except Oil Well) Machinery and Equipment Merchant Wholesalers (0.0569) 0.86 221112 Electric Power Distribution (0.0417) 0.63 238122 Nonresidential Structural Steel Contractors (0.0361) 0.54 322211 Corrugated and Solid Fiber Box Manufacturing (0.0361) 0.54 335121 Residential Electric Lighting Fixture Manufacturing (0.0361) 0.54 423720 Plumbing and Heating Equipment and Supplies (Hydronics) Merchant Wholesalers (0.0361) 0.54 423730 Warm Air Heating and Air-conditioning Equipment and Supplies Merchant Wholesalers (0.0361) 0.54 424210 Drugs and Druggists' Sundries Merchant Wholesalers (0.0361) 0.54 441229 All other Motor Vehicle Dealers (0.0361) 0.54 488390 Other Support Activities for Water Transportation (0.0361) 0.54 488410 Motor Vehicle (0.0361) 0.54 523120 Securities Brokerage (0.0361) 0.54 524114 Direct Health and Medical Insurance Carriers (0.0361) 0.54 531390 Other Activities Related to Real Estate (0.0361) 0.54 541310 Architectural Services (0.0361) 0.54 541380 Testing Laboratories (0.0361) 0.54 561612 Security Guards and Patrol Services (0.0361) 0.54 562119 Other Waste Collection (0.0361) 0.54 621512 Diagnostic Imaging Centers (0.0361) 0.54 624120 Services for the Elderly and Persons with Disabilities (0.0361) 0.54 811212 Computer and Office Machine Repair and Maintenance (0.0361) 0.54 812111 Barber Shops (0.0361) 0.54 423710 Hardware Merchant Wholesalers (0.0208) 0.31 424120 Stationery and Office supplies Merchant Wholesalers (0.0208) 0.31 425110 Business to Business Electronic Markets (0.0208) 0.31 453910 Pet and Pet Supplies Stores (0.0208) 0.31 532120 Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasing (0.0208) 0.31 561422 Telemarketing Bureaus (0.0208) 0.31

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8 Table P4S displays those establishment types present in the CDBG benchmark area, but absent in the Palm River CDBG area. By definition, these establishment types are scarce in the Palm River CDBG area relative to the CDBG benchmark area. We also present, normalized for population, the relative shortage of establishments in the Palm River CDBG area for these establishment types. Table P4S – Population Descriptive Statistics and Shortage of Establishments for Establishment Types Present in CDBG Benchmark Area, but not in Palm River CDBG Area NAICS Description Number of Establishments Descriptive Statistic Shortage of Establishments 561730 Landscaping Services 27 0.3357 2.79 425120 Wholesale Trade Agents and Brokers 25 0.3108 2.59 111219 Other Vegetables (except Potato) and Melon Farming 13 0.1616 1.35 541512 Computer Systems Design Services 12 0.1492 1.24 111333 Strawberry Farming 11 0.1368 1.14 238991 All other Residential Trade Contractors 10 0.1243 1.04 561110 Office Administrative Services 10 0.1243 1.04 721110 Hotels (except Casino Hotels) and Motels 10 0.1243 1.04 541511 Custom Computer Programming Services 9 0.1119 0.93 238311 Residential Drywall Contractors 8 0.0995 0.83 111421 Nursery and Tree Production 7 0.0870 0.72 522110 Commercial Banking 7 0.0870 0.72 531190 Lessors of Other Real Estate Property 7 0.0870 0.72 561720 Janitorial Services 7 0.0870 0.72 111310 Orange Groves 6 0.0746 0.62 423990 Other Miscellaneous Durable Goods Merchants Wholesalers 6 0.0746 0.62 446110 Pharmacies and Drug Stores 6 0.0746 0.62 531311 Residential Property Managers 6 0.0746 0.62 541940 Veterinary Services 6 0.0746 0.62 812112 Beauty Salons 6 0.0746 0.62 813410 Civic and Social Organizations 6 0.0746 0.62 111422 Floriculture Production 5 0.0622 0.52 236118 Residential Remodelers 5 0.0622 0.52 237210 Land Subdivision 5 0.0622 0.52 237310 Highway, Street, and Bridge Construction 5 0.0622 0.52 423430 Computer and Computer Peripheral Equipment and Software Merchant Wholesalers 5 0.0622 0.52 423820 Farm and Garden Machinery and Equipment Merchant Wholesalers 5 0.0622 0.52 424490 Other Grocery and Related Products Merchant Wholesalers 5 0.0622 0.52 453110 Florists 5 0.0622 0.52 453998 All Other Miscellaneous Store Retailers (except Tobacco Stores) 5 0.0622 0.52 522310 Mortgage and Nonmortgage Loan Brokers 5 0.0622 0.52 541611 Administrative Management and General Management 5 0.0622 0.52

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9 Table P4S (Continued) – Population Descriptive Statistics and Shortage of Establishments for Establishment Types Present in CDBG Benchmark Area, but not in Palm River CDBG Area NAICS Description Number of Establishments Descriptive Statistic Shortage of Establishments 541613 Marketing consulting Services 5 0.0622 0.52 551114 Corporate, subsidiary, and Regional Managing Offices 5 0.0622 0.52 722310 Food Service Contractors 5 0.0622 0.52 811490 Other Personal and Household Goods Repair and Maintenance 5 0.0622 0.52 813910 Business Associations 5 0.0622 0.52 813930 Labor Unions and Similar Labor Organizations 5 0.0622 0.52 236220 Commercial and Industrial Building Construction 4 0.0497 0.41 238321 Residential Painting Contractors 4 0.0497 0.41 238331 Residential Flooring Contractors 4 0.0497 0.41 332312 Fabricated Structural Metal Manufacturing 4 0.0497 0.41 337110 Wood Kitchen Cabinet and Countertop Manufacturing 4 0.0497 0.41 424480 Fresh Fruit and Vegetable Merchant Wholesalers 4 0.0497 0.41 441110 New Car Dealers 4 0.0497 0.41 443120 Computer and Software Stores 4 0.0497 0.41 453210 Office Supplies and Stationery Stores 4 0.0497 0.41 522298 All Other Nondepository Credit Intermediation 4 0.0497 0.41 531320 Offices of Real Estate Appraisers 4 0.0497 0.41 532291 Home Health Equipment Rental 4 0.0497 0.41 541211 Offices of Certified Public Accountants 4 0.0497 0.41 561990 All Other Support Services 4 0.0497 0.41 621610 Home Health Care Services 4 0.0497 0.41 622110 General Medical and Surgical Hospitals 4 0.0497 0.41 237110 Water and Sewer Line and Related Structures Construction 3 0.0373 0.31 237990 Other Heavy and Civil Engineering Construction 3 0.0373 0.31 238121 Residential Structural Steel Contractors 3 0.0373 0.31 238131 Residential Farming Contractors 3 0.0373 0.31 238151 Residential Glass and Glazing Contractors 3 0.0373 0.31 238341 Residential Tile and Terrazzo Contractors 3 0.0373 0.31 238351 Residential Finish Carpentry Contractors 3 0.0373 0.31 333111 Farm Machinery and Equipment Manufacturing 3 0.0373 0.31 333911 Pump and Pumping Equipment Manufacturing 3 0.0373 0.31 339116 Dental Laboratories 3 0.0373 0.31 424610 Plastics Materials and Basic Forms and Shapes merchant Wholesalers 3 0.0373 0.31 424930 Flower, Nursery Stock, and Florists' supplies Merchant Wholesalers 3 0.0373 0.31 442210 Floor Covering Stores 3 0.0373 0.31 443111 Household Appliance Stores 3 0.0373 0.31 444220 Nursery, Garden Center, and Farm Supply Stores 3 0.0373 0.31 445230 Fruit and Vegetable Markets 3 0.0373 0.31 448140 Family Clothing Stores 3 0.0373 0.31 451110 Sporting Good Stores 3 0.0373 0.31

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10 Table P4S (Continued) – Population Descriptive Statistics and Shortage of Establishments for Establishment Types Present in CDBG Benchmark Area, but not in Palm River CDBG Area NAICS Description Number of Establishments Descriptive Statistic Shortage of Establishments 453220 Gift, Novelty, and Souvenir Stores 3 0.0373 0.31 484122 General Freight trucking, Log Distance, Less Than Truckload 3 0.0373 0.31 493190 Other Warehousing and Storage 3 0.0373 0.31 511120 Periodical Publishers 3 0.0373 0.31 522220 Sales Financing 3 0.0373 0.31 524291 Claims Adjusting 3 0.0373 0.31 531120 Lessors and Nonresidential Buildings (except Miniwarehouses) 3 0.0373 0.31 532230 Video Tape and Disc Rental 3 0.0373 0.31 541320 Landscape Architectural Services 3 0.0373 0.31 541618 Other Management Consulting Services 3 0.0373 0.31 541620 Environmental Consulting Services 3 0.0373 0.31 541890 Other Services Related to Advertising 3 0.0373 0.31 541990 All Other Professional, Scientific, and Technical Services 3 0.0373 0.31 611310 Colleges, Universities, and Professional Schools 3 0.0373 0.31 611430 Professional and Management Development Training 3 0.0373 0.31 621340 Offices of Physical, Occupational and Speech Therapists, and Audiologists 3 0.0373 0.31 713930 Marinas 3 0.0373 0.31 713940 Fitness and Recreational Sports Centers 3 0.0373 0.31 722213 Snack and Nonalcoholic Beverage Bars 3 0.0373 0.31 811118 Other Automotive Mechanical and Electrical Repair and Maintenance 3 0.0373 0.31 812910 Pet Care (except Veterinary) Services 3 0.0373 0.31 813990 Other Similar Organizations (except Business, Professional, Labor, and Political Organizations) 3 0.0373 0.31 112111 Beef Cattle Ranching and Farming 2 0.0249 0.21 115112 Soil Preparation, Planting, and Cultivating 2 0.0249 0.21 115114 Postharvest Crop Activities (except Cotton Ginning) 2 0.0249 0.21 115115 Farm Labor contractors and Crew Leaders 2 0.0249 0.21 238291 Other Residential Equipment Contractors 2 0.0249 0.21 238292 Other Nonresidential Equipment Contractors 2 0.0249 0.21 238352 Nonresidential Finish Carpentry Contractors 2 0.0249 0.21 238392 Other Nonresidential Finishing Contractors 2 0.0249 0.21 312111 Soft Drink Manufacturing 2 0.0249 0.21 312113 Ice Manufacturing 2 0.0249 0.21 312229 Other Tobacco Product Manufacturing 2 0.0249 0.21 326299 All Other Rubber Product Manufacturing 2 0.0249 0.21 331316 Aluminum Extruded Product Manufacturing 2 0.0249 0.21 332323 Ornamental and Architectural Metal Work Manufacturing 2 0.0249 0.21 334290 Other Communications Equipment Manufacturing 2 0.0249 0.21 334417 Electronic Connector Manufacturing 2 0.0249 0.21 423130 Tire and Tube Merchant Wholesalers 2 0.0249 0.21

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11 Table P4S (Continued) – Population Descriptive Statistics and Shortage of Establishments for Establishment Types Present in CDBG Benchmark Area, but not in Palm River CDBG Area NAICS Description Number of Establishments Descriptive Statistic Shortage of Establishments 423220 Home Furnishing Merchant Wholesalers 2 0.0249 0.21 423440 Other Commercial Equipment Merchant Wholesalers 2 0.0249 0.21 423490 Other Professional Equipment and Supplies Merchant Wholesalers 2 0.0249 0.21 424410 General Line Grocery Merchant Wholesalers 2 0.0249 0.21 424690 Other chemical and Allied Products Merchant Wholesalers 2 0.0249 0.21 441222 Boat Dealers 2 0.0249 0.21 442110 Furniture Stores 2 0.0249 0.21 442299 Other Home Furnishings Stores 2 0.0249 0.21 445299 All Other Specialty Food Stores 2 0.0249 0.21 448210 Shoe Stores 2 0.0249 0.21 448310 Jewelry Stores 2 0.0249 0.21 453310 Used Merchandise Stores 2 0.0249 0.21 453991 Tobacco Stores 2 0.0249 0.21 484110 General Freight Trucking, Local 2 0.0249 0.21 522120 Savings Institutions 2 0.0249 0.21 522130 Credit Unions 2 0.0249 0.21 532111 Passenger Car Rental 2 0.0249 0.21 532310 General Rental Centers 2 0.0249 0.21 541213 Tax Preparation Services 2 0.0249 0.21 541350 Building Inspection Services 2 0.0249 0.21 541612 Human Resources and Executive Search Consulting Services 2 0.0249 0.21 541720 Research and Development in the Social Sciences and Humanities 2 0.0249 0.21 561510 Travel Agencies 2 0.0249 0.21 611710 Educational Support Services 2 0.0249 0.21 621320 Offices of Optometrists 2 0.0249 0.21 621511 Medical Laboratories 2 0.0249 0.21 624310 Vocational Rehabilitation Services 2 0.0249 0.21 711510 Independent Artists, Writers, and Performers 2 0.0249 0.21 713910 Golf Courses and Country Clubs 2 0.0249 0.21 722320 Caterers 2 0.0249 0.21 811112 Automotive Exhaust System Repair 2 0.0249 0.21 811122 Automotive Glass Replacement Shops 2 0.0249 0.21 811191 Automotive Oil Change and Lubrication Shops 2 0.0249 0.21 811198 All Other Automotive Repair and Maintenance 2 0.0249 0.21 811219 Other Electronic and Precision Equipment Repair and Maintenance 2 0.0249 0.21 812199 Other Personal Care Services 2 0.0249 0.21 812310 Coin-Operated Laundries and Drycleaners 2 0.0249 0.21 111334 Berry (except Strawberry) Farming 1 0.0124 0.10 111419 Other Food Crops Grown Under Cover 1 0.0124 0.10

PAGE 14

12 Table P4S (Continued) – Population Descriptive Statistics and Shortage of Establishments for Establishment Types Present in CDBG Benchmark Area, but not in Palm River CDBG Area NAICS Description Number of Establishments Descriptive Statistic Shortage of Establishments 112210 Hog and Pig Farming 1 0.0124 0.10 112511 Finfish Farming and Fish Hatcheries 1 0.0124 0.10 115210 Support Activities for Animal Production 1 0.0124 0.10 236116 New Multifamily Housing Construction (except Operative Builders) 1 0.0124 0.10 236117 New Housing Operative Builders 1 0.0124 0.10 237130 Power and Communication Line and Related Structures Construction 1 0.0124 0.10 238142 Nonresidential Masonry Contractors 1 0.0124 0.10 238162 Nonresidential Roofing Contractors 1 0.0124 0.10 238191 Other Residential Exterior Contractors 1 0.0124 0.10 238312 Nonresidential Drywall Contractors 1 0.0124 0.10 238322 Nonresidential Painting Contractors 1 0.0124 0.10 238391 Other Residential Finishing Contractors 1 0.0124 0.10 238911 Residential Site Preparation Contractors 1 0.0124 0.10 311520 Ice Cream and Frozen Dessert Manufacturing 1 0.0124 0.10 311611 Animal (except Poultry) Slaughtering 1 0.0124 0.10 311712 Fresh and Frozen Seafood Processing 1 0.0124 0.10 311811 Retail Bakeries 1 0.0124 0.10 311823 Dry Pasta Manufacturing 1 0.0124 0.10 313311 Broadwoven Fabric Finishing Mills 1 0.0124 0.10 314129 Other Household Textile Product Mills 1 0.0124 0.10 315232 Women's and Girls' Cut and Sew Blouse and Shirt Manufacturing 1 0.0124 0.10 316999 All Other Leather Good Manufacturing 1 0.0124 0.10 321113 Sawmills 1 0.0124 0.10 321114 Wood Preservation 1 0.0124 0.10 321214 Truss Manufacturing 1 0.0124 0.10 323114 Quick Printing 1 0.0124 0.10 323115 Digital Printing 1 0.0124 0.10 323116 Manifold Business Forms Printing 1 0.0124 0.10 325412 Pharmaceutical Preparation Manufacturing 1 0.0124 0.10 325612 Polish and Other Sanitation Good Manufacturing 1 0.0124 0.10 326113 Unlaminated Plastics Film and Sheet 1 0.0124 0.10 326122 Plastic Pipe and Pipe fitting Manufacturing 1 0.0124 0.10 326140 Polystyrene Foam Product Manufacturing 1 0.0124 0.10 326199 All Other Plastics Product Manufacturing 1 0.0124 0.10 327121 Brick and Structural Clay Tile Manufacturing 1 0.0124 0.10 327993 Mineral Wool Manufacturing 1 0.0124 0.10 331319 Other Aluminum Rolling and Drawing 1 0.0124 0.10 332116 Metal Stamping 1 0.0124 0.10 332213 Saw Blade and Handsaw Manufacturing 1 0.0124 0.10 332420 Metal Tank (Heavy Gauge) Manufacturing 1 0.0124 0.10

PAGE 15

13 Table P4S (Continued) – Population Descriptive Statistics and Shortage of Establishments for Establishment Types Present in CDBG Benchmark Area, but not in Palm River CDBG Area NAICS Description Number of Establishments Descriptive Statistic Shortage of Establishments 332510 Hardware Manufacturing 1 0.0124 0.10 332813 Electroplating, Plating, Polishing, Anodizing, and Coloring 1 0.0124 0.10 333312 Commercial Laundry, Drycleaning, and Pressing Machine Manufacturing 1 0.0124 0.10 333411 Air Purification Equipment Manufacturing 1 0.0124 0.10 333613 Mechanical Power Transmission Equipment Manufacturing 1 0.0124 0.10 334111 Electroplating, Plating, Polishing, Anodizing, and Coloring 1 0.0124 0.10 334119 Other Computer Peripheral Equipment Manufacturing 1 0.0124 0.10 334515 Instrument Manufacturing for Measuring and Testing Electricity and Electrical Signals 1 0.0124 0.10 334519 Other Measuring and Controlling Device Manufacturing 1 0.0124 0.10 335931 Current-Carrying Wiring Device Manufacturing 1 0.0124 0.10 336211 Motor Vehicle Body Manufacturing 1 0.0124 0.10 336413 Other Aircraft Parts and Auxiliary Equipment 1 0.0124 0.10 339112 Surgical and Medical Instrument Manufacturing 1 0.0124 0.10 339113 Surgical Appliance and Supplies Manufacturing 1 0.0124 0.10 339920 Sporting and Athletic Goods Manufacturing 1 0.0124 0.10 339950 Sign Manufacturing 1 0.0124 0.10 423210 Furniture Merchant Wholesalers 1 0.0124 0.10 423320 Brick, Stone, and Related Construction Material Merchant Wholesalers 1 0.0124 0.10 423330 Roofing, Siding, and Insulation Material Merchant Wholesalers 1 0.0124 0.10 423420 Office Equipment Merchant Wholesalers 1 0.0124 0.10 423510 Metal Service Centers and Other Metal Merchant Wholesalers 1 0.0124 0.10 423740 Refrigeration Equipment and Supplies Merchant Wholesalers 1 0.0124 0.10 423840 Industrial Supplies Merchant Wholesalers 1 0.0124 0.10 423910 Sporting and Recreational Goods and Supplies Merchant Wholesalers 1 0.0124 0.10 424420 Packaged Frozen Food Merchant Wholesalers 1 0.0124 0.10 424460 Fish and Seafood Merchant Wholesalers 1 0.0124 0.10 424470 Meat and Meat Product Merchant Wholesalers 1 0.0124 0.10 424710 Petroleum Bulk Stations and Terminals 1 0.0124 0.10 424720 Petroleum and Petroleum Products Merchant Wholesalers (except Bulk Stations and Terminals) 1 0.0124 0.10 424820 Wine and Distilled Alcoholic Beverage Merchant Wholesalers 1 0.0124 0.10 424950 Paint, Varnish, and Supplies Merchant Wholesalers 1 0.0124 0.10 441210 Recreational Vehicle Dealers 1 0.0124 0.10 444120 Paint and Wall Paper Stores 1 0.0124 0.10 445210 Meat Markets 1 0.0124 0.10 445220 Fish and Seafood Markets 1 0.0124 0.10 445310 Beer, wine, and Liquor Stores 1 0.0124 0.10

PAGE 16

14 Table P4S (Continued) – Population Descriptive Statistics and Shortage of Establishments for Establishment Types Present in CDBG Benchmark Area, but not in Palm River CDBG Area NAICS Description Number of Establishments Descriptive Statistic Shortage of Establishments 446120 Cosmetics, Beauty Supplies, and Perfume Stores 1 0.0124 0.10 446191 Food (Health) supplement Stores 1 0.0124 0.10 446199 All Other Health and Personal Care Stores 1 0.0124 0.10 448130 Children's and Infants' clothing Stores 1 0.0124 0.10 448190 Other Clothing Stores 1 0.0124 0.10 451120 Hobby, Toy, and Game Stores 1 0.0124 0.10 452112 Discount Department Stores 1 0.0124 0.10 453920 Art Dealers 1 0.0124 0.10 453930 Manufactured (Mobile) Home Dealers 1 0.0124 0.10 454312 Liquefied Petroleum Gas (Bottled Gas) Dealers 1 0.0124 0.10 484230 Specialize Freight (except Used Goods) Trucking, LongDistance 1 0.0124 0.10 488190 Other Support Activities for Air Transportation 1 0.0124 0.10 488330 Navigational Services to Shipping 1 0.0124 0.10 491110 Postal Service 1 0.0124 0.10 492110 Couriers 1 0.0124 0.10 492210 Local Messengers and Local Delivery 1 0.0124 0.10 512110 Motion Picture and Video Production 1 0.0124 0.10 512132 Drive-In Motion Picture Theaters 1 0.0124 0.10 515210 Cable and Other Subscription Programming 1 0.0124 0.10 518111 Internet Service Providers 1 0.0124 0.10 518112 Web Search Portals 1 0.0124 0.10 523110 Investment Banking and Securities Dealing 1 0.0124 0.10 523910 Miscellaneous Intermediation 1 0.0124 0.10 523930 Investment Advice 1 0.0124 0.10 523991 Trust, Fiduciary, and Custody Activities 1 0.0124 0.10 524113 Direct Life Insurance Carriers 1 0.0124 0.10 531312 Nonresidential Property Managers 1 0.0124 0.10 532220 Formal Wear and Costume Rental 1 0.0124 0.10 532490 Other Commercial and Industrial Machinery and Equipment Rental and Leasing 1 0.0124 0.10 533110 Lessors of Nonfinancial Intangible Assets (except Copyrighted Works) 1 0.0124 0.10 541199 All Other Legal Services 1 0.0124 0.10 541340 Drafting Services 1 0.0124 0.10 541370 Surveying and Mapping (except Geophysical) Services 1 0.0124 0.10 541430 Graphic Design Services 1 0.0124 0.10 541519 Other Computer Related Services 1 0.0124 0.10 541614 Process, Physical Distribution, and Logistics Consulting Services 1 0.0124 0.10 541690 Other Scientific and Technical Consulting Services 1 0.0124 0.10 541830 Media Buying Agencies 1 0.0124 0.10 551112 Offices of Other Holding Companies 1 0.0124 0.10 561591 Convention and Visitor Bureaus 1 0.0124 0.10

PAGE 17

15 Table P4S (Continued) – Population Descriptive Statistics and Shortage of Establishments for Establishment Types Present in CDBG Benchmark Area, but not in Palm River CDBG Area NAICS Description Number of Establishments Descriptive Statistic Shortage of Establishments 561611 Investigation Services 1 0.0124 0.10 561622 Locksmiths 1 0.0124 0.10 561910 Packaging and Labeling Services 1 0.0124 0.10 562111 Solid Waste Collection 1 0.0124 0.10 611610 Fine Arts Schools 1 0.0124 0.10 621112 Offices of Physicians, Mental Health Specialists 1 0.0124 0.10 621420 Outpatient Mental Health and Substance Abuse Centers 1 0.0124 0.10 623990 Other Residential Care Facilities 1 0.0124 0.10 624190 Other Individual and Family Services 1 0.0124 0.10 624221 Temporary Shelters 1 0.0124 0.10 711190 Other Performing Arts Companies 1 0.0124 0.10 711410 Agents and Managers for Artists, Athletes, Entertainers, and Other Public Figures 1 0.0124 0.10 721211 RV (Recreational Vehicle) Parks and Campgrounds 1 0.0124 0.10 722212 Cafeterias 1 0.0124 0.10 722330 Mobile Food Services 1 0.0124 0.10 812113 Nail Salons 1 0.0124 0.10 812191 Diet and Weight Reducing Centers 1 0.0124 0.10 812210 Funeral Homes and Funeral Services 1 0.0124 0.10 812332 Industrial Launderers 1 0.0124 0.10 Table P5S displays those establishment types present in the CDBG benchmark area, but absent in the Palm River CDBG area. By definition, these establishment types are scarce in the Palm River CDBG area relative to the CDBG benchmark area. We also present, normalized for per capita income, the relative shortage of establishments in the Palm River CDBG area for these establishment types. Table P5S – Per Capita Income Descriptive Statistics and Shortage of Establishments for Establishment Types Present in CDBG Benchmark Area, but not in Palm River CDBG Area NAICS Description Number of Establishments Descriptive Statistic Shortage of Establishments 561730 Landscaping Services 27 1.3835 20.82 425120 Wholesale Trade Agents and Brokers 25 1.2811 19.28 111219 Other Vegetables (except Potato) and Melon Farming 13 0.6662 10.03 541512 Computer Systems Design Services 12 0.6149 9.26 111333 Strawberry Farming 11 0.5637 8.48 238991 All other Residential Trade Contractors 10 0.5124 7.71 561110 Office Administrative Services 10 0.5124 7.71 721110 Hotels (except Casino Hotels) and Motels 10 0.5124 7.71 541511 Custom Computer Programming Services 9 0.4612 6.94 238311 Residential Drywall Contractors 8 0.4099 6.17 111421 Nursery and Tree Production 7 0.3587 5.40 522110 Commercial Banking 7 0.3587 5.40

PAGE 18

16 Table P5S (Continued) – Per Capita Income Descriptive Statistics and Shortage of Establishments for Establishment Types Present in CDBG Benchmark Area, but not in Palm River CDBG Area NAICS Description Number of Establishments Descriptive Statistic Shortage of Establishments 531190 Lessors of Other Real Estate Property 7 0.3587 5.40 561720 Janitorial Services 7 0.3587 5.40 111310 Orange Groves 6 0.3075 4.63 423990 Other Miscellaneous Durable Goods Merchants Wholesalers 6 0.3075 4.63 446110 Pharmacies and Drug Stores 6 0.3075 4.63 531311 Residential Property Managers 6 0.3075 4.63 541940 Veterinary Services 6 0.3075 4.63 812112 Beauty Salons 6 0.3075 4.63 813410 Civic and Social Organizations 6 0.3075 4.63 111422 Floriculture Production 5 0.2562 3.86 236118 Residential Remodelers 5 0.2562 3.86 237210 Land Subdivision 5 0.2562 3.86 237310 Highway, Street, and Bridge Construction 5 0.2562 3.86 423430 Computer and Computer Peripheral Equipment and Software Merchant Wholesalers 5 0.2562 3.86 423820 Farm and Garden Machinery and Equipment Merchant Wholesalers 5 0.2562 3.86 424490 Other Grocery and Related Products Merchant Wholesalers 5 0.2562 3.86 453110 Florists 5 0.2562 3.86 453998 All Other Miscellaneous Store Retailers (except Tobacco Stores) 5 0.2562 3.86 522310 Mortgage and Nonmortgage Loan Brokers 5 0.2562 3.86 541611 Administrative Management and General Management 5 0.2562 3.86 541613 Marketing consulting Services 5 0.2562 3.86 551114 Corporate, subsidiary, and Regional Managing Offices 5 0.2562 3.86 722310 Food Service Contractors 5 0.2562 3.86 811490 Other Personal and Household Goods Repair and Maintenance 5 0.2562 3.86 813910 Business Associations 5 0.2562 3.86 813930 Labor Unions and Similar Labor Organizations 5 0.2562 3.86 236220 Commercial and Industrial Building Construction 4 0.2050 3.09 238321 Residential Painting Contractors 4 0.2050 3.09 238331 Residential Flooring Contractors 4 0.2050 3.09 332312 Fabricated Structural Metal Manufacturing 4 0.2050 3.09 337110 Wood Kitchen Cabinet and Countertop Manufacturing 4 0.2050 3.09 424480 Fresh Fruit and Vegetable Merchant Wholesalers 4 0.2050 3.09 441110 New Car Dealers 4 0.2050 3.09 443120 Computer and Software Stores 4 0.2050 3.09 453210 Office Supplies and Stationery Stores 4 0.2050 3.09 522298 All Other Nondepository Credit Intermediation 4 0.2050 3.09 531320 Offices of Real Estate Appraisers 4 0.2050 3.09 532291 Home Health Equipment Rental 4 0.2050 3.09 541211 Offices of Certified Public Accountants 4 0.2050 3.09 561990 All Other Support Services 4 0.2050 3.09 621610 Home Health Care Services 4 0.2050 3.09 622110 General Medical and Surgical Hospitals 4 0.2050 3.09

PAGE 19

17 Table P5S (Continued) – Per Capita Income Descriptive Statistics and Shortage of Establishments for Establishment Types Present in CDBG Benchmark Area, but not in Palm River CDBG Area NAICS Description Number of Establishments Descriptive Statistic Shortage of Establishments 237110 Water and Sewer Line and Related Structures Construction 3 0.1537 2.31 237990 Other Heavy and Civil Engineering Construction 3 0.1537 2.31 238121 Residential Structural Steel Contractors 3 0.1537 2.31 238131 Residential Farming Contractors 3 0.1537 2.31 238151 Residential Glass and Glazing Contractors 3 0.1537 2.31 238341 Residential Tile and Terrazzo Contractors 3 0.1537 2.31 238351 Residential Finish Carpentry Contractors 3 0.1537 2.31 333111 Farm Machinery and Equipment Manufacturing 3 0.1537 2.31 333911 Pump and Pumping Equipment Manufacturing 3 0.1537 2.31 339116 Dental Laboratories 3 0.1537 2.31 424610 Plastics Materials and Basic Forms and Shapes merchant Wholesalers 3 0.1537 2.31 424930 Flower, Nursery Stock, and Florists' supplies Merchant Wholesalers 3 0.1537 2.31 442210 Floor Covering Stores 3 0.1537 2.31 443111 Household Appliance Stores 3 0.1537 2.31 444220 Nursery, Garden Center, and Farm Supply Stores 3 0.1537 2.31 445230 Fruit and Vegetable Markets 3 0.1537 2.31 448140 Family Clothing Stores 3 0.1537 2.31 451110 Sporting Good Stores 3 0.1537 2.31 453220 Gift, Novelty, and Souvenir Stores 3 0.1537 2.31 484122 General Freight trucking, Log Distance, Less Than Truckload 3 0.1537 2.31 493190 Other Warehousing and Storage 3 0.1537 2.31 511120 Periodical Publishers 3 0.1537 2.31 522220 Sales Financing 3 0.1537 2.31 524291 Claims Adjusting 3 0.1537 2.31 531120 Lessors and Nonresidential Buildings (except Miniwarehouses) 3 0.1537 2.31 532230 Video Tape and Disc Rental 3 0.1537 2.31 541320 Landscape Architectural Services 3 0.1537 2.31 541618 Other Management Consulting Services 3 0.1537 2.31 541620 Environmental Consulting Services 3 0.1537 2.31 541890 Other Services Related to Advertising 3 0.1537 2.31 541990 All Other Professional, Scientific, and Technical Services 3 0.1537 2.31 611310 Colleges, Universities, and Professional Schools 3 0.1537 2.31 611430 Professional and Management Development Training 3 0.1537 2.31 621340 Offices of Physical, Occupational and Speech Therapists, and Audiologists 3 0.1537 2.31 713930 Marinas 3 0.1537 2.31 713940 Fitness and Recreational Sports Centers 3 0.1537 2.31 722213 Snack and Nonalcoholic Beverage Bars 3 0.1537 2.31 811118 Other Automotive Mechanical and Electrical Repair and Maintenance 3 0.1537 2.31 812910 Pet Care (except Veterinary) Services 3 0.1537 2.31 813990 Other Similar Organizations (except Business, Professional, Labor, and Political Organizations) 3 0.1537 2.31 112111 Beef Cattle Ranching and Farming 2 0.1025 1.54

PAGE 20

18 Table P5S (Continued) – Per Capita Income Descriptive Statistics and Shortage of Establishments for Establishment Types Present in CDBG Benchmark Area, but not in Palm River CDBG Area NAICS Description Number of Establishments Descriptive Statistic Shortage of Establishments 115112 Soil Preparation, Planting, and Cultivating 2 0.1025 1.54 115114 Postharvest Crop Activities (except Cotton Ginning) 2 0.1025 1.54 115115 Farm Labor contractors and Crew Leaders 2 0.1025 1.54 238291 Other Residential Equipment Contractors 2 0.1025 1.54 238292 Other Nonresidential Equipment Contractors 2 0.1025 1.54 238352 Nonresidential Finish Carpentry Contractors 2 0.1025 1.54 238392 Other Nonresidential Finishing Contractors 2 0.1025 1.54 312111 Soft Drink Manufacturing 2 0.1025 1.54 312113 Ice Manufacturing 2 0.1025 1.54 312229 Other Tobacco Product Manufacturing 2 0.1025 1.54 326299 All Other Rubber Product Manufacturing 2 0.1025 1.54 331316 Aluminum Extruded Product Manufacturing 2 0.1025 1.54 332323 Ornamental and Architectural Metal Work Manufacturing 2 0.1025 1.54 334290 Other Communications Equipment Manufacturing 2 0.1025 1.54 334417 Electronic Connector Manufacturing 2 0.1025 1.54 423130 Tire and Tube Merchant Wholesalers 2 0.1025 1.54 423220 Home Furnishing Merchant Wholesalers 2 0.1025 1.54 423440 Other Commercial Equipment Merchant Wholesalers 2 0.1025 1.54 423490 Other Professional Equipment and Supplies Merchant Wholesalers 2 0.1025 1.54 424410 General Line Grocery Merchant Wholesalers 2 0.1025 1.54 424690 Other chemical and Allied Products Merchant Wholesalers 2 0.1025 1.54 441222 Boat Dealers 2 0.1025 1.54 442110 Furniture Stores 2 0.1025 1.54 442299 Other Home Furnishings Stores 2 0.1025 1.54 445299 All Other Specialty Food Stores 2 0.1025 1.54 448210 Shoe Stores 2 0.1025 1.54 448310 Jewelry Stores 2 0.1025 1.54 453310 Used Merchandise Stores 2 0.1025 1.54 453991 Tobacco Stores 2 0.1025 1.54 484110 General Freight Trucking, Local 2 0.1025 1.54 522120 Savings Institutions 2 0.1025 1.54 522130 Credit Unions 2 0.1025 1.54 532111 Passenger Car Rental 2 0.1025 1.54 532310 General Rental Centers 2 0.1025 1.54 541213 Tax Preparation Services 2 0.1025 1.54 541350 Building Inspection Services 2 0.1025 1.54 541612 Human Resources and Executive Search Consulting Services 2 0.1025 1.54 541720 Research and Development in the Social Sciences and Humanities 2 0.1025 1.54 561510 Travel Agencies 2 0.1025 1.54 611710 Educational Support Services 2 0.1025 1.54 621320 Offices of Optometrists 2 0.1025 1.54 621511 Medical Laboratories 2 0.1025 1.54 624310 Vocational Rehabilitation Services 2 0.1025 1.54 711510 Independent Artists, Writers, and Performers 2 0.1025 1.54

PAGE 21

19 Table P5S (Continued) – Per Capita Income Descriptive Statistics and Shortage of Establishments for Establishment Types Present in CDBG Benchmark Area, but not in Palm River CDBG Area NAICS Description Number of Establishments Descriptive Statistic Shortage of Establishments 713910 Golf Courses and Country Clubs 2 0.1025 1.54 722320 Caterers 2 0.1025 1.54 811112 Automotive Exhaust System Repair 2 0.1025 1.54 811122 Automotive Glass Replacement Shops 2 0.1025 1.54 811191 Automotive Oil Change and Lubrication Shops 2 0.1025 1.54 811198 All Other Automotive Repair and Maintenance 2 0.1025 1.54 811219 Other Electronic and Precision Equipment Repair and Maintenance 2 0.1025 1.54 812199 Other Personal Care Services 2 0.1025 1.54 812310 Coin-Operated Laundries and Drycleaners 2 0.1025 1.54 111334 Berry (except Strawberry) Farming 1 0.0512 0.77 111419 Other Food Crops Grown Under Cover 1 0.0512 0.77 112210 Hog and Pig Farming 1 0.0512 0.77 112511 Finfish Farming and Fish Hatcheries 1 0.0512 0.77 115210 Support Activities for Animal Production 1 0.0512 0.77 236116 New Multifamily Housing Construction (except Operative Builders) 1 0.0512 0.77 236117 New Housing Operative Builders 1 0.0512 0.77 237130 Power and Communication Line and Related Structures Construction 1 0.0512 0.77 238142 Nonresidential Masonry Contractors 1 0.0512 0.77 238162 Nonresidential Roofing Contractors 1 0.0512 0.77 238191 Other Residential Exterior Contractors 1 0.0512 0.77 238312 Nonresidential Drywall Contractors 1 0.0512 0.77 238322 Nonresidential Painting Contractors 1 0.0512 0.77 238391 Other Residential Finishing Contractors 1 0.0512 0.77 238911 Residential Site Preparation Contractors 1 0.0512 0.77 311520 Ice Cream and Frozen Dessert Manufacturing 1 0.0512 0.77 311611 Animal (except Poultry) Slaughtering 1 0.0512 0.77 311712 Fresh and Frozen Seafood Processing 1 0.0512 0.77 311811 Retail Bakeries 1 0.0512 0.77 311823 Dry Pasta Manufacturing 1 0.0512 0.77 313311 Broadwoven Fabric Finishing Mills 1 0.0512 0.77 314129 Other Household Textile Product Mills 1 0.0512 0.77 315232 Women's and Girls' Cut and Sew Blouse and Shirt Manufacturing 1 0.0512 0.77 316999 All Other Leather Good Manufacturing 1 0.0512 0.77 321113 Sawmills 1 0.0512 0.77 321114 Wood Preservation 1 0.0512 0.77 321214 Truss Manufacturing 1 0.0512 0.77 323114 Quick Printing 1 0.0512 0.77 323115 Digital Printing 1 0.0512 0.77 323116 Manifold Business Forms Printing 1 0.0512 0.77 325412 Pharmaceutical Preparation Manufacturing 1 0.0512 0.77 325612 Polish and Other Sanitation Good Manufacturing 1 0.0512 0.77 326113 Unlaminated Plastics Film and Sheet 1 0.0512 0.77 326122 Plastic Pipe and Pipe fitting Manufacturing 1 0.0512 0.77

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20 Table P5S (Continued) – Per Capita Income Descriptive Statistics and Shortage of Establishments for Establishment Types Present in CDBG Benchmark Area, but not in Palm River CDBG Area NAICS Description Number of Establishments Descriptive Statistic Shortage of Establishments 326140 Polystyrene Foam Product Manufacturing 1 0.0512 0.77 326199 All Other Plastics Product Manufacturing 1 0.0512 0.77 327121 Brick and Structural Clay Tile Manufacturing 1 0.0512 0.77 327993 Mineral Wool Manufacturing 1 0.0512 0.77 331319 Other Aluminum Rolling and Drawing 1 0.0512 0.77 332116 Metal Stamping 1 0.0512 0.77 332213 Saw Blade and Handsaw Manufacturing 1 0.0512 0.77 332420 Metal Tank (Heavy Gauge) Manufacturing 1 0.0512 0.77 332510 Hardware Manufacturing 1 0.0512 0.77 332813 Electroplating, Plating, Polishing, Anodizing, and Coloring 1 0.0512 0.77 333312 Commercial Laundry, Drycleaning, and Pressing Machine Manufacturing 1 0.0512 0.77 333411 Air Purification Equipment Manufacturing 1 0.0512 0.77 333613 Mechanical Power Transmission Equipment Manufacturing 1 0.0512 0.77 334111 Electroplating, Plating, Polishing, Anodizing, and Coloring 1 0.0512 0.77 334119 Other Computer Peripheral Equipment Manufacturing 1 0.0512 0.77 334515 Instrument Manufacturing for Measuring and Testing Electricity and Electrical Signals 1 0.0512 0.77 334519 Other Measuring and Controlling Device Manufacturing 1 0.0512 0.77 335931 Current-Carrying Wiring Device Manufacturing 1 0.0512 0.77 336211 Motor Vehicle Body Manufacturing 1 0.0512 0.77 336413 Other Aircraft Parts and Auxiliary Equipment 1 0.0512 0.77 339112 Surgical and Medical Instrument Manufacturing 1 0.0512 0.77 339113 Surgical Appliance and Supplies Manufacturing 1 0.0512 0.77 339920 Sporting and Athletic Goods Manufacturing 1 0.0512 0.77 339950 Sign Manufacturing 1 0.0512 0.77 423210 Furniture Merchant Wholesalers 1 0.0512 0.77 423320 Brick, Stone, and Related Construction Material Merchant Wholesalers 1 0.0512 0.77 423330 Roofing, Siding, and Insulation Material Merchant Wholesalers 1 0.0512 0.77 423420 Office Equipment Merchant Wholesalers 1 0.0512 0.77 423510 Metal Service Centers and Other Metal Merchant Wholesalers 1 0.0512 0.77 423740 Refrigeration Equipment and Supplies Merchant Wholesalers 1 0.0512 0.77 423840 Industrial Supplies Merchant Wholesalers 1 0.0512 0.77 423910 Sporting and Recreational Goods and Supplies Merchant Wholesalers 1 0.0512 0.77 424420 Packaged Frozen Food Merchant Wholesalers 1 0.0512 0.77 424460 Fish and Seafood Merchant Wholesalers 1 0.0512 0.77 424470 Meat and Meat Product Merchant Wholesalers 1 0.0512 0.77 424710 Petroleum Bulk Stations and Terminals 1 0.0512 0.77 424720 Petroleum and Petroleum Products Merchant Wholesalers (except Bulk Stations and Terminals) 1 0.0512 0.77 424820 Wine and Distilled Alcoholic Beverage Merchant Wholesalers 1 0.0512 0.77

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21 Table P5S (Continued) – Per Capita Income Descriptive Statistics and Shortage of Establishments for Establishment Types Present in CDBG Benchmark Area, but not in Palm River CDBG Area NAICS Description Number of Establishments Descriptive Statistic Shortage of Establishments 424950 Paint, Varnish, and Supplies Merchant Wholesalers 1 0.0512 0.77 441210 Recreational Vehicle Dealers 1 0.0512 0.77 444120 Paint and Wall Paper Stores 1 0.0512 0.77 445210 Meat Markets 1 0.0512 0.77 445220 Fish and Seafood Markets 1 0.0512 0.77 445310 Beer, wine, and Liquor Stores 1 0.0512 0.77 446120 Cosmetics, Beauty Supplies, and Perfume Stores 1 0.0512 0.77 446191 Food (Health) supplement Stores 1 0.0512 0.77 446199 All Other Health and Personal Care Stores 1 0.0512 0.77 448130 Children's and Infants' clothing Stores 1 0.0512 0.77 448190 Other Clothing Stores 1 0.0512 0.77 451120 Hobby, Toy, and Game Stores 1 0.0512 0.77 452112 Discount Department Stores 1 0.0512 0.77 453920 Art Dealers 1 0.0512 0.77 453930 Manufactured (Mobile) Home Dealers 1 0.0512 0.77 454312 Liquefied Petroleum Gas (Bottled Gas) Dealers 1 0.0512 0.77 484230 Specialize Freight (except Used Goods) Trucking, LongDistance 1 0.0512 0.77 488190 Other Support Activities for Air Transportation 1 0.0512 0.77 488330 Navigational Services to Shipping 1 0.0512 0.77 491110 Postal Service 1 0.0512 0.77 492110 Couriers 1 0.0512 0.77 492210 Local Messengers and Local Delivery 1 0.0512 0.77 512110 Motion Picture and Video Production 1 0.0512 0.77 512132 Drive-In Motion Picture Theaters 1 0.0512 0.77 515210 Cable and Other Subscription Programming 1 0.0512 0.77 518111 Internet Service Providers 1 0.0512 0.77 518112 Web Search Portals 1 0.0512 0.77 523110 Investment Banking and Securities Dealing 1 0.0512 0.77 523910 Miscellaneous Intermediation 1 0.0512 0.77 523930 Investment Advice 1 0.0512 0.77 523991 Trust, Fiduciary, and Custody Activities 1 0.0512 0.77 524113 Direct Life Insurance Carriers 1 0.0512 0.77 531312 Nonresidential Property Managers 1 0.0512 0.77 532220 Formal Wear and Costume Rental 1 0.0512 0.77 532490 Other Commercial and Industrial Machinery and Equipment Rental and Leasing 1 0.0512 0.77 533110 Lessors of Nonfinancial Intangible Assets (except Copyrighted Works) 1 0.0512 0.77 541199 All Other Legal Services 1 0.0512 0.77 541340 Drafting Services 1 0.0512 0.77 541370 Surveying and Mapping (except Geophysical) Services 1 0.0512 0.77 541430 Graphic Design Services 1 0.0512 0.77 541519 Other Computer Related Services 1 0.0512 0.77 541614 Process, Physical Distribution, and Logistics Consulting Services 1 0.0512 0.77 541690 Other Scientific and Technical Consulting Services 1 0.0512 0.77

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22 Table P5S (Continued) – Per Capita Income Descriptive Statistics and Shortage of Establishments for Establishment Types Present in CDBG Benchmark Area, but not in Palm River CDBG Area NAICS Description Number of Establishments Descriptive Statistic Shortage of Establishments 541830 Media Buying Agencies 1 0.0512 0.77 551112 Offices of Other Holding Companies 1 0.0512 0.77 561591 Convention and Visitor Bureaus 1 0.0512 0.77 561611 Investigation Services 1 0.0512 0.77 561622 Locksmiths 1 0.0512 0.77 561910 Packaging and Labeling Services 1 0.0512 0.77 562111 Solid Waste Collection 1 0.0512 0.77 611610 Fine Arts Schools 1 0.0512 0.77 621112 Offices of Physicians, Mental Health Specialists 1 0.0512 0.77 621420 Outpatient Mental Health and Substance Abuse Centers 1 0.0512 0.77 623990 Other Residential Care Facilities 1 0.0512 0.77 624190 Other Individual and Family Services 1 0.0512 0.77 624221 Temporary Shelters 1 0.0512 0.77 711190 Other Performing Arts Companies 1 0.0512 0.77 711410 Agents and Managers for Artists, Athletes, Entertainers, and Other Public Figures 1 0.0512 0.77 721211 RV (Recreational Vehicle) Parks and Campgrounds 1 0.0512 0.77 722212 Cafeterias 1 0.0512 0.77 722330 Mobile Food Services 1 0.0512 0.77 812113 Nail Salons 1 0.0512 0.77 812191 Diet and Weight Reducing Centers 1 0.0512 0.77 812210 Funeral Homes and Funeral Services 1 0.0512 0.77 812332 Industrial Launderers 1 0.0512 0.77 Conclusions In order to focus our analysis, we chose to report on establishments when normalized by total population and by per capita income, due to their straightforward effects on economic behavior. In addition to these two demographic characteristics, Table P3 (located on the CD “Community Economic and Demographic Research, September 2004”) contains descriptive statistics for 67 other Palm River CDBG area characteristics, including population by major age group and consumer spending patterns – expenditures by the residents of the Palm River CDBG area. These other 67 descriptive statistics may also be used to normalize establishments, as needed. The number of establishment types found to be relatively scarce in the Palm River CDBG area varies greatly depending on if the establishment types are normalized by population or by per capita income. Normalizing by population consistently yields fewer scarce establishment types, suggesting that this characteristic contributes more greatly to the decision of an entrepreneur to establish a business in an area. For example, our findings suggest that the Palm River CDBG area, based on the per capita income of its residents, has 28.08 fewer Offices of Physicians (except Mental Health Specialists) – NAICS code 621111 – establishments than it should. However, based solely on the total population of the area, a deficit of 2.04 NAICS code 621111 establishments is revealed. We feel that 28 establishments is too much for the market to “miss;” entrepreneurs would

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23 have filled the gap if establishments normalized by per capita income was the descriptive statistic of interest in the decision to open a business. Therefore we conclude that an establishment type scarce in terms of population is a more accurate assessment of underrepresentation in the marketplace. In addition to those establishment types present in the benchmark CDBG area, but absent in the Palm River CDBG area (Tables P4S and P5S), business expansion should focus on attracting professional services, such as offices of physicians, lawyers, and dentists, to the Palm River CDBG area. The data also suggests that accounting and real estate operations are under-represented within the Palm River CDBG area. Restaurants – both limited-service and full-service – are a good opportunity for expansion in the Palm River CDBG area. Not only are restaurants generally under-represented in the area, but would offer flexible employment opportunities for local residents as well as provide a sense of place and community.