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Catalyzing Business Investment in Inner City Neighborhoods

June 2007

Cincinnati Neighborhood Market DrillDown

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Social Compact Catalyzing Business Investment in Inner City Neighborhoods

Copyright © The Social Compact, Inc. 2007

Cincinnati DrillDown

About Social Compact Social Compact is a national not-for-profit corporation led by a board of business leaders whose mission is to help strengthen neighborhoods by stimulating private market investment in underserved communities. Social Compact accomplishes this through its Neighborhood Market DrillDown analytic tool, developed to accurately measure community economic indicators provides this information as a resource to community organizations, government decision makers and the private sector. Social Compact is at the forefront of identifying the market potential of underserved neighborhoods and believes that a public pri-vate partnership that involves community members and leverages private investment is the most sustainable form of community economic development.

Dear Colleague: On behalf of Social Compact’s Board of Directors, I am pleased to continue Social Compact’s mission to catalyze business in-vestment in America’s underserved communities with the release of the Cincinnati DrillDown. DrillDown profiles, drawing on business disciplines and community strengths, have a strong track record of stimulating sustain-able, private investment, benefiting communities and businesses alike. The Cincinnati DrillDown is no exception. Focusing on core market drivers that resonate across industry lines, the DrillDown found substantial cause for optimism and investment in Cincinnati. Additionally, the partnerships established over the course of the DrillDown give these findings solid grounding and point toward the positive outcomes that can be achieved through innovative approaches to building community strength. I look forward to seeing these DrillDown findings leveraged for additional private investment and continued successes in the City of Cincinnati’s vibrant neighborhoods. Sincerely, Joe Reppert Chairman, Social Compact Vice Chairman, First American Real Estate Services Information, Inc

Board of Directors Joseph Reppert, Chairman, Vice Chairman, First American Real Estate Information Services, Inc. David H. Katkov, Vice Chairman, Executive Vice President, The PMI Group, Inc. President and Chief Operating Officer, PMI Mortgage Insurance Co. Mary Lee Widener, Immediate Past Chairperson; President and CEO, Neighborhood Housing Services of America Clayton Adams, Vice President, Community Development, State Farm Fire & Casualty Company Joe Belew, President, Consumer Bankers Association Rebecca A. Craft, Director, Energy Efficiency Programs, Consolidated Edison Company of New York, Inc. Lisa Glover, Senior Vice President; Director, Community Development and Fair Lending, US Bank Ron Guggenheimer, Director, Fixed Income, Citi Markets & Banking W. Roger Haughton, Immediate Past Chairman, The PMI Group, Inc. JoAnn Kane, Vice President and Chief Operating Officer, Faithworks, Inc. Michael R. McGuire, President and CEO, Affinity Bank Robert A. McNeely, Executive Vice President, Union Bank of California; Chairman and CEO, Union Bank of California Foundation Bruce D. Murphy, Executive Vice President, KeyBank National Association; President, Community Development Banking, KeyCorp Ed Owens III, Senior Vice President and Director of Community Affairs, Fifth Third Bank Jeff Rosen, Executive Vice President, Business Banking Group Manager, Huntington Bank Dean Schultz, President and CEO, Federal Home Loan Bank of San Francisco Brian Stolarz, Associate, K&L | Gates John B. Talmage, President and CEO, Social Compact

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Foreword In fulfilling Social Compact's commitment to underserved markets, I am proud to present the findings of the Cincinnati Drill-Down. Following on the successful challenge by the City of Cincinnati to census estimates in 2006, the Cincinnati DrillDown findings build upon Mayor Mallory's efforts to highlight the myriad opportunities that exist in Cincinnati. Mayor Mallory exemplifies a new generation of mayors attempting to better leverage public and private investment in their cities through improved infor-mation, and we at Social Compact are pleased to have had the opportunity to work with him and the City of Cincinnati. Social Compact looks forward to working together with the City and the other stakeholder organizations who have contrib-uted to the success of the Cincinnati DrillDown to facilitate a paradigm shift with regard to how information can better serve communities. Cincinnati is a demonstration in information-led development. It is the hope that the findings provided herein serve as another source of information for the City of Cincinnati, and other business and community leaders, in their decisions to implement sustainable economic development projects in Cincinnati communities. Sincerely, John Talmage President and CEO Social Compact

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Acknowledgements

The Cincinnati DrillDown would not be possible but for the generous contributions of time, treasury, and talent of a broad and exceptional team committed to the City of Cincinnati and its many, diverse communities.

Social Compact gratefully acknowledges the crucial support of Mayor Mark Mallory and his office, and Ryan Adcock in par-ticular, for facilitating the Cincinnati DrillDown project, providing access to key municipal data, and contributing invaluable insights along the way.

Social Compact would like to specially recognize Fifth Third Bank, the lead sponsor of the Cincinnati DrillDown, whose gener-ous financial support made this work possible. Sincere appreciation also to the following key sponsors: USBank; KeyBank; Huntington Bank; PNC Bank; GO Cincinnati; Duke Energy; and United Way of Greater Cincinnati. Thanks are also due to First American Real Estate Information Services Inc., SAS Institute Inc., and ESRI for their generous contributions of data, soft-ware, and expertise.

Additionally, Social Compact would like to thank the following municipal, county and regional offices for providing the neces-sary data and local insight: Cincinnati Metropolitan Housing Authority, Cincinnati Planning Commission, Cincinnati Public Schools, Cincinnati USA Regional Chamber, City of Cincinnati Department of Community Development and Planning, City of Cincinnati Department of Finance, City of Cincinnati Income Tax Bureau, City of Cincinnati Department of Motor Vehicles, City of Cincinnati Economic Development Division, City of Cincinnati Office of Buildings and Inspection, City of Cincinnati Police Department, City of Cincinnati WaterWorks, Hamilton County Auditor, Southwest Ohio Regional Transit Authority. Also, Social Compact would like to thank the Institute for Policy Research at the University of Cincinnati for the contributions of their guid-ance and local market knowledge.

Special thanks are in order for Property Advisors, Social Compact's principal partner in the Cincinnati DrillDown project. Property Advisors, through the efforts of J. Scott Golan and Candace Klein, acted as the catalyst for the Cincinnati DrillDown, managed all phases of the study with skill and determination and proved instrumental to the project's success.

Finally, this work would not have been possible without the continued leadership and support of Social Compact's dedicated Board of Directors.

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Background In recent years, inner-city neighborhoods have come to represent billions of dollars in untapped buying power and retail leakage. The ethnic and cultural diversity of urban residents represent myriad opportunities for local entrepreneurs, niche markets and new markets for financial services, corporate retailers and other commercial investors. Despite this opportunity barriers to private investment in underserved neighborhoods persist. As a result, urban residents lack access to basic goods and services at competitive prices, and retailers and developers are unable to capitalize on the fundamental assets of inner-city, urban communities. Underserved urban neighborhoods are often negatively stereotyped and defined by deficiencies rather than strengths. The reason for this is manifold. First, deficiency-based depictions are necessitated by funding and policy regulations that require a neighborhood to demonstrate need for federal subsidies and social service programs. While these depictions attest to social need, they do little to highlight neighborhood strengths and economic opportunity. Second, excessive media coverage of undesirable characteristics such as crime, poverty, and blight perpetuate negative perceptions of these inner-city neighborhoods. Finally, lack of dependable business-oriented data on underserved communities expands the information gap on market trends, disabling potential investors from making informed decisions. Combined, these factors contribute to a cycle of missed opportunities in underserved urban markets. THE DRILLDOWN: BRIDGING THE INFORMATION GAP Beginning with the premise that a significant reason for inner-city disinvestment is lack of good market information, Social Compact developed the Neighborhood Market DrillDown to address key barriers to private investment in and around inner-city neighborhoods. Social Compact offers its neighborhood market analyses to local governments, community organizations and businesses looking to attract investment or to invest in inner cities. These analyses provide alternative assessments of population, income and housing that do not rely on outdated and potentially inaccurate decennial census data. The DrillDown was established to provide up-to-date profiles of market strength, stability and opportunity for small, dense, and rapidly changing urban geographies. The DrillDown builds on current, finely sieved market information drawn from a wide spectrum of commercial, proprietary and local government sources (e.g. tax assessor, building permit, commercial credit companies and realtors). Rather than relying on any one information set, the DrillDown findings surface from a combined body of data. These findings, tested against supplemental data and the intuitive knowledge of local market leaders, serve as the foundation for an objective, systematic analysis of business attributes. Based on this data, Social Compact has developed the following indicators of market size, strength and stability.

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DrillDown Overview Working in close partnership with Mayor Mallory and Prop-erty Advisors, a Cincinnati based commercial real estate con-sulting firm, Social Compact applied its DrillDown analysis to the entire city of Cincinnati in order to develop a city-wide baseline of economic indicators and to leverage DrillDown results to inform economic development. In addition, the DrillDown provided detailed business-oriented profiles of market strengths and opportunities in twenty seven of the City's lower-income neighborhoods. These include neighborhoods where the average household income, as reported by the 2000 Census, fell below the city-wide average. Included in this report are highlights from the DrillDown analysis for the following study area neighborhoods:

Cincinnati, Ohio DrillDown Study Area Neighborhoods

1. Avondale 2. Bondhill 3. CBD 4. CUF 5. Camp Washington 6. Carthage 7. Corryville 8. East Price Hill 9. Evanston 10. Fay Apartments 11. Linwood 12. Lower Price Hill 13. Madisonville 14. Mount Auburn

15. North Fairmount/South Fairmount/English Woods 16. Northside 17. Over the Rhine 18. Riverside 19. Roselawn 20. Sedamsville 21. South Cumminsville / Millvale 22. Spring Grove Village 23. Walnut Hills 24. West End 25. West Price Hill 26. Westwood / East Westwood 27. Winton Hills

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Cincinnati DrillDown City of Cincinnati — Citywide DrillDown Highlights...

Larger Market • The DrillDown estimates the City’s total population at 378,259, an increase of 22%, or 69,000 people, from 2006 census trend projection estimates and a 14% increase,

roughly 46,000 people, from the Census 2000 population count.

• The DrillDown analysis reports higher population density in the City, estimating 7.4 persons per acre, compared to the 2006 census trend projection estimate of 6.1 and the Census 2000 estimate of 6.5 persons per acre.

Greater buying power • Average household income in the City was estimated at $54,083, a 22% increase from the Census 2000 income estimate and 7% above 2006 trend projections.

• The DrillDown’s median household income estimate of $39,893 exceeded the number reported by Census 2000 by 30% and 2006 trend projections by 9%.

• The DrillDown estimates that $2.2 billion in aggregate buying power is missed by traditional estimates. Overall, the aggregate household income of $9.2 billion, an income density of $181,000 per acre, 31% higher than 2006 census trend projections.

Safer streets • The DrillDown analysis revealed significant drops in crime throughout the City of Cincinnati. Both property and violent crime dropped by 7% between 2002 and 2006.

• Furthermore, community crime in the City decreased by 14% for the same time period. The community crime indicator, which includes reported incidents of blighted proper-ties, disorderly conduct, littering, loitering, prostitution, trespassing and vandalism, is designed to assess highly visible incidents of crime that, although not typically included in many official crime statistics may be of particular interest to the business community.

Increased market stability • Nearly 72% of residential buildings in Cincinnati are owner occupied. By measuring owner occupancy at the building level, the DrillDown reveals a greater presence of

homeowners in neighborhoods when compared to Census 2000, which measured owner occupancy by residential unit to be 39%.

• The value of single family homes has increased by 42%, from a median value of $98,674 as reported by Census 2000 to $140,499, according to 2007 DrillDown estimates.

• The DrillDown documented the completed construction of 7,450 new residential units in the City of Cincinnati between 2002 and 2006. This translates to a rate of 50 new units for every 1,000 households.

Market Opportunity • The DrillDown estimates that 28% of Cincinnati households are underbanked (lacking existing credit histories with any of the three major credit bureaus). This number repre-

sents opportunity for the expansion of banking and other financial services to City residents.

• Furthermore, the DrillDown estimates retail leakage in excess of $190 million. More specifically, the DrillDown documented $122 million in unmet demand for apparel retail-ers, and $29 million in unmet demand for restaurants.

Note: For the purposes of this study, the City of Cincinnati is defined by 302 census block groups (comprising 79 square miles) matching the City boundaries as closely as possible. However, because the true boundaries of Cincinnati are determined at the block-level, there is a slight discrepancy between the Census 2000 population estimate used in the DrillDown analysis and the actual figure reported by the U.S. Census Bureau (331,285).

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* Census trend projections are modeled market projections derived from census findings that are annually revised based upon historic measures of macro-market performance.

Key Observations — Study Area Neighborhoods…

Cincinnati neighborhoods are larger markets than previously understood:

• The largest population difference among study area neighborhoods occurred in Spring Grove Village, Carthage, West Price Hill, Roselawn, Camp Washington, Westwood/East Westwood, Northside, Linwood, Madisonville and East Price Hill; where the DrillDown found over 25% more people than 2006 Census Trend Projections. Large discrep-ancies were also found in Bondhill, the CBD and Evanston where the DrillDown estimates over 10% more people than 2006 Census trend Projections.

• Additionally, study area neighborhoods are higher density markets when compared to the city. Population density in West Price Hill is more than double the city average of 7.4 residents per acre. Additionally, Over the Rhine, CUF, Mount Auburn, Evanston, East Price Hill and Westwood/East Westwood all have more than 10 residents per acre.

Higher incomes signal greater buying power in study area neighborhoods:

• The DrillDown estimated median household income across study area neighborhoods at $27,543, 12% higher than reported by Census 2000. While the study area me-dian income was consistent with 2006 Census Trend Projections, there were notable exceptions; the DrillDown median household income was 64% higher in the CBD and over 20% higher in Roselawn, Linwood and Over the Rhine.

• Additionally, while the DrillDown found median income in Cincinnati is currently 30% higher than the Census 2000 figure, several neighborhoods saw even greater dif-ferences. The CBD, Linwood, Roselawn, Lower Price Hill and CUF showed gains in excess of 30%. Notably, the DrillDown estimates that median incomes in Over the Rhine, the CBD and Linwood are over 50% higher than the Census 2000 estimate.

• Across study area neighborhoods, average household income was estimated at $37,146; 15% above Census 2000 numbers and 4% above 2006 Census trend projec-tions. The CBD, Walnut Hills, Linwood and Lower Price Hill showed average incomes over 10% higher than previously understood by 2006 Census trend projections.

• The DrillDown estimates that $550 million in aggregate buying power is missed by traditional estimates. Overall, the aggregate household income is 17% higher than 2006 census trend projections. The DrillDown estimates that the CBD, Linwood, Roselawn, Spring Grove Village, West Price Hill and Westwood/East Westwood are underesti-mated by over 30%.

• As a result of city change and aggregate income missed by the 2000 Census, the DrillDown finds that aggregate income in the City is 41% higher than as measured by the 2000 Census. This difference is even larger in the CBD, Linwood, Spring Grove Village, Roselawn, West Price Hill and Westwood/East Westwood, where gains range from 45% in Westwood/East Westwood to 115% in the CDB.

• Higher population densities translate into concentrated buying power. Six study area neighborhoods boast income densities greater than that of the City as a whole. Income density (or aggregate neighborhood income per acre) exceeded the city average in West Price Hill, the CBD, Westwood/East Westwood, Mount Auburn, Roselawn and CUF. Income density in West Price Hill is over 1.5 times greater than the City.

• The DrillDown estimates the informal economy to be worth over $213 million in these neighborhoods, comprising 6.1% of the total study area economy. The informal economy is estimated to be highest in Corryville, Over the Rhine and Roselawn with informal economies of around 10%.

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Key Observations — Study Area Neighborhoods… Study area neighborhoods demonstrate safer streets, showing drops in crime that compare favorably with the city as whole:

• Nineteen of the study area neighborhoods experienced a decline in total crime. The CBD, Camp Washington, Corryville, Bondhill, Fay Apartments, West End and Over the Rhine experienced the most dramatic drops in overall crime, down by more than 20% between 2002 and 2006. This compares to a drop of 7% in Cincinnati over the same pe-riod of time.

• Fourteen neighborhoods included in the study area experienced a drop in violent crime greater than the city average. The two largest drops in violent crime occurred in North Fairmount/South Fairmount/English Woods and Over the Rhine, decreasing by 36% and 34%, respectively, while the City’s violent crime rate dropped 7% for the same time period from 2002 to 2006.

• Similarly, property crime in most of the study area neighborhoods dropped significantly. Corryville, the CBD, Fay Apartments, Camp Washington, Bondhill, Winton Hills and West End experienced the greatest drop in property crime, down over 25%.

• All but three neighborhoods saw a decrease in community crime between 2002 and 2006, with the most significant drops occurring in Camp Washington, a decrease of 52%, Corryville, down 47%, and Lower Price Hill and the CBD, both down 39%.

• Many study area neighborhoods demonstrate crime rates far below the city average. Bondhill, Madisonville, West Price Hill, Evanston and Riverside are among those study area neighborhoods with the lowest rate of reported incidents of crime per capita.

Homeownership and residential investment are on the rise in study area neighborhoods, indicating greater market stability:

• Over 66.9% of residential buildings in the study area are owner occupied. By measuring homeownership at the building level, the DrillDown reveals a greater presence of homeowners in study area neighborhoods. This number far exceeds the number reported by Census 2000, which reported owner occupancy by residential unit to be at 33%.

• The value of single family homes has increased substantially in study area neighborhoods, from a median value of $75,000 as reported by Census 2000 to $118,000, according to 2007 DrillDown estimates, a 57% increase from Census 2000 values.

• DrillDown study area neighborhoods exhibit favorable rates of new residential construction. Eight study area neighborhoods exhibit new residential construction rates above the city average, with the CBD, Bondhill, Walnut Hills, Madisonville, West End and Carthage outperforming the city at twice the number of new residential units per household filed between 2002 and 2006.

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Key Observations — Study Area Neighborhoods… The DrillDown demonstrates opportunity for expansion of financial services: • In thirteen study area neighborhoods, residents have less access to financial services. Residents of Riverside and Sedamsville travel three times as far to traditional financial

institutions than other city residents, and in Linwood, North Fairmount/South Fairmount/English Woods, and Fay Apartments, residents travel twice as far .

• Non-traditional financial institutions, such as check-cashers and payday lenders, are more numerous in study area neighborhoods. The CBD, Over the Rhine, Corryville, Roselawn, Walnut Hills, Spring Grove Village and Madisonville have more than 5 per 10,000 households, compared to a city-wide ratio of 2.6.

• Twenty-five percent of study area residents and 28% of city residents are underbanked. The percentage of underbanked households, as defined by the lack of a credit bu-reau record, is highest in Spring Grove Village where 42% of households are underbanked.

The DRILLDOWN documented unmet demand for full-service grocery stores:

• Grocery leakage in excess of $10 million was found in each of the following neighborhoods: West Price Hill ($30M), Avondale ($16M), Northside ($14M), Madisonville ($14M), CUF ($14M) and Bondhill ($13M).

• On average, residents in Riverside, Winton Hills and Madisonville live twice as far from a full-service grocer than other city residents. The DrillDown examined 27 low to moderate income neighborhoods in Cincinnati, finding dynamic, diverse communities that have experienced significant population growth beyond what is documented by Census 2000 and census trend projections. Confronting common misperceptions, crime rates in many neighborhoods are far below the city average and continue to fall, indicating safer streets for neighborhood residents and visitors. Finally, unmet market demand, with respect to banking and grocery services, and untapped buying power, demonstrated by sizable retail leakage, represents significant opportunity for business investment that expand access to goods and services to Cincinnati residents.

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Cincinnati DrillDown MARKET SIZE figures indicate a neighborhood’s population of residential consumers, effectively describing neighborhood mass and density. Market size is commonly underestimated in inner-city neighborhoods because measurements at the neighborhood level are often outdated or inaccurate. Research has shown that the decennial census is susceptible to under-counting particular areas due to incorrect information; unreturned and incomplete surveys; and missed households and individuals. Population undercounts are more likely to occur in low-income, predominantly minority, urban neighborhoods, where a larger proportion of residents may have language barriers, live in overcrowded housing, and have greater mis-trust of government. Accurate measurements of market size underpin assessments of investment and business potential in neighborhoods. To enhance accuracy, Social Compact’s Drill-Down uses data sources compiled on an annual basis to build its profiles.

HOUSING UNITS, POPULATION, HOUSEHOLDS: The DrillDown assembles a list of residential addresses from municipal and proprietary tax assessment records, municipal building permit records, utility hookups, and credit bureau records. Households, or occupied units, are determined by multiplying the total number of residential addresses by the vacancy rate, determined through analysis of utility usage records, at the block group level. Total popu-lation is calculated by multiplying the number of households by the average household size and adding this number to the population in group quarters. Average household size and population in group quarters is provided at the block group level by the most recent census trend projections.

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1 Spring Grove Village 43% 3,339

2 Carthage 40% 3,387

3 West Price Hill 38% 23,901

4 Roselawn 36% 9,668

5 Westwood/E. Westwood 26% 45,520

6 Northside 21% 11,326

7 Linwood 20% 482

8 CBD 20% 3,818

9 Camp Washington 20% 1,803

10 Madisonville 18% 11,334

11 Cincinnati 14% 378,259

12 East Price Hill 11% 19,957

13 Bondhill 9% 10,510

14 Evanston 4% 8,233

15 Winton Hills 3% 5,523

DrillDown Total Population

% Above Census 2000

1 Spring Grove Village 47% 1,381

2 Carthage 44% 1,540

3 West Price Hill 41% 10,306

4 Roselawn 35% 4,606

5 CBD 28% 1,940

6 Westwood/E. Westwood 28% 21,316

7 Camp Washington 26% 635

8 Linwood 23% 212

9 Northside 22% 4,959

10 Madisonville 20% 4,970

11 Cincinnati 15% 170,680

12 East Price Hill 13% 7,918

13 Bondhill 12% 4,663

14 Winton Hills 5% 2,141

15 Evanston 5% 3,209

DrillDown Total Number of Households

% Above Census 2000

1 West Price Hill 15.2

2 Over the Rhine 12.8

3 CUF 12.4

4 Mount Auburn 11.9

5 Evanston 11.4

6 Avondale 11

7 East Price Hill 10.4

8 Westwood/E. Westwood 10.2

9 West End 9.9

10 Northside 9.8

11 Bondhill 9

12 Roselawn 8.8

13 CBD 8.4

14 Fay Apartments 7.9

15 Madisonville 7.6

16 Cincinnati 7.4

Population Density (persons per acre)

Above City Average

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Cincinnati DrillDown MARKET STRENGTH/BUYING POWER figures address the population’s consumer potential, gauging purchasing power by estimating aggregate income and income density and ad-justing these figures to account for the estimated monetary value of unregulated economic activity (or the informal economy) within a neighborhood. Income estimates provided by the census, and census derived projections, are now outdated and prone to well-understood inaccuracies resulting from self reported income. In contrast, the DrillDown analysis incor-porates the most recent income estimates from the three major credit bureaus. When aggregated to the neighborhood level, higher average household incomes result in concentrated buying power greater than previously understood. Moreover, higher population density in inner-city neighborhoods translates into concentrated buying power that supersedes their suburban counterparts, even in cases where average household incomes are comparatively lower. Traditional market analysis models used by retailers and financial institutions over-look the significant buying power generated by the local informal economy and therefore misinform private sector investment decisions. Information gaps and poor market data can drastically influence the economic prospects of neighborhoods, particularly in low income areas where traditional demographic data does not accurately capture market potential. Accurate measurements of a community’s total economic activity may attract new investment and assist policy makers in identifying those barriers that prevent small and medium en-terprises from entering the formal market. Increased information on small businesses operating in under-regulated environments might encourage the engagement of mainstream small business lenders.

INCOME: Unadjusted household income estimates are derived in a series of calculations. First, a count is made of the number of individuals per income bracket, as determined by the three credit bureau income esti-mates. Then, the average income at the block group level is calculated by applying the Bureau of Labor and Statistics Consumer Expenditure Survey’s estimated av-erage income for individuals within a particular income range (projected from 2004 to 2006) to the income distribution determined. The third calculation adjusts the income estimate to account for informal economic activ-ity. By weighting the following eight proxies, the Drill-Down estimates the monetary value of unregulated eco-nomic activity: household with income below $30,000; difference between household income and household expenditures; the percentage of households with no credit record; the percentage of utility payments made in cash; the number of nontraditional financial service providers per household and per acre; the difference between estimated housing costs and real home values; and the percent foreign born population. Median of the income distribution averaged from the three income ranges provided by the credit bureau data.

1 Over the Rhine 82% $20,636

2 CBD 78% $36,674

3 Linwood 60% $32,739

4 Roselawn 45% $34,346

5 Lower Price Hill 41% $13,984

6 Cincinnati 30% $39,893

7 CUF 26% $26,102

8 West End 24% $17,037

9 Walnut Hills 16% $22,178

10 Mount Auburn 15% $33,233

11 Bondhill 13% $36,032

12 Westwood/E. Westwood 12% $37,806

13 N & S Fairmount/English Wds 10% $20,953

14 S. Cumminsville/Millvale 7% $16,439

15 Evanston 4% $27,600

16 West Price Hill 3% $35,480

17 Riverside 3% $35,372

18 Northside 2% $31,093

19 Spring Grove Village 2% $34,204

20 Madisonville 1% $32,024

DrillDown Median Household Income

% Above Census 2000

1 CBD 68% $52,269

2 Linwood 54% $42,115

3 Walnut Hills 35% $39,562

4 Over the Rhine 32% $26,815

5 Lower Price Hill 31% $20,595

6 CUF 24% $35,158

7 Cincinnati 23% $51,535

8 N & S Fairmount/English Wds 20% $27,075

9 Roselawn 19% $40,589

10 West End 14% $26,889

11 Mount Auburn 13% $40,987

12 Westwood/E. Westwood 13% $43,425

13 Riverside 13% $39,654

14 Winton Hills 12% $21,877

15 Spring Grove Village 11% $42,158

16 Corryville 8% $24,714

17 Northside 7% $38,565

18 West Price Hill 7% $42,957

19 Avondale 5% $26,904

20 Bondhill 3% $41,064

21 East Price Hill 2% $33,785

22 Sedamsville 2% $37,043

23 Madisonville 1% $38,496

DrillDown Average Household Income

% Above Census 2000

13




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Legend

Aggregate Income

per Acre

$0 - $75K

$75.1K - $150K

$150.1K - $300K

$300.1K - $450K

$450.1K - $611K

1 CBD 116% $101M

2 Linwood 89% $9M

3 Spring Grove Village 64% $58M

4 Roselawn 60% $187M

5 West Price Hill 51% $443M

6 Westwood/E. Westwood 45% $926M

7 Cincinnati 42% $8,796M

8 Northside 31% $191M

9 Madisonville 21% $191M

10 Winton Hills 18% $47M

11 Bondhill 16% $191M

12 East Price Hill 15% $268M

13 Carthage 10% $48M

14 Camp Washington 10% $12M

15 Lower Price Hill 8% $7M

16 Walnut Hills 4% $115M

17 Evanston 3% $114M

DrillDown Aggregate Household Income

% Above Census 2000

1 West Price Hill $297,667

2 CBD $240,628

3 Westwood/E. Westwood $218,835

4 Mount Auburn $213,147

5 Roselawn $185,456

6 CUF $181,734

7 Cincinnati $181,700

Neighborhoods with Income Density

Above City Average

1 Over the Rhine 10.3%

2 Corryville 10.0%

3 Roselawn 9.3%

4 Walnut Hills 8.1%

5 Riverside 8.0%

6 CBD 7.4%

7 Spring Grove Village 7.1%

8 Bondhill 6.1%

9 Lower Price Hill 5.9%

10 Madisonville 5.9%

11 Camp Washington 5.9%

12 Carthage 5.8%

13 S. Cumminsville/Millvale 5.8%

14 Northside 5.6%

15 West Price Hill 5.4%

16 Avondale 5.4%

17 Westwood/E. Westwood 5.3%

18 East Price Hill 5.3%

19 Cincinnati 5.2%

20 Evanston 5.0%

21 Winton Hills 4.9%

22 CUF 4.9%

23 N & S Fairmount/English Wds 4.9%

24 West End 4.8%

25 Linwood 4.7%

26 Mount Auburn 4.6%

27 Fay Apartments 4.0%

28 Sedamsville 3.1%

DrillDown % Informal Economy

14




MARKET STABILITY/RISK indicators further gauge the viability of business investment in a neighborhood; assessing the presence of community stakeholders and demonstrating trends in real estate property values and crime. Through an estimation of owner occupied units and buildings, the DrillDown assesses homeownership, a factor widely thought to increase individual investment in a community. Since a greater proportion of urban housing stock is multi-unit or multi-family, when compared to suburban housing, Social Compact assesses owner occupancy by building and in so doing reveals a greater number of neighborhood stakeholders. For example, a resident who owns a three-unit building may live in one unit while renting out the other two; owner occupancy measured by unit is 33%; whereas occupancy by building is 100%.

HOMEOWNERSHIP/OWNER OCCUPANCY: An estimate of the percentage of residential units or buildings where the unit or building owner is a resident. Matching the mailing and physical addresses provided by municipal tax assessor records indicates owner occupancy.

1 Sedamsville 83%

2 Riverside 59%

3 Linwood 56%

4 Evanston 56%

5 Northside 50%

6 Mount Auburn 47%

7 N & S Fairmount/English Wds 46%

8 Madisonville 46%

9 Spring Grove Village 44%

10 Bondhill 43%

11 Corryville 42%

12 West Price Hill 41%

13 East Price Hill 40%

14 CUF 40%

15 Lower Price Hill 39%

16 Carthage 39%

17 Cincinnati 39%

18 Camp Washington 36%

19 Walnut Hills 35%

20 Westwood/E. Westwood 34%

21 S. Cumminsville/Millvale 31%

22 Roselawn 30%

23 Avondale 29%

24 Over the Rhine 21%

25 West End 20%

26 CBD 12%

27 Winton Hills 7%

DrillDown % Owner Occupancy

by Unit

1 Bondhill 84%


3 Evanston 83%


5 Madisonville 81%

6 Linwood 79%

7 Northside 79%


9 Roselawn 72%

10 Cincinnati 72%

11 Riverside 71%


13 Mount Auburn 67%

14 CUF 67%

15 Sedamsville 66%

16 Avondale 63%

17 Carthage 61%



20 Corryville 51%

21 Walnut Hills 51%



24 West End 41%


26 CBD 14%

27 Winton Hills 10%

DrillDown % Owner Occupancy

by Building


2 Carthage 56%

3 Linwood 56%


5 Madisonville 54%

6 Evanston 54%

7 Sedamsville 50%

8 Northside 49%

9 Bondhill 45%

10 Riverside 40%

11 Cincinnati 39%



14 Roselawn 36%


16 Mount Auburn 29%



19 Avondale 24%


21 Walnut Hills 19%

22 CUF 18%

23 Corryville 13%

24 West End 10%

25 Winton Hills 7%

26 Fay Apartments 5%


Census 2000 % Owner Occupancy

by Unit

15



Cincinnati DrillDown MEDIAN HOME SALE VALUE: Median home sale value is calculated using property transaction data from property sales and proprietary and munici-pal real estate data over an 18 month period. BUILDING RECORDS: New construction and rehabilitation (additions, altera-tions, repairs) is assessed using municipal building permit records for the stated period of time. The DrillDown analyzes building permit activity over time, to potentially capture upward trends in residential construction and renovation, which would indicate property investment and a vibrant housing market.

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Legend

New Construction

New Units

0 - 10

11 - 100

101 - 200

201 - 500

501 - 1677

1 Cincinnati 7,450 12 Mount Auburn 66

2 West End 2,921 13 CUF 43

3 Madisonville 1,280 14 Northside 16

4 CBD 739 15 Evanston 12

5 Bondhill 358 16 N & S Fairmount/English Wds 11

6 Westwood/E. Westwood 276 17 Riverside 11

7 Over the Rhine 206 18 S. Cumminsville/Millvale 8

8 Walnut Hills 167 19 West Price Hill 6

9 Avondale 151 20 East Price Hill 4

10 Carthage 144 21 Camp Washington 3

11 Corryville 93

Total Number of New Residential Units

2002 - 2006

1 Fay Apartments 331.5 15 Spring Grove Village 49.0

2 Winton Hills 118.6 16 N & S Fairmount/English Wds 45.3

3 Linwood 115.6 17 East Price Hill 44.3

4 Over the Rhine 107.4 18 Corryville 43.3

5 Lower Price Hill 102.3 19 Bondhill 42.7

6 Mount Auburn 93.6 20 Sedamsville 42.4

7 S. Cumminsville/Millvale 82.2 21 Avondale 42.1

8 Evanston 77.1 22 Roselawn 38.9

9 Camp Washington 71.7 23 West End 38.7

10 Northside 62.7 24 CUF 37.0

11 Walnut Hills 60.8 25 West Price Hill 27.7

12 Madisonville 58.1 26 CBD 25.1

13 Carthage 57.2 27 Westwood/E. Westwood 23.3

14 Cincinnati 56.0 28 Riverside 17.4

Residential Rehab Permits per 1,000 Households

2002 - 2006

16




CRIME: Social Compact examines crime data at the block group level, as part of its neighborhood risk and stability analysis. Crime statistics, obtained from local police records, are gathered longitudinally to assess trends in documented criminal activ-ity over time. In order to maintain consis-tency across comparisons of time and ge-ography, Social Compact uses population and household counts from Census 2000 and not current DrillDown estimates; and employs the Federal Bureau of Investiga-tion’s (FBI) Uniform Criminal Reporting (UCR) coding to define property and vio-lent crime (see below). Unless otherwise stated, trends are reported for the start of the earliest year through the end of the latest year for which data was obtained (i.e. “2002 – 2005” is equivalent to Janu-ary 1 2002 – December 31 2005). VIOLENT CRIME includes reported incidents of murder, forcible rape, robbery, and aggravated assault (in accordance with FBI UCR coding). PROPERTY CRIME includes reported incidents of arson, burglary, larceny/theft, and motor vehicle theft (in accordance with FBI UCR coding). COMMUNITY CRIME includes reported incidents of blighted properties, disorderly con-duct, littering, loitering, prostitution, trespassing and vandalism. Social Compact designed this indicator to assess visible incidents of crime that, although not typically included in many official crime statistics, may be of particular interest to the business community.

(1) Stewart, C. and Morris, A. (2002). Development in Underserved Retail Markets. International Council of Shopping Centers and Business for Social Responsibility.

A survey of major retailers identified crime and perceptions of crime as the number one factor influencing retailers’ decisions to locate in underserved markets; 93% of respondents viewed crime as a significant or very significant factor in their location decisions (1). Popular media plays a crucial role in shaping perceptions of inner city neighborhoods, dispro-portionately reporting incidents of crime and exacerbating existing stereotypes. In contrast, Social Compact analyzes reported incidents of crime over a multi-year period and as related to population density, repeatedly uncovering decreasing crime rates that compare favorably with crime rates across a metro area.

1 N & S Fairmount/English Wds -36%

2 Over the Rhine -34%

3 CBD -30%

4 Camp Washington -29%

5 Bondhill -27%

6 Mount Auburn -26%

7 S. Cumminsville/Millvale -24%

8 Walnut Hills -24%

9 West End -22%

10 Corryville -18%

11 CUF -15%

12 Cincinnati -7%

13 Roselawn -7%

14 Evanston -7%

% Change in Violent Crime

2002 - 2006

1 Corryville -30%

2 CBD -30%

3 Fay Apartments -29%


5 Bondhill -28%

6 Winton Hills -26%

7 West End -25%

8 Avondale -19%

9 West Price Hill -18%


11 Lower Price Hill -16%

12 CUF -14%

13 Evanston -14%

14 Mount Auburn -13%

15 Cincinnati -7%

16 S. Cumminsville/Millvale -6%

17 Spring Grove Village -5%

18 Westwood/E. Westwood -4%

19 Roselawn -1%

% Change in Property Crime

2002 - 2006


2 Corryville -47%

3 CBD -39%

4 Lower Price Hill -39%

5 CUF -34%

6 Sedamsville -31%


8 Riverside -29%

9 Carthage -24%

10 N & S Fairmount/English Wds -24%

11 East Price Hill -22%

12 Madisonville -21%

13 Northside -18%

14 Spring Grove Village -17%

15 Avondale -16%

16 Cincinnati -14%

17 Bondhill -14%

18 Winton Hills -13%

19 Roselawn -11%

20 Evanston -9%

21 Mount Auburn -8%

22 Walnut Hills -4%

23 Fay Apartments -3%

24 West Price Hill -1%

% Change in Community Crime

2002 - 2006

17



Cincinnati DrillDown MARKET POTENTIAL is characterized by market anomalies such as high incomes coupled with inadequate financial services and unmet retail demand. While these anomalies may be known intuitively by business leaders in a community, Social Compact DrillDown data provides a more accurate foundation for devising business attraction strategies. Access to tradi-tional financial services and fresh food are essential components of comprehensive community development, yet many mainstream financial institutions and supermarkets tend not to invest in the inner city as they are largely unaware of the economic potential. As a result, many inner city neighborhoods have fewer traditional financial institutions and grocery stores per capita when compared to suburban neighborhoods.

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Legend

Financial Institutions

Population

per Acre

0 - 5

6 - 10

11 - 15

16 - 25

26 - 60

1 Riverside 2.8

2 Sedamsville 1.7

3 Linwood 1.3

4 N & S Fairmount/English Wds 1.2


6 S. Cumminsville/Millvale 1.0

7 Bondhill 0.8

8 Lower Price Hill 0.8

9 Evanston 0.7

10 Spring Grove Village 0.6



13 Madisonville 0.6

14 Cincinnati 0.5

15 Northside 0.5


17 Avondale 0.4

18 Carthage 0.4

19 Walnut Hills 0.4

20 Mount Auburn 0.3

21 CUF 0.3

22 Camp Washington 0.3

23 Roselawn 0.3

24 Winton Hills 0.3

25 Corryville 0.3


27 West End 0.2

28 CBD 0.1

Average Distance to Traditional

Financial Institution (in miles)


2 Sedamsville 0.0

3 Riverside 0.0

4 Bondhill 0.0



7 Evanston 0.0

8 Linwood 0.0




12 Mount Auburn 4.5

13 Madisonville 6.0

14 Northside 6.0

15 West End 6.6


17 Avondale 7.7

18 CUF 7.8


20 Cincinnati 8.5

21 Winton Hills 9.3

22 Walnut Hills 10.3

23 Carthage 13.0

24 Roselawn 13.0


26 Corryville 57.1


28 CBD 144.3

Number of Traditional Financial Institutions

per 10,000 Households

TRADITIONAL FINANCIAL INSTITUTIONS include banks and credit unions; based on listings provided by the Federal Deposit Insurance Corporation (FDIC), 2007.

Note: The DrillDown provides information on the presence of traditional and nontraditional financial institutions in order to determine the degree of access neighborhood residents have to these services. The DrillDown measurement of the number of institutions per 10,000 house-holds is used simply to provide a frame of reference for understanding this indicator.

18




1 CBD 25.8


3 Corryville 11.4

4 Roselawn 10.9

5 Walnut Hills 10.3


7 Madisonville 6.0

8 Bondhill 4.3

9 Northside 4.0


11 Cincinnati 2.6

12 CUF 2.0

13 Avondale 1.5




17 Mount Auburn 0.0

18 Winton Hills 0.0

19 Carthage 0.0


21 West End 0.0

22 Linwood 0.0




26 Sedamsville 0.0

27 Evanston 0.0

28 Riverside 0.0

Number of Nontraditional Financial

Institutions per 10,000 Households


2 Roselawn 38%


4 Carthage 37%

5 Bondhill 37%

6 CBD 34%


8 Riverside 29%


10 Northside 29%


12 Cincinnati 28%

13 Madisonville 26%


15 Evanston 22%

16 Linwood 21%

17 Avondale 20%

18 Winton Hills 19%


20 Mount Auburn 11%

21 CUF 8%



24 West End 3%

25 Corryville 0%

26 Walnut Hills 0%

27 Fay Apartments 0%

28 Sedamsville 0%

% of Households without Credit Records

Limited access to traditional banking and financial services has long been a barrier to wealth creation in marginalized communities. This lack of access often translates to higher costs for basic financial transactions (2). Communities faced with a high presence of check cashing institutions, pay-day loan centers and other predatory financial services providers fall victim to higher transactional fees; a recent study found that “borrowers pay $4.2 billion every year in excessive payday lending fees (3).” HOUSEHOLDS WITH NO CREDIT RECORDS: A proxy for underbanked households, a percentage of households without any associated record in any of the three credit bureaus.

(2) Barr, M. (2004). Banking the Poor: Policies to Bring Low-Income Americans Into the Financial Mainstream. Wash-ington, DC: The Brookings Institution. (3) King, U., Parrish, L. & Tanik, O. (November 2006). Financial Quicksand: Payday lending sinks borrowers in debt with $4.2 billion in predatory fees every year. Center for Responsible Lending: Durham, NC.

NONTRADITIONAL FINANCIAL INSTITUTIONS include check cashers, pawnshops and payday lenders.

19



Cincinnati DrillDown An absence of affordable, quality food does not necessarily result from lack of market demand and can lead to demonstrable health complications such as obesity, diabetes and hypertension (4). Understanding the demand for groceries in communities is essential to development professionals and legislators as many urban areas have begun crafting incen-tives for grocers to locate in their communities. The DrillDown quantifies unmet market demand as the difference between grocery store revenue and estimated expenditures. This calculation, coupled with buying power and aggregate income estimates, demonstrates and promotes opportunities for both full service grocery stores and financial services develop-ment in underserved neighborhoods.

GROCERY ANALYSIS: rillDown analysis of grocery providers is based on the following three categories: (1) national/regional chain grocers; (2) smaller grocers, including local, independent, fresh vegetable markets, ethnic mar-kets; and (3) all grocers, including establishments identified as grocery stores and supermarkets according to NAICS; derived from business-level proprie-tary data. AVERAGE DISTANCE: Distances are calculated from the blockgroup centroid to the nearest establishment within city limits. (4) Gallagher, M. (2006). Examining the Impact of Food Deserts on Public Health in Chicago. Research and Consulting Group.

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Legend

Full Grocery

Population

per Acre

0 - 5

6 - 10

11 - 15

16 - 25

26 - 60

1 Riverside 2.6

2 Winton Hills 2.1

3 Madisonville 2.0


5 Sedamsville 1.7

6 Northside 1.6


8 Linwood 1.5

9 Evanston 1.5



12 Carthage 1.1

13 Avondale 1.1

14 Cincinnati 1.1

15 Bondhill 1.1




19 CBD 0.6

20 Roselawn 0.6

21 Mount Auburn 0.6

22 CUF 0.6


24 West End 0.5

25 Walnut Hills 0.5

26 Corryville 0.4



Average Distance to Full Service Grocer

(in miles)

1 Carthage 0.0

2 Sedamsville 0.0

3 CBD 0.0

4 Mount Auburn 0.0

5 Riverside 0.0


7 Linwood 0.0

8 Avondale 0.0

9 Madisonville 0.0



12 CUF 0.0

13 Winton Hills 0.0

14 Evanston 0.0


16 Bondhill 0.0


18 Northside 0.0

19 Cincinnati 1.2


21 Roselawn 2.2


23 West End 3.3

24 Walnut Hills 3.4



27 Corryville 11.4


Number of Full Service Grocers

per 10,000 Households

2007DRILLDOWN

2006Census Trend Proj

2000Census*

ComparisonDrillDown/Trend Proj

MARKET SIZE

Total Population 378,259 309,121 331,874 22.0%

Population per Acre 7.4 6.1 6.5 -

Total # Households 170,680 140,247 147,886 22.0%

MARKET STRENGTH

Average Household Income $54,083 $50,430 $43,992 7.0%

Median Household Income $39,893 $36,764 $30,659 9.0%

Aggregate Neighborhood Income $9,231 Million $7,073 Million $6,506 Million 31.0%

Aggregate Income per Acre $181,700 - - -

% Informal Economy 5.20% - - -

MARKET STABILITY

% Owner Occupancy - Unit 38.8% 39.7% 39.4% -

% Owner Occupancy - Bldg 71.9% - - -

Median Home Sale Value $140,499 $134,470 $98,674 4.0%

New Construction Units ('02-'06) 7,450 50.4 Per 1K Household

Residential Rehab Permits 56.0 Per 1K Household

Violent Crime 2006 11.0 Per 1K People -7% from '02

Property Crime 2006 62.6 Per 1K People -7% from '02

Community Crime 2006 17.1 Per 1K People -14% from '02

DrillDown Market OverviewCincinnati Social Compact


Mayor Mallory and Property Advisors, a Cincinnati based commercial real estate consulting firm, have partnered with Social Compact in the first of a 3-phase study to conduct a DrillDown analysis ofCincinnati, OH, Covington, KY, and Newport, KY, leveraging DrillDown results to inform economic development. Findings from Phase I (analysis of Cincinnati, Covington, & Newport) will inform analyses inPhase II and III, for Hamilton County and the Cincinnati MSA, respectively.

*Note: For the purposes of this study, City of Cincinnati is defined by census blockgroups matching the City boundaries as closely as possible. Because the true boundaries of Cincinnati are block-level based,there is a slight discrepancy between the total 2000 Census population and the figure reported by the U.S. Census Bureau (331,285). Cincinnati is composed of 302 blockgroups and 79 square miles.

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PfeifferW

inte r

s

Linn

Queen City

SheedSu

tton

Bramble

Shaw

Summit

Pond Creek

Delta

Turk

ey F

oot

9th

DanaS

nide

r

Center Hill

Ga in es

Paxton

Pipp in

8th

0 2.5 51.25 Miles

Copyright © 2007 Social Compact Inc.

BUSINESSES Total #Total

RevenueTotal #

Employees

All Businesses 13,985 $31,283 Million 239,312 x $2,787 / yr = $706.9 Million

Small Business (Empl. 51 - 100) 357 $3,937 Million 27,044

Small Business (Empl. 20 - 50) 1,138 $6,032 Million 35,085



GROCERY DEMAND Total # # per 10K HHAverageDistance

Total Expenditures

TotalLeakage

EstimatedSq. Ft. Potential

All Grocers 114 6.7 - $533.7 Million -

Full Service Grocers Only 20 1.2 1.06mi $15.2M 44,352

FINANCIAL SERVICES Total # # per 10K HH AverageDistance

Banks & Credit Unions 145 5.7 0.52mi

Banks Only 97 8.5 -

Pawnshops, Cashcheckers, Payday Lenders 45 2.6 -

% of Households lacking credit histories = 28%

RETAIL DEMANDEstimatedRevenue

Estimated Expenditures

EstimatedLeakage


Retail $2.3 Billion $2.5 Billion $190.7Million -

Apparel $166.5Million $289.4Million $122.9Million 361,856

Restaurants $380.9Million $410.Million $29.1Million 124,792

DrillDown Market Overview

Cincinnati

Employee Annual Spending Potential

Social CompactCatalyzing Business Investment in Inner City Neighborhoods

The lack of dependable business-oriented data on inner-city communities expands the information gap on market trends, disabling potential investors from making informed decisions. Social Compact'sNeighborhood Market DrillDown was established to provide up-to-date profiles of market size, strength, and stability for small, dense, and rapidly changing urban geographies. The DrillDown usesnumerous sources of market data to identify the fundamental business attributes and market characteristics of urban communities and aims to expose market anomalies and opportunities that may havepreviously been overlooked by traditional market analyses.


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Cincinnati Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH


Median Household Income $27,543 $28,159 $24,589 -2.0%

Aggregate Neighborhood Income $3,866 Million $3,314 Million $3,174 Million 17.0%



MARKET STABILITY









DrillDown Market OverviewStudy Area Social Compact



275

71

75

74

471

71

275

2242

127

27

25

50

52

50

52

27

42

127

8

177

125

9

546

1264

16

128 747

17

562

264 32

10

1526

9

17

8

17

4

8

126

9

9

Kemper

Fork

Winton

10

SharonMi l l

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VineHarrisonS

nide

rMadison

Mia

mi

Erie

Cornell

Clough

Sp ringdale

8th

4 Mile

GalbraithSection

Hunt

Ri dge

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Resor

Bristow

Cooper

Euc

lid

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Cox

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Colerain

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y

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Nee

b

Pip

p in

Werk

Mount Zion

Houston

Indian Hill

Wayne

SalemAmsterdam

Fleming

Harris

Kyles

Blom

e

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6th

PfeifferW

inte r

s

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Sheed

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ton

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o re

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ight

Mile

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Pond Creek

5th

Turk

ey F

oot

Dana

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Taylor

Gai ne s

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Pippin

8th

0 2.5 51.25 Miles



RevenueTotal #

Employees

All Businesses 9,989 $23,115 Million 186,136 x $2,787 / yr = $549.8 Million






Total Expenditures

TotalLeakage



Full Service Grocers Only 13 1.3 0.9mi -$66.9M -195,044


Banks & Credit Unions 94 6 0.52mi

Banks Only 59 9.6 -

Pawnshops, Cashcheckers, Payday Lenders 39 4 -




EstimatedLeakage


Retail $1.6 Billion $1.2 Billion $.Million -


Restaurants $236.4Million $193.6Million $.Million -183,257


Study Area





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Study Area Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH

Average Household Income $28,350 $30,394 $26,984 -7.0%


Aggregate Neighborhood Income $183 Million $192 Million $186 Million -5.0%



MARKET STABILITY




New Construction Units ('02-'06) 151 21.9 Per 1K Household


Violent Crime 2006 18.7 Per 1K People 10% from '02



DrillDown Market OverviewAvondale Social Compact



71

75

471

42

22

52

50

27

52

4

562

8

8

Vin

e

Mcmillan

Mitchell

Race

6th

Forest

Clif

ton

Ross

Lincoln

Liberty5th

Main

Win

ton

Spring Grove

Woo

dbur

n

Tennessee

Madison

Hig

hla n

d

University

Aub

urn

Euc

l id

Taylor

Dana

Mcmicken

Woolper

Broadw

ay

Dayton

Asmann

Huston

Ross

Vine

0 0.5 10.25 Miles



RevenueTotal #

Employees

All Businesses 401 $1,232 Million 8,828 x $2,787 / yr = $26.1 Million

Small Business (Empl. 51 - 100) 13 $67 Million 901

Small Business (Empl. 20 - 50) 37 $156 Million 1,179




Total Expenditures

TotalLeakage






Banks Only 2 7.7 -





EstimatedLeakage


Retail $. Billion $.1 Billion $25.7Million -


Restaurants $4.9Million $10.5Million $5.6Million 23,804


Avondale





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ICS

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0

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SPIT

AL

EQU

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OLE

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Avondale Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH



Aggregate Neighborhood Income $203 Million $168 Million $176 Million 21.0%



MARKET STABILITY



Median Home Sale Value $92,400 $103,506 $83,450 -11.0%






DrillDown Market OverviewBondhill Social Compact



71

75

42

22

4

561

562

561

Vine

Section

Ross

Summit

Dana

Madison

Mitchell

Williams

Forest

Tennessee

Galbraith

Bremont

Anthon

y W

ayne

Township

Woo

dbur

n

Towne

Center Hill

Losantiville

Spring Grov

e

Asmann

Huston

Wie

he

Ross

Galbraith

0 0.5 10.25 Miles



RevenueTotal #

Employees

All Businesses 232 $867 Million 3,182 x $2,787 / yr = $9.4 Million






Total Expenditures

TotalLeakage






Banks Only 0 0 -





EstimatedLeakage


Retail $.1 Billion $.1 Billion $5.8Million -

Apparel $.4Million $6.8Million $6.4Million 18,863



Bondhill





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IL1

200

$25,

000,

000


Bondhill Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE



Total # Households 635 442 502 44.0%

MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewCamp Washington Social Compact





RevenueTotal #

Employees







Total Expenditures

TotalLeakage






Banks Only 2 63 -





EstimatedLeakage


Retail $. Billion $. Billion $.Million -

Apparel $.3Million $.6Million $.4Million 1,056

Restaurants $3.6Million $.9Million $.Million -11,465


Camp Washington





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

PRIN

TERS

761

$10,

488,

000

REST

AU

RAN

TS6

88$3

,520

,000

GEN

ERA

L CO

NRA

CTO

RS5

60$4

1,60

8,00

0

CABI

NET

MA

KER

S5

8$1

,404

,000

SOCI

AL

SERV

ICE

AN

D W

ELFA

RE O

RGA

NIZ

ATI

ON

S4

45$0

MEA

T PA

CKER

S4

412

$217

,564

,000

GO

VER

NM

ENT

OFF

ICES

-CIT

Y, V

I4

105

$0

COM

MER

CIA

L PR

INTI

NG

NEC

484

$12,

012,

000

RECO

RDIN

G S

TUD

IOS

46

$564

,000

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

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even

ue

SOA

PS &

DET

ERG

ENTS

-MA

NU

FACT

250

7$3

82,2

78,0

00

MEA

T PA

CKER

S4

412

$217

,564

,000

GRA

PHIC

DES

IGN

ERS

221

0$3

3,92

0,00

0

STEE

L D

ISTR

IBU

TERS

AN

D W

ARE

HO

USE

S2

175

$183

,225

,000

FOU

ND

RIES

-STE

EL3

148

$23,

532,

000

SHEE

T M

ETA

L FA

BRIC

ATO

RS3

136

$21,

760,

000

GO

VER

NM

ENT

OFF

ICES

-CIT

Y, V

I4

105

$0

CAST

ING

S-A

LUM

INU

M (M

AN

UFA

CT1

100

$15,

100,

000

STA

TE G

OV

T-CO

RREC

TIO

NA

L IN

S1

100

$0

SOAP

S &

DET

ERG

ENTS

-MAN

UFAC

T2

507

$382

,278

,000

.00

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

MEA

T PA

CKER

S4

412

$217

,564

,000

STEE

L D

ISTR

IBU

TERS

AN

D W

ARE

HO

USE

S2

175

$183

,225

,000

MEA

T-W

HO

LESA

LE2

35$4

5,08

0,00

0

GEN

ERA

L CO

NTR

ACT

ORS

560

$41,

608,

000

GRA

PHIC

DES

IGN

ERS

221

0$3

3,92

0,00

0

AU

TOM

OBI

LE P

ART

S A

ND

SU

PPLI

ES2

73$3

2,70

4,00

0

MA

CHIN

E SH

OPS

258

4$2

4,56

7,00

0

FOU

ND

RIES

-STE

EL3

148

$23,

532,

000

CABI

NET

MA

KER

S EQ

and

SU

PLS

243

$23,

278,

000

Oth

er B

uild

ing

Mat

eria

l Dea

lers

3842

4$1

03,5

13,0

00


Camp Washington Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE



Total # Households 1,540 996 1,066 55.0%

MARKET STRENGTH






MARKET STABILITY







Property Crime 2006 76.3 Per 1K People 13% from '02


DrillDown Market OverviewCarthage Social Compact



75

424

561

562

Vine

Summit

Galbraith

Anthon

y W

ayne

Section

Township Towne

Way

ne

Center Hill

Pfau

Spring G

rove

Galbraith

MM ii ll ll CC rr ee ee kk

CCoonngg rr eessss RRuunn

0 0.5 10.25 Miles



RevenueTotal #

Employees







Total Expenditures

TotalLeakage


All Grocers 0 0.0 - $4. Million -

Full Service Grocers Only 0 0.0 1.11mi $4.M 11,746



Banks Only 2 13 -





EstimatedLeakage


Retail $. Billion $. Billion $.2Million -

Apparel $.Million $1.9Million $1.9Million 5,543



Carthage





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

AU

TOM

OBI

LE D

EALE

RS-U

SED

CA

RS7

23$1

4,88

1,00

0

ELEC

TRIC

CO

NTR

ACT

ORS

626

$5,4

12,0

00

RELI

GIO

US

ORG

AN

IZA

TIO

NS

616

$0

AU

TOM

OTI

VE

BOD

Y,PA

INT/

INTE

RIO

R RP

R/M

A5

10$1

,469

,000

SPEC

IALI

ZED

FRE

IGH

T TR

UCK

ING

, LO

CAL

534

$6,4

93,0

00

GEN

ERA

L A

UTO

MO

TIV

E RE

PAIR

44

$805

,000

AIR

CO

ND

CO

NTR

ACT

ORS

& S

UPL

S3

63$9

,198

,000

REST

AU

RAN

TS3

29$1

,160

,000

FITN

ESS

AN

D R

ECRE

ATI

ON

AL

SPO

RTS

CEN

TE3

12$1

,008

,000

GEN

ERA

L A

UTO

MO

TIV

E RE

PAIR

363

$7,5

90,0

00

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

FLA

VO

RIN

G S

YRU

P A

ND

CO

NCE

NTR

ATE

MFG

125

0$2

30,0

00,0

00

DIS

TILL

ERIE

S1

200

$155

,600

,000

MA

CHIN

E SH

OPS

210

7$1

3,16

1,00

0

FREI

GH

T TR

AN

SPO

RTA

TIO

N A

RRA

NG

EMEN

T1

100

$14,

900,

000

INTE

RURB

AN

AN

D R

URA

L BU

S TR

AN

SPO

RTA

TI1

100

$7,5

00,0

00

SPEC

IALI

ZED

FRE

IGH

T TR

UCK

ING

, LO

CAL

175

$11,

325,

000

AIR

CO

ND

CO

NTR

ACT

ORS

& S

UPL

S3

63$9

,198

,000

GEN

ERA

L A

UTO

MO

TIV

E RE

PAIR

363

$7,5

90,0

00

STEE

L D

IST

AN

D W

ARE

HO

USE

S1

50$5

2,35

0,00

0

ELEM

ENTA

RY A

ND

SEC

ON

DA

RY S

CHO

OLS

140

$0

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

FLA

VO

RIN

G S

YRU

P A

ND

CO

NCE

NTR

ATE

MFG

125

0$2

30,0

00,0

00

DIS

TILL

ERIE

S1

200

$155

,600

,000

STEE

L D

ISTR

IBU

TERS

AN

D W

ARE

HO

USE

S1

20$7

4,00

0,00

0

STEE

L D

IST

AN

D W

ARE

HO

USE

S1

50$5

2,35

0,00

0

FREI

GH

T TR

AN

SPO

RTA

TIO

N A

RRA

NG

EMEN

T1

100

$14,

900,

000

AU

TOM

OBI

LE D

EALE

RS-U

SED

CA

RS7

23$1

4,88

1,00

0

AU

TOM

OBI

LE P

ART

S A

ND

SU

PPLI

ES2

107

$13,

161,

000

SPEC

IALI

ZED

FRE

IGH

T TR

UCK

ING

, LO

CAL

175

$11,

325,

000

CON

STRU

CTIO

N M

ACH

INER

Y M

AN

UFA

CTU

RIN

G1

30$1

0,77

0,00

0

AIR

CO

ND

CO

NTR

ACT

ORS

& S

UPL

S3

63$9

,198

,000


Carthage Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

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007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewCBD Social Compact



71

75

471

22

42

52

2750

25

5252

50

17

8 9

8 8

Vine

Race

12th

6th

Liberty

9th

Main

Scott

4th

3rd

Pike11th

Elm

Walnut

Russell

Central

Western

Hig

hlan

d

Ges

t

Patterson

Lewis

Produce

Sycam

ore

Mcmicken Aub

urn

Dorchester

Crescen t

7th

Court

10th

Broadw

ay

Phi

lade

lphi

a

River Center

Johnson

Mehring

5th

Liberty Hill

Robbins

Stadium

2nd

6th

6th

3rd

4th

11th

3rd

Broadw

ay

6th

Vine

3rd

0 0.5 10.25 Miles



RevenueTotal #

Employees

All Businesses 2,358 $4,585 Million 65,349 x $2,787 / yr = $193. Million






Total Expenditures

TotalLeakage






Banks Only 20 144.3 -





EstimatedLeakage


Retail $.2 Billion $. Billion $.Million -

Apparel $34.2Million $3.4Million $.Million -90,752

Restaurants $82.Million $4.8Million $.Million -330,804


CBD





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

ATT

ORN

EYS

538

5,82

1$1

,020

,362

,000

REST

AU

RAN

TS10

51,

780

$76,

000,

000

INSU

RAN

CE82

2,83

8$1

11,6

42,0

00

REA

L ES

TATE

4640

9$5

9,89

8,00

0

GO

VER

NM

ENT

OFF

ICES

-US

3557

$0

ACC

OU

NTA

NTS

3373

9$7

7,76

5,00

0

AD

VER

TISI

NG

-AG

ENCI

ES &

CO

UN

3156

6$1

08,8

56,0

00

GO

VER

NM

ENT

OFF

ICES

-CO

UN

TY30

1,36

9$0

BAN

KS

273,

855

$21,

672,

000

REA

L ES

TATE

MA

NA

GEM

ENT

2725

3$3

2,02

6,00

0

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

SOA

PS &

DET

ERG

ENTS

-MA

NU

FACT

115

,000

$0

ATT

ORN

EYS

540

5,83

7$1

,023

,034

,000

BAN

KS

283,

861

$21,

672,

000

INSU

RAN

CE82

2,83

8$1

11,6

42,0

00

TELE

PHO

NE

COM

PAN

IES

62,

700

$10,

656,

000

HO

LDIN

G C

OM

PAN

IES

(BA

NK

)1

2,00

0$0

REST

AU

RAN

TS10

51,

760

$75,

200,

000

NEW

SPA

PERS

(PU

BLIS

HER

S)8

1,64

2$1

00,3

65,0

00

GO

VER

NM

ENT

OFF

ICES

-CO

UN

TY30

1,36

9$0

GRO

CERS

-RET

AIL

41,

203

$2,0

02,0

00

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

ATT

ORN

EYS

540

5,83

7$1

,023

,034

,000

COM

MU

NIC

ATI

ON

S EQ

UIP

MEN

T1

250

$252

,500

,000

STO

CK &

BO

ND

BRO

KER

S19

595

$244

,708

,000

BUSI

NES

S M

AN

AG

EMEN

T CO

NSU

LT25

1,10

1$1

93,2

90,0

00

FIN

AN

CIA

L A

DV

ISO

RY S

ERV

ICES

2570

8$1

35,2

90,0

00

INSU

RAN

CE82

2,83

8$1

11,6

42,0

00

AD

VER

TISI

NG

-AG

ENCI

ES &

CO

UN

3156

6$1

08,8

56,0

00

NEW

SPA

PERS

(PU

BLIS

HER

S)8

1,64

2$1

00,3

65,0

00

COA

L A

ND

CO

KE-

WH

OLE

SALE

124

$91,

176,

000

COM

PUTE

R SO

FTW

ARE

1724

3$8

0,72

6,00

0


CBD Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE

Total Population 1,952 3,368 3,830 -42.0%


Total # Households 876 1,616 1,825 -46.0%

MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewCorryville Social Compact



7142

22

52

Mcmillan

Vin

e

Clif

ton

Forest

Hig

hlan

d

University

Aub

urn

Euc

li d

Martin Luther King

Race

Lincoln

Jeffe

rson

Woolper

Dorchester

Mcmicken

Ludlow

Mc Micken

Straight

Vine

0 0.25 0.50.125 Miles



RevenueTotal #

Employees







Total Expenditures

TotalLeakage






Banks Only 2 57.1 -





EstimatedLeakage



Apparel $3.7Million $1.Million $.Million -8,111



Corryville





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

PHYS

ICIA

NS

& S

URG

EON

S10

91,

544

$490

,440

,000

REST

AU

RAN

TS18

136

$7,0

40,0

00

DEN

TIST

S7

115

$11,

385,

000

HO

SPIT

ALS

68,

220

$888

,598

,000

APA

RTM

ENTS

622

$4,3

56,0

00

LABO

RATO

RIES

-MED

ICA

L6

39$6

,063

,000

SPEC

IAL

INTE

REST

LIB

RARI

ES5

14$0

SOCI

AL

SERV

ICE

AN

D W

ELFA

RE L

IBRA

RIES

530

$0

BEA

UTY

SA

LON

S5

17$6

63,0

00

CHU

RCH

ES

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

HO

SPIT

ALS

68,

220

$888

,598

,000

PHYS

ICIA

NS

& S

URG

EON

S10

91,

544

$490

,440

,000

SCH

OO

LS-U

NIV

ERSI

TIES

& C

OLL

41,

165

$0

CITY

GO

VER

NM

ENT-

PUBL

IC H

EAL

250

5$0

BLO

OD

BA

NK

S &

CEN

TERS

123

0$2

5,76

0,00

0

SCH

OO

LS4

211

$0

HEA

LTH

SER

VIC

ES1

200

$22,

400,

000

MEN

TAL

HEA

LTH

SER

VIC

ES2

200

$17,

172,

000

HO

TELS

& M

OTE

LS1

185

$13,

875,

000

GRO

CERS

-RET

AIL

315

4$2

8,02

8,00

0

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

HO

SPIT

ALS

68,

220

$888

,598

,000

PHYS

ICIA

NS

& S

URG

EON

S10

91,

544

$490

,440

,000

CLIN

ICS

295

$31,

415,

000

GRO

CERS

-RET

AIL

315

4$2

8,02

8,00

0

BLO

OD

BA

NK

S &

CEN

TERS

123

0$2

5,76

0,00

0

CRED

IT M

AN

AG

EMEN

T SE

RVIC

E3

101

$25,

164,

000

HEA

LTH

SER

VIC

ES1

200

$22,

400,

000

MEN

TAL

HEA

LTH

SER

VIC

ES2

200

$17,

172,

000

HO

TELS

& M

OTE

LS1

185

$13,

875,

000

DEN

TIST

S7

115

$11,

385,

000


Corryville Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE



Total # Households 5,110 6,466 6,862 -21.0%

MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewCUF Social Compact



75

71

471

74

52

42

50

22

27

127

5250

Vine

8th

Gest

Race

Linn

6th

Clif

ton

Liberty

Mcmillan

Main

Ludlow

4th

Forest

Spr

i ng

Gr o

ve

Central

Elm

Walnut

Hig

hlan

d

Straight

Rav

i ne

Aub

urn

Euc

li d UniversityMartin Luther King

Hopp le St

Mehring

Western Hls

Sycamo re

Mcmicken

Woolper

Broadw

ay

Mc Micken Liberty Hill

Bee

kman

Broadw

ay

Vine

Linn

Mill

Cre

ekM

ill C

reek

0 0.5 10.25 Miles



RevenueTotal #

Employees







Total Expenditures

TotalLeakage






Banks Only 2 7.8 -





EstimatedLeakage






CUF





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

PHYS

ICIA

NS

& S

URG

EON

S46

640

$212

,280

,000

REST

AU

RAN

TS27

379

$15,

960,

000

FRA

TERN

AL

ORG

AN

IZA

TIO

NS

1412

4$0

CHU

RCH

ES13

24$0

APA

RTM

ENTS

1237

$7,3

26,0

00

LIBR

ARI

ES-IN

STIT

UTI

ON

AL

821

2$0

SCH

OO

LS8

532

$0

SOCI

AL

SERV

ICE

AN

D W

ELFA

RE O

RG6

102

$0

INSU

RAN

CE6

9$2

,898

,000

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

FED

ERA

L G

OV

T-EN

VIR

ON

MEN

TAL

11,

000

$0

PHYS

ICIA

NS

& S

URG

EON

S46

640

$212

,280

,000

HO

SPIT

ALS

260

0$6

3,60

0,00

0

SCH

OO

LS8

532

$0

REST

AU

RAN

TS27

379

$15,

960,

000

NU

RSIN

G &

CO

NV

ALE

SCEN

T H

OM

E2

274

$13,

426,

000

LIBR

ARI

ES-IN

STIT

UTI

ON

AL

821

2$0

OTH

ER S

OCI

AL

AD

VO

CACY

ORG

AN

IZA

TIO

NS

213

8$2

9,67

0,00

0

FRA

TERN

AL

ORG

AN

IZA

TIO

NS

1412

4$0

PHYS

ICIA

NS

& S

URG

EON

S46

640

$212

,280

,000

.00

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strie

s by

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even

ueTo

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ines

ses

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ALS

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0$6

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0

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0,00

0

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AU

RAN

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379

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960,

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RSIN

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SCEN

T H

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000

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ENTS

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ICS

216

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eria

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CUF Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewEast Price Hill Social Compact





RevenueTotal #

Employees







Total Expenditures

TotalLeakage






Banks Only 1 1.3 -





EstimatedLeakage


Retail $.1 Billion $.1 Billion $35.Million -


Restaurants $8.Million $14.6Million $6.7Million 28,557


East Price Hill





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ness

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ING

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ON

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TERS

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20

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000

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ERA

L CO

NTR

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ORS

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IT J

UIC

ES1

0$1

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0,00

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TOM

OBI

LE P

ART

S A

ND

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PPLI

ES4

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2,00

0

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ER C

OM

MER

CIA

L PR

INTI

NG

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$9,2

95,0

00

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ARC

H/D

EV IN

TH

E PH

YSIC

AL/

ENG

INEE

R2

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TIA

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DG

S &

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ELLI

NG

S9

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,316

,000


East Price Hill Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewEvanston Social Compact



71

52

50

22

42

562

8

561

4

561

8

Madison

5th

Dana

Ross

Lincoln

Mcmillan

Williams

Woo

d bur

n

Grandin

Tennessee

Mitchell

To

rrence

Dayton

Asmann

Forest

HopkinsHuston

Fort Thomas

William Howard Taft

DaytonDay ton

0 0.5 10.25 Miles



RevenueTotal #

Employees

All Businesses 153 $152 Million 964 x $2,787 / yr = $2.8 Million






Total Expenditures

TotalLeakage






Banks Only 0 0 -





EstimatedLeakage


Retail $. Billion $. Billion $26.3Million -


Restaurants $.6Million $6.1Million $5.5Million 23,361


Evanston





Busi

ness

Mix

Top

Indu

strie

s by

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al #

of B

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esse

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ines

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l # E

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RELI

GIO

US

ORG

AN

IZA

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NS

1432

$0

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UTY

SA

LON

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39$1

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,000

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ICES

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AG

ENTS

& B

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ERS

618

$4,5

56,0

00

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ER S

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PS4

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GIO

US

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AN

IZA

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NS

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ERA

L CO

NT

319

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00

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AU

RAN

TS3

3$5

20,0

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ER M

ISC

30

$0

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ENTA

RY A

ND

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ON

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RY S

CHO

OLS

320

0$0

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TIV

E RE

PAIR

312

$1,3

80,0

00

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strie

s by

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of E

mpl

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sTo

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ines

ses

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ND

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ON

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CHO

OLS

320

0$0

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RSIN

G C

ARE

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CILI

TIES

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0$3

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,000

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DIO

-VIS

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D S

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50$5

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OPS

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FURN

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NA

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strie

s by

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DIO

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L EQ

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ND

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000

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EX

TIN

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ISH

ERS-

WH

OLE

SALE

18

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00

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ERA

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NT

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00

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ICES

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ENTS

& B

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TIES

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E SH

OPS

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TIA

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DG

S &

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ELLI

NG

S1

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,000

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VEN

IEN

CE S

TORE

S2

18$3

,276

,000

HO

USE

HO

LD A

PPLI

AN

CE S

TORE

S1

15$3

,270

,000


Evanston Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE



Total # Households 771 858 896 -10.0%

MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewFay Apartments Social Compact





RevenueTotal #

Employees

All Businesses 11 $36 Million 114 x $2,787 / yr = $.3 Million






Total Expenditures

TotalLeakage






Banks Only 0 0 -





EstimatedLeakage



Apparel $.Million $.7Million $.7Million 1,930

Restaurants $.Million $.9Million $.9Million 3,882


Fay Apartments





Busi

ness

Mix

Top

Indu

strie

s by

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al #

of B

usin

esse

sTo

tal #

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ines

ses

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l # E

mpl

oyee

s To

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even

ue

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AL

SERV

AN

D W

ELFA

RE3

7$0

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ORS

-RES

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NG

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DER

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NIT

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LE1

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,000

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ORS

-RES

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TIAL

BLD

GS

& D

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LING

S2

53$1

0,49

4,00

0.00

Top

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strie

s by

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of E

mpl

oyee

sTo

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ses

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l # E

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AL

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AN

D W

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RE3

7$0

TIRE

DEA

LERS

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$304

,000

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ESS

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D R

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ON

AL

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RTS

CEN

TE1

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8,00

0

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GIO

US

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10

$944

,000

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DEA

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$304

,000

.00

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

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ines

ses

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l # E

mpl

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s To

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even

ue

CHIL

D D

AY

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SER

VIC

ES1

0$2

79,0

00

FITN

ESS

AN

D R

ECRE

ATI

ON

AL

SPO

RTS

CEN

TE1

1$5

8,00

0

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AL

SERV

AN

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ELFA

RE3

7$0

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GIO

US

ORG

AN

IZA

TIO

NS

11

$0

Ani

mal

, Exc

ept P

oultr

y, S

laug

hter

ing

572

$194

,940

,000

Oth

er G

roce

ry P

rod

Mer

chan

t Who

ls9

243

$187

,492

,000

Gen

eral

Lin

e G

roce

ry M

erch

ant W

hols

816

3$1

44,8

31,0

00

Mea

t & M

eat P

rod

Mer

chan

t Who

ls3

41$1

25,2

55,0

00

Frui

t & V

eget

able

Mer

chan

t Who

ls16

180

$122

,760

,000

Oth

er B

uild

ing

Mat

eria

l Dea

lers

3842

4$1

03,5

13,0

00


Fay Apartments Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE

Total Population 482 365 402 32.0%


Total # Households 212 161 173 32.0%

MARKET STRENGTH






MARKET STABILITY








Community Crime 2006 19.9 Per 1K People 14% from '02

DrillDown Market OverviewLinwood Social Compact



71

50

52

125

32

561

562

Erie

Madison

Clough

Salem

Mia

mi

Red Bank

Sut

ton

Bramble

Corbly

Murray

Delta

Paxton

Duck Creek

New

tow

n

Indian Hill

Plainv ille

Airport

Ken

woo

d

Mar

burg

Hunley

Fork

Robertson

Belm

ont

Set

tl e

Del

ta

Erie

Mar

b urg

0 0.5 10.25 Miles



RevenueTotal #

Employees







Total Expenditures

TotalLeakage


All Grocers 0 0.0 - $.6 Million -

Full Service Grocers Only 0 0.0 1.49mi $.6M 1,796



Banks Only 0 0 -





EstimatedLeakage



Apparel $.Million $.3Million $.3Million 931

Restaurants $.Million $.5Million $.5Million 1,936


Linwood





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

LAN

DSC

API

NG

SER

VIC

ES4

22$2

,184

,000

CON

CRET

E CO

NT

110

7$1

1,70

0,00

0

AIR

CO

ND

ITIO

NIN

G C

ON

TRA

CTO

RS A

ND

SYS

TEM

S130

$4,3

80,0

00

PLU

MBI

NG

CO

NT

12

$292

,000

DRY

WA

LL C

ON

TRA

CTO

RS1

100

$11,

100,

000

OFF

ICE

FURN

ITU

RE-W

HO

LESA

LE1

0$3

,426

,000

SAN

D A

ND

GRA

VEL

-WH

OLE

SALE

11

$480

,000

WIR

E RO

PE-W

HO

LESA

LE1

7$7

,329

,000

AIR

CO

ND

ITIO

NIN

G S

UPP

LIES

AN

D P

ART

S1

0$2

,550

,000

FURN

ACE

S-H

EATI

NG

-WH

OLE

SALE

14

$2,0

40,0

00

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

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ines

ses

Tota

l # E

mpl

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s To

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even

ue

INTE

RURB

AN

AN

D R

URA

L BU

S TR

AN

SPO

RTA

TI1

130

$9,7

50,0

00

PAPE

RBO

ARD

MIL

LS1

120

$56,

760,

000

CON

CRET

E CO

NT

110

7$1

1,70

0,00

0

DRY

WA

LL C

ON

TRA

CTO

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100

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000

AIR

CO

ND

ITIO

NIN

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ON

TRA

CTO

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ND

SYS

TEM

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$4,3

80,0

00

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ER B

UIL

DIN

G M

ATE

RIA

L D

EALE

RS1

30$7

,740

,000

AU

DIO

AN

D V

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EQ

UIP

MFG

124

$8,3

28,0

00

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DSC

API

NG

SER

VIC

ES4

22$2

,184

,000

PRO

CESS

DIS

TR/L

OG

ISTI

CS C

NSL

TNG

SV

CS1

20$3

,400

,000

REM

EDIA

TIO

N S

ERV

ICES

120

$2,4

80,0

00

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

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ines

ses

Tota

l # E

mpl

oyee

s To

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even

ue

PAPE

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ARD

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LS1

120

$56,

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000

PLA

STIC

S M

ATE

RIA

L A

ND

RES

IN M

FG1

13$1

2,41

5,00

0

CON

CRET

E CO

NT

110

7$1

1,70

0,00

0

DRY

WA

LL C

ON

TRA

CTO

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100

$11,

100,

000

INTE

RURB

AN

AN

D R

URA

L BU

S TR

AN

SPO

RTA

TI1

130

$9,7

50,0

00

AU

DIO

AN

D V

IDEO

EQ

UIP

MFG

124

$8,3

28,0

00

OTH

ER B

UIL

DIN

G M

ATE

RIA

L D

EALE

RS1

30$7

,740

,000

WIR

E RO

PE-W

HO

LESA

LE1

7$7

,329

,000

AIR

CO

ND

ITIO

NIN

G C

ON

TRA

CTO

RS A

ND

SYS

TEM

S130

$4,3

80,0

00

OFF

ICE

FURN

ITU

RE-W

HO

LESA

LE1

0$3

,426

,000


Linwood Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewLower Price Hill Social Compact





RevenueTotal #

Employees

All Businesses 110 $345 Million 2,714 x $2,787 / yr = $8. Million






Total Expenditures

TotalLeakage


All Grocers 5 140.7 - $.8 Million -

Full Service Grocers Only 1 28.1 0.33mi -$72.M -209,801



Banks Only 0 0 -





EstimatedLeakage




Restaurants $.2Million $.5Million $.3Million 1,115


Lower Price Hill





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

SUPE

RMA

RKET

S &

OTH

ER G

ROCE

RY S

TORE

S5

410

$74,

620,

000

RELI

GIO

US

ORG

AN

IZA

TIO

NS

415

$0

GEN

ERA

L CO

NT

352

$12,

272,

000

SOCI

AL

SERV

AN

D W

ELFA

RE3

40$0

OTH

ER M

ISC

30

$0

ELEM

ENTA

RY A

ND

SEC

ON

DA

RY S

CHO

OLS

310

8$1

98,0

00

OTH

ER W

AST

E CO

LLEC

TIO

N3

14$4

,774

,000

AIR

CO

ND

ITIO

NIN

G C

ON

T &

SYS

TEM

S2

8$1

,898

,000

PAIN

TERS

213

$1,3

05,0

00

PALL

ETS

AN

D S

KID

S-W

HO

LESA

LE2

0$9

,884

,000

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

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even

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LEG

ISLA

TIV

E BO

DIE

S2

656

$0

REG

ULA

TIO

N/A

DM

IN-C

OM

M,E

LEC/

OTH

ER U

TIL

147

0$0

SUPE

RMA

RKET

S &

OTH

ER G

ROCE

RY S

TORE

S5

410

$74,

620,

000

LABO

R U

NIO

NS/

SIM

ILA

R LA

BOR

ORG

AN

IZA

TI1

200

$0

BOLT

, NU

T, S

CREW

, RIV

ET, A

ND

WA

SHER

M1

150

$30,

000,

000

ELEM

ENTA

RY A

ND

SEC

ON

DA

RY S

CHO

OLS

310

8$1

98,0

00

PAPE

R (E

XCE

PT N

EWSP

RIN

T) M

ILLS

180

$34,

480,

000

GEN

ERA

L CO

NT

352

$12,

272,

000

FOU

ND

RY E

QU

IP A

ND

SU

PLS-

WH

OLE

SALE

150

$8,8

25,0

00

OTH

ER S

ERV

ICES

REL

ATE

D T

O A

DV

ERTI

SIN

G1

50$3

5,90

0,00

0

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

SUPE

RMA

RKET

S &

OTH

ER G

ROCE

RY S

TORE

S5

410

$74,

620,

000

OTH

ER S

ERV

ICES

REL

ATE

D T

O A

DV

ERTI

SIN

G1

50$3

5,90

0,00

0

PAPE

R (E

XCE

PT N

EWSP

RIN

T) M

ILLS

180

$34,

480,

000

BOLT

, NU

T, S

CREW

, RIV

ET, A

ND

WA

SHER

M1

150

$30,

000,

000

MA

NU

FACT

URE

RS-A

GEN

TS A

ND

REP

RESE

NTA

TIV

ES1

25$2

3,60

0,00

0

IND

UST

RIA

L EQ

UIP

AN

D S

UPL

S-W

HO

LESA

LE1

30$1

7,10

0,00

0

OTH

ER M

ETA

L CO

NTA

INER

MFG

249

$15,

794,

000

GEN

ERA

L CO

NT

352

$12,

272,

000

FREE

STA

ND

ING

AM

BULA

TORY

SRG

CL/E

MER

CT

133

$10,

065,

000

PALL

ETS

AN

D S

KID

S2

0$9

,884

,000


Lower Price Hill Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewMadisonville Social Compact



71

22

50

32

561

125

Erie

Madison

Ridge Euclid

Section

Ken

woo

d

Red

Ban

k

Bramble

Woodford

Murray

Pla

infie

ld

Cam

ar

go

Paxton

Duck Creek

Del

ta

Plainvil le

Miami

Ste

war

t

Mar

burg

Ind ian HillFork

Belm

ont

Losantivi lle

Set

t le

Delta

Erie

Mar

burg

0 0.5 10.25 Miles



RevenueTotal #

Employees







Total Expenditures

TotalLeakage






Banks Only 2 6 -





EstimatedLeakage






Madisonville





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

RELI

GIO

US

ORG

AN

IZA

TIO

NS

2370

$0

ELEM

ENTA

RY A

ND

SEC

ON

DA

RY S

CHO

OLS

1355

9$0

OTH

ER M

ISC

109

$675

,000

GEN

ERA

L A

UTO

MO

TIV

E RE

PAIR

934

$3,9

10,0

00

BEA

UTY

SA

LON

S8

11$6

63,0

00

LAN

DSC

API

NG

SER

VIC

ES7

92$9

,072

,000

RELI

GIO

US

ORG

AN

IZA

TIO

NS

70

$0

GEN

ERA

L CO

NT

610

$6,1

36,0

00

SOCI

AL

SERV

ICE

AN

D W

ELFA

RE6

105

$0

REST

AU

RAN

TS6

37$1

,880

,000

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

LABO

R U

NIO

NS/

SIM

ILA

R LA

BOR

ORG

AN

IZA

TI3

645

$0

ELEM

ENTA

RY A

ND

SEC

ON

DA

RY S

CHO

OLS

1355

9$0

CURR

ENT-

CARR

YIN

G W

IRIN

G D

EVIC

E M

FG1

500

$85,

500,

000

FRU

IT J

UIC

ES-W

HO

LESA

LE1

400

$423

,600

,000

ALL

OTH

ER S

UPP

ORT

SER

V1

300

$28,

200,

000

SOCI

AL

AD

VO

CACY

320

7$0

SPO

RTS

AN

D R

ECRE

ATI

ON

INST

RUCT

ION

214

4$1

2,09

6,00

0

SURG

ICA

L A

ND

MED

ICA

L IN

STRU

MEN

T M

FG2

137

$30,

688,

000

SOCI

AL

AD

VO

CACY

610

5$0

LAN

DSC

API

NG

SER

VIC

ES7

92$9

,072

,000

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

FRU

IT J

UIC

ES-W

HO

LESA

LE1

400

$423

,600

,000

CURR

ENT-

CARR

YIN

G W

IRIN

G D

EVIC

E M

FG1

500

$85,

500,

000

SURG

ICA

L A

ND

MED

ICA

L IN

STRU

MEN

T M

FG2

137

$30,

688,

000

ALL

OTH

ER S

UPP

ORT

SER

V1

300

$28,

200,

000

SERV

STA

TIO

N E

QU

IPM

ENT

17

$23,

478,

000

LUBR

ICA

NTS

-PET

ROLE

UM

-WH

OLE

SALE

10

$20,

124,

000

DU

ST C

OLL

ECTI

NG

SYS

140

$19,

880,

000

OFF

ICES

OF

PHYS

ICIA

NS

662

$18,

910,

000

AU

TOM

OBI

LE A

ND

TRU

CK B

ROK

ERS

10

$18,

500,

000

FIRE

ALA

RM E

Q1

20$1

3,16

0,00

0


Madisonville Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewMount Auburn Social Compact





RevenueTotal #

Employees







Total Expenditures

TotalLeakage






Banks Only 0 4.5 -





EstimatedLeakage






Mount Auburn





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

OFF

ICES

OF

PHYS

ICIA

NS

7571

5$2

22,9

55,0

00

RELI

GIO

US

ORG

AN

IZA

TIO

NS

1224

$0

OFC

S-A

LL O

THER

MIS

C H

EALT

H P

RACT

ITIO

N11

41$3

,772

,000

OTH

ER M

ISC

82

$0

OFF

ICES

OF

LAW

YERS

823

$4,9

61,0

00

RELI

GIO

US

ORG

AN

IZA

TIO

NS

60

$0

FREE

STA

ND

ING

AM

BULA

TORY

SRG

CL/E

MER

CT

541

$19,

825,

000

BEA

UTY

SA

LON

S4

5$3

12,0

00

TV S

TATI

ON

S A

ND

BRO

AD

CAST

ING

CO

MP

336

0$1

21,6

60,0

00

OTH

ER S

OCI

AL

AD

VO

CACY

328

$0

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

GEN

ERA

L M

EDIC

AL

AN

D S

URG

ICA

L H

OSP

ITA

L3

3,53

0$3

65,7

00,0

00

OFF

ICES

OF

PHYS

ICIA

NS

7571

5$2

22,9

55,0

00

TV S

TATI

ON

S A

ND

BRO

AD

CAST

ING

CO

MP

336

0$1

21,6

60,0

00

COLL

EGES

, UN

IV &

PRO

FESS

ION

AL

SCH

OO

LS2

113

$2,8

43,0

00

ELEM

ENTA

RY A

ND

SEC

ON

DA

RY S

CHO

OLS

311

3$0

NU

RSIN

G C

ARE

FA

CILI

TIES

110

5$5

,145

,000

MO

TIO

N P

ICTU

RE A

ND

VID

EO P

ROD

UCT

ION

170

$21,

980,

000

REST

AU

RAN

TS2

64$2

,560

,000

OTH

ER IN

DIV

IDU

AL

AN

D F

AM

ILY

SERV

ICES

160

$2,7

94,0

00

PSYC

HIA

TRIC

& S

UBS

TAN

CE A

BUSE

HO

SPIT

A2

51$4

,131

,000

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

GEN

ERA

L M

EDIC

AL

AN

D S

URG

ICA

L H

OSP

ITA

L3

3,53

0$3

65,7

00,0

00

OFF

ICES

OF

PHYS

ICIA

NS

7571

5$2

22,9

55,0

00

TV S

TATI

ON

S A

ND

BRO

AD

CAST

ING

CO

MP

336

0$1

21,6

60,0

00

MO

TIO

N P

ICTU

RE A

ND

VID

EO P

ROD

UCT

ION

170

$21,

980,

000

FREE

STA

ND

ING

AM

BULA

TORY

SRG

CL/E

MER

CT

541

$19,

825,

000

ALL

OTH

ER M

ISC

STO

RE R

ETA

ILER

S1

50$6

,700

,000

TILE

CER

AM

IC C

ON

TRA

CTO

RS A

ND

DEA

LERS

150

$5,8

00,0

00

NU

RSIN

G C

ARE

FA

CILI

TIES

110

5$5

,145

,000

OFF

ICES

OF

LAW

YERS

823

$4,9

61,0

00

LESS

ORS

-NO

NRE

SID

ENTI

AL

BLD

GS

34

$4,5

78,0

00


Mount Auburn Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewNorth Fairmount / South Fairmount / English Woods





RevenueTotal #

Employees







Total Expenditures

TotalLeakage






Banks Only 0 0 -





EstimatedLeakage



Apparel $.5Million $2.5Million $2.Million 5,825

Restaurants $2.9Million $3.6Million $.7Million 2,821


North Fairmount / South Fairmount / English Woods





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

OFF

ICES

OF

PHYS

ICIA

NS

7571

5$2

22,9

55,0

00

RELI

GIO

US

ORG

AN

IZA

TIO

NS

1224

$0

OFC

S-A

LL O

THER

MIS

C H

EALT

H P

RACT

ITIO

N11

41$3

,772

,000

OTH

ER M

ISC

82

$0

OFF

ICES

OF

LAW

YERS

823

$4,9

61,0

00

RELI

GIO

US

ORG

AN

IZA

TIO

NS

60

$0

FREE

STA

ND

ING

AM

BULA

TORY

SRG

CL/E

MER

CT

541

$19,

825,

000

BEA

UTY

SA

LON

S4

5$3

12,0

00

TV S

TATI

ON

S A

ND

BRO

AD

CAST

ING

CO

MP

336

0$1

21,6

60,0

00

OTH

ER S

OCI

AL

AD

VO

CACY

328

$0

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

GEN

ERA

L M

EDIC

AL

AN

D S

URG

ICA

L H

OSP

ITA

L3

3,53

0$3

65,7

00,0

00

OFF

ICES

OF

PHYS

ICIA

NS

7571

5$2

22,9

55,0

00

TV S

TATI

ON

S A

ND

BRO

AD

CAST

ING

CO

MP

336

0$1

21,6

60,0

00

COLL

EGES

, UN

IV &

PRO

FESS

ION

AL

SCH

OO

LS2

113

$2,8

43,0

00

ELEM

ENTA

RY A

ND

SEC

ON

DA

RY S

CHO

OLS

311

3$0

NU

RSIN

G C

ARE

FA

CILI

TIES

110

5$5

,145

,000

MO

TIO

N P

ICTU

RE A

ND

VID

EO P

ROD

UCT

ION

170

$21,

980,

000

REST

AU

RAN

TS2

64$2

,560

,000

OTH

ER IN

DIV

IDU

AL

AN

D F

AM

ILY

SERV

ICES

160

$2,7

94,0

00

PSYC

HIA

TRIC

& S

UBS

TAN

CE A

BUSE

HO

SPIT

A2

51$4

,131

,000

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

GEN

ERA

L M

EDIC

AL

AN

D S

URG

ICA

L H

OSP

ITA

L3

3,53

0$3

65,7

00,0

00

OFF

ICES

OF

PHYS

ICIA

NS

7571

5$2

22,9

55,0

00

TV S

TATI

ON

S A

ND

BRO

AD

CAST

ING

CO

MP

336

0$1

21,6

60,0

00

MO

TIO

N P

ICTU

RE A

ND

VID

EO P

ROD

UCT

ION

170

$21,

980,

000

FREE

STA

ND

ING

AM

BULA

TORY

SRG

CL/E

MER

CT

541

$19,

825,

000

ALL

OTH

ER M

ISC

STO

RE R

ETA

ILER

S1

50$6

,700

,000

TILE

CER

AM

IC C

ON

TRA

CTO

RS A

ND

DEA

LERS

150

$5,8

00,0

00

NU

RSIN

G C

ARE

FA

CILI

TIES

110

5$5

,145

,000

OFF

ICES

OF

LAW

YERS

823

$4,9

61,0

00

LESS

ORS

-NO

NRE

SID

ENTI

AL

BLD

GS

34

$4,5

78,0

00


North Fairmount / South Fairmount / English WoodsSocial Compact


Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewNorthside Social Compact



75

74

127

27

52

127

Win

ton

North Bend

Beekm

an

Ludlow

Clif

ton

Spr

i ng

Gr o

ve

Hopple St

W estwood Northern

Kipling

PutzSpring Grove

MM ii ll ll CCrr ee ee kk

WWeesstt FFoorrkk MMiillll CCrreeeekk

0 0.5 10.25 Miles



RevenueTotal #

Employees







Total Expenditures

TotalLeakage






Banks Only 2 6 -





EstimatedLeakage






Northside





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

CHU

RCH

ES14

39$0

REST

AU

RAN

TS13

92$4

,480

,000

BEA

UTY

SA

LON

S10

19$1

,092

,000

ELEC

TRIC

CO

NT

810

9$1

5,70

8,00

0

PRIN

TERS

611

$3,4

96,0

00

OTH

ER M

ISC

60

$402

,000

SCH

OO

LS6

130

$0

GEN

ERA

L CO

NT

526

$8,0

24,0

00

CABI

NET

MA

KER

S5

53$6

,669

,000

GEN

ERA

L M

ERCH

AN

DIS

E-RE

TAIL

54

$2,8

00,0

00

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

SCH

OO

LS6

130

$0

ELEC

TRIC

CO

NT

810

9$1

5,70

8,00

0

GA

Y A

ND

LES

BIA

N O

RGA

NIZ

ATI

ON

S1

100

$0

BAN

KS

297

$0

REST

AU

RAN

TS13

92$4

,480

,000

COPY

ING

& D

UPL

ICA

TIN

G M

ACH

INES

AN

D S

UPL

S1

90$2

9,97

0,00

0

PHYS

ICIA

NS

& S

URG

EON

S EQ

UIP

190

$20,

160,

000

CITY

GO

VER

NM

ENT-

PUBL

IC H

EAL

285

$0

JUN

IOR

COLL

EGES

& T

ECH

NIC

AL

366

$0

RAIL

ROA

DS

165

$19,

630,

000

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

COPY

ING

& D

UPL

ICA

TIN

G M

ACH

INES

AN

D S

UPL

S1

90$2

9,97

0,00

0

PHYS

ICIA

NS

& S

URG

EON

S EQ

UIP

190

$20,

160,

000

RAIL

ROA

DS

165

$19,

630,

000

BAK

ERS-

WH

OLE

SALE

214

$18,

568,

000

FEN

CE-W

HO

LESA

LE1

50$1

8,00

0,00

0

TRU

CKIN

G-H

EAV

Y H

AU

LIN

G1

50$1

6,10

0,00

0

ELEC

TRIC

CO

NT

810

9$1

5,70

8,00

0

BRA

KE

LIN

ING

-DIS

T1

30$1

3,44

0,00

0

HEA

TIN

G E

QU

IP A

ND

SU

PLS-

WH

OLE

SALE

125

$12,

750,

000

FISH

ING

BA

IT-W

HO

LESA

LE1

15$1

0,77

0,00

0


Northside Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

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007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewOver the Rhine Social Compact





RevenueTotal #

Employees







Total Expenditures

TotalLeakage



Full Service Grocers Only 1 4.6 0.29mi -$.7M -2,120



Banks Only 0 13.7 -





EstimatedLeakage




Restaurants $7.Million $3.5Million $.Million -14,821


Over the Rhine





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

ATT

ORN

EYS

6618

4$4

2,75

2,00

0

RELI

GIO

US

ORG

AN

IZA

TIO

NS

286

$2,0

10,0

00

CHU

RCH

ES26

48$0

SUPE

RMA

RKET

S &

OTH

ER G

ROCE

RY S

TORE

S23

3,42

0$0

GRO

CERS

-RET

AIL

2092

$18,

928,

000

OFF

ICES

-REA

L ES

TATE

AG

ENTS

& B

ROK

ERS

1710

3$5

,720

,000

REA

L ES

TATE

1513

$4,9

58,0

00

AD

VER

TISI

NG

-AG

ENCI

ES &

CO

UN

1476

$13,

904,

000

INSU

RAN

CE12

350

$54,

372,

000

PHO

TOG

RAPH

ERS-

COM

MER

CIA

L11

7$2

,227

,000

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

SOCI

AL

SERV

ICE

AN

D W

ELFA

RE23

3,42

0$0

CON

CESS

ION

AIR

ES1

700

$58,

800,

000

INSU

RAN

CE12

350

$54,

372,

000

SCH

OO

LS10

343

$0

APA

RTM

ENTS

721

2$4

3,56

0,00

0

AD

OPT

ION

AG

ENCI

ES3

200

$0

MU

SEU

MS

519

3$2

4,50

0,00

0

ATT

ORN

EYS

6618

4$4

2,75

2,00

0

GO

VER

NM

ENT

OFF

ICES

-CIT

Y, V

I7

166

$0

REST

AU

RAN

TS17

103

$5,7

20,0

00

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

CON

CESS

ION

AIR

ES1

700

$58,

800,

000

INSU

RAN

CE12

350

$54,

372,

000

APA

RTM

ENTS

721

2$4

3,56

0,00

0

ATT

ORN

EYS

6618

4$4

2,75

2,00

0

GEN

ERA

L CO

NT

1080

$24,

544,

000

MU

SEU

MS

519

3$2

4,50

0,00

0

OIL

S-FU

EL-W

HO

LESA

LE1

0$2

0,12

4,00

0

GRO

CERS

-RET

AIL

2092

$18,

928,

000

AD

VER

TISI

NG

-AG

ENCI

ES &

CO

UN

1476

$13,

904,

000

PUBL

ISH

ERS-

MA

GA

ZIN

E1

48$1

3,58

4,00

0


Over the Rhine Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

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Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewRiverside Social Compact



275

71

50

8

264

212

HillsideDelhi

Foley

Donaldson

Nee

b

Werk

Pete

rsburg

Harrison

Rapid RunB

oudi

not

Cleves Warsaw

Limaburg

Bender

Amste rdam

8th

Lawrence

Hulbe

rt

Eb e

n eze

r

Main

Muddy Creek

Ben

d

Upper

Turf

way

Bridgetown

Valley Trails

Crookshank

Termina l

Loom

ie

Cleves W arsaw

0 0.9 1.80.45 Miles



RevenueTotal #

Employees







Total Expenditures

TotalLeakage






Banks Only 0 0 -





EstimatedLeakage




Restaurants $.Million $1.1Million $1.1Million 4,628


Riverside





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

ELEC

TRIC

CO

NT

341

$5,4

12,0

00

OTH

ER M

ISC

323

$12,

512,

000

SALT

318

$2,3

10,0

00

APA

RTM

ENTS

36

$1,1

88,0

00

CHU

RCH

ES3

2$0

ROO

FIN

G C

ON

T2

35$4

,836

,000

GRA

IN-D

EALE

RS-W

HO

LESA

LE2

11$3

0,61

3,00

0

OIL

S-PE

TRO

LEU

M-W

HO

LESA

LE2

50$1

87,8

24,0

00

RELI

GIO

US

SCH

OO

LS2

36$0

BARG

E LI

NES

& T

ERM

INA

LS2

40$1

3,84

0,00

0

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

MA

CHIN

E TO

OLS

-MA

NU

FACT

URE

RS1

100

$23,

400,

000

DEC

ALS

(MA

NU

FACT

URE

RS)

160

$9,1

20,0

00

MA

SON

RY C

ON

T1

50$4

,900

,000

OIL

S-PE

TRO

LEU

M-W

HO

LESA

LE2

50$1

87,8

24,0

00

ELEC

TRIC

CO

NT

341

$5,4

12,0

00

OIL

FIE

LD S

ERV

ICE

140

$5,7

20,0

00

SCRE

EN P

RIN

TIN

G1

40$5

,720

,000

BARG

E LI

NES

& T

ERM

INA

LS2

40$1

3,84

0,00

0

RELI

GIO

US

SCH

OO

LS2

36$0

235

$4,8

36,0

00

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

OIL

S-PE

TRO

LEU

M-W

HO

LESA

LE2

50$1

87,8

24,0

00

OIL

S-LU

BRIC

ATI

NG

-WH

OLE

SALE

120

$67,

080,

000

GRA

IN-D

EALE

RS-W

HO

LESA

LE2

11$3

0,61

3,00

0

MA

CHIN

E TO

OLS

-MA

NU

FACT

URE

RS1

100

$23,

400,

000

GRA

IN B

ROK

ERS

16

$16,

698,

000

MA

CHIN

E TO

OLS

-WH

OLE

SALE

130

$16,

320,

000

BARG

E LI

NES

& T

ERM

INA

LS2

40$1

3,84

0,00

0

OTH

ER M

ISC

323

$12,

512,

000

DEC

ALS

(MA

NU

FACT

URE

RS)

160

$9,1

20,0

00

PLA

STIC

S-PR

OD

UCT

S-FI

NIS

HED

-WH

OLE

SALE

10

$8,4

08,0

00


Riverside Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

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007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewRoselawn Social Compact



75

42

22

4

561

562

561

Vine

Section

Summit

Ross

Galbraith

Tennessee

Wa y

n e

Bremont

Anthon

y W

ayne

Wyoming

TowneTownship

Benson

Pfau

Wie

he

Car

thag

e

Galbraith

Ross

Galbraith

MMii ll ll

CC rr eeee kk

0 0.4 0.80.2 Miles



RevenueTotal #

Employees







Total Expenditures

TotalLeakage






Banks Only 5 13 -





EstimatedLeakage


Retail $.1 Billion $.1 Billion $.Million -


Restaurants $9.Million $9.7Million $.7Million 3,145


Roselawn





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

BEA

UTY

SA

LON

S22

69$2

,808

,000

REST

AU

RAN

TS15

210

$8,8

00,0

00

CLER

GY

150

$0

SCH

OO

LS13

468

$0

INSU

RAN

CE13

32$6

,072

,000

OTH

ER M

ISC

1150

0$9

3,12

2,00

0

CHU

RCH

ES9

60$0

SOCI

AL

SERV

AN

D W

ELFA

RE8

69$0

LABO

R O

RGA

NIZ

ATI

ON

S8

7$0

REA

L ES

TATE

834

$5,0

92,0

00

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

PSYC

HIA

TRIC

HO

SPIT

ALS

155

0$4

4,55

0,00

0

OTH

ER M

ISC

1150

0$9

3,12

2,00

0

SCH

OO

LS13

468

$0

MA

CHIN

ERY-

MO

VER

S &

ERE

CTO

RS1

300

$48,

300,

000

NU

RSIN

G &

CO

NV

ALE

SCEN

T H

OM

E1

300

$6,4

00,0

00

BUSE

S-CH

ART

ER &

REN

TAL

126

0$1

9,50

0,00

0

FLA

VO

RIN

G E

XTR

ACT

S &

SYR

UPS

125

0$2

30,0

00,0

00

REST

AU

RAN

TS15

210

$8,8

00,0

00

AIR

CRA

FT E

NG

INES

& E

NG

INE

P1

150

$53,

550,

000

BUSI

NES

S M

AN

AG

EMEN

T CO

NSU

LT7

149

$25,

840,

000

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

FLA

VO

RIN

G E

XTR

ACT

S &

SYR

UPS

125

0$2

30,0

00,0

00

OTH

ER M

ISC

1150

0$9

3,12

2,00

0

TUBI

NG

-MET

AL-

WH

OLE

SALE

255

$65,

961,

000

AIR

CRA

FT E

NG

INES

& E

NG

INE

P1

150

$53,

550,

000

MA

CHIN

ERY-

MO

VER

S-ER

ECTO

RS1

300

$48,

300,

000

PSYC

HIA

TRIC

HO

SPIT

ALS

155

0$4

4,55

0,00

0

COSM

ETIC

S-M

AN

UFA

CTU

RERS

160

$29,

880,

000

BUSI

NES

S M

AN

AG

EMEN

T CO

NSU

LT7

149

$25,

840,

000

GRO

CERS

-RET

AIL

513

3$2

5,66

2,00

0

AD

VER

TISI

NG

-SPE

CIA

LTIE

S (W

H2

33$2

3,69

4,00

0


Roselawn Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

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007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewSedamsville Social Compact



71

50

25

8

264

8th

Delhi

Hillside

Foley

Amsterdam

State

Queen City

Buttermilk

Fairbanks

Warsaw

Quebec

High W a te r

Guerley

Rose

mon

t

GestRapid Run

Collins

Westwood

Sunset

And

e rso

n

Deverill

Bromley C

resc

ent S

prin

gs

Valley Trails

Cleves Warsaw

Main

Boud

i not

Saint LawrenceW

hite

Tren

ton

Lafeuille

8th

Amste rdam

0 0.5 10.25 Miles



RevenueTotal #

Employees







Total Expenditures

TotalLeakage






Banks Only 0 0 -





EstimatedLeakage


Retail $. Billion $. Billion $.8Million -

Apparel $.1Million $.6Million $.5Million 1,532

Restaurants $.2Million $.9Million $.8Million 3,257


Sedamsville





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

MO

VER

S2

3$1

,045

,000

TRU

CKIN

G-M

OTO

R FR

EIG

HT

235

$6,6

44,0

00

PAV

ING

CO

NT

14

$940

,000

CON

CRET

E CO

NT

17

$903

,000

PLU

MBI

NG

CO

NT

16

$876

,000

PAIN

TERS

10

$174

,000

WIN

DO

W C

LEA

NIN

G1

9$2

79,0

00

CASH

REG

ISTE

RS A

ND

SU

PPLI

ES1

1$3

33,0

00

ABR

ASI

VES

-WH

OLE

SALE

110

$5,7

00,0

00

MA

NU

FACT

URE

RS-A

GEN

TS A

ND

REP

RESE

NTA

TIV

ES1

0$2

,832

,000

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

NU

RSIN

G &

CO

NV

ALE

SCEN

T H

OM

E1

161

$4,1

60,0

00

CHEM

IICA

LS-W

HO

LESA

LE1

100

$100

,100

,000

SCH

OO

LS1

75$0

TRU

CKIN

G-M

OTO

R FR

EIG

HT

235

$6,6

44,0

00

GRA

IN E

LEV

ATO

RS1

30$4

,980

,000

SERV

ICE

STA

TIO

NS-

GA

SOLI

NE

&1

11$3

,300

,000

LABO

RATO

RIES

-AN

ALY

TICA

L1

11$1

,122

,000

ABR

ASI

VES

-WH

OLE

SALE

110

$5,7

00,0

00

WIN

DO

W C

LEA

NIN

G1

9$2

79,0

00

SCRE

EN P

RIN

TIN

G1

8$1

,144

,000

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

CHEM

ICA

LS-W

HO

LESA

LE1

100

$100

,100

,000

TRU

CKIN

G-M

OTO

R FR

EIG

HT

235

$6,6

44,0

00

ABR

ASI

VES

-WH

OLE

SALE

110

$5,7

00,0

00

GRA

IN E

LEV

ATO

RS1

30$4

,980

,000

NU

RSIN

G &

CO

NV

ALE

SCEN

T H

OM

E1

161

$4,1

60,0

00

SERV

ICE

STA

TIO

NS-

GA

SOLI

NE

&1

11$3

,300

,000

CEM

ENT-

MA

NU

FACT

URE

RS1

6$3

,012

,000

MA

NU

FACT

URE

RS-A

GEN

TS A

ND

REP

RESE

NTA

TIV

ES1

0$2

,832

,000

MA

RIN

AS

18

$1,1

68,0

00

SCRE

EN P

RIN

TIN

G1

8$1

,144

,000


Sedamsville Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

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007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewSouth Cumminsville / Millvale Social Compact





RevenueTotal #

Employees







Total Expenditures

TotalLeakage






Banks Only 0 0 -





EstimatedLeakage




Restaurants $.9Million $2.1Million $1.2Million 5,042


South Cumminsville / Millvale





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

CHU

RCH

ES7

8$0

REST

AU

RAN

TS3

12$8

80,0

00

SOCI

AL

SERV

AN

D W

ELFA

RE2

13$0

SCH

OO

LS2

40$0

APA

RTM

ENTS

216

$3,1

68,0

00

MA

CHIN

E SH

OPS

227

$3,3

21,0

00

CLER

GY

20

$0

GRO

CERS

-RET

AIL

212

$2,1

84,0

00

TILE

CER

AM

IC C

ON

T A

ND

DEA

LERS

13

$348

,000

PRIN

TERS

13

$456

,000

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

LIG

HTI

NG

FIX

TURE

S-M

AN

UFA

CTU

118

0$2

5,00

0,00

0

ELEC

TRIC

EQ

UIP

AN

D S

UPL

S-W

HO

LESA

LE1

85$6

1,00

0,00

0

TRU

CK R

ENTI

NG

& L

EASI

NG

175

$21,

825,

000

TRA

ILER

S-TR

UCK

-WH

OLE

SALE

160

$222

,000

,000

SCH

OO

LS2

40$0

MA

NU

FACT

URE

RS1

31$4

,061

,000

CAN

-MA

NU

FACT

URE

RS1

31$1

7,82

5,00

0

LEA

SIN

G S

ERV

ICE

130

$5,4

90,0

00

MA

CHIN

E SH

OPS

227

$3,3

21,0

00

MA

RKIN

G D

EVIC

ES (M

AN

UFA

CTU

R1

25$2

,675

,000

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

TRA

ILER

S-TR

UCK

-WH

OLE

SALE

160

$222

,000

,000

ELEC

TRIC

EQ

UIP

AN

D S

UPL

S-W

HO

LESA

LE1

85$6

1,00

0,00

0

HO

USE

WA

RES-

WH

OLE

SALE

15

$30,

750,

000

LIG

HTI

NG

FIX

TURE

S-M

AN

UFA

CTU

118

0$2

5,00

0,00

0

TRU

CK R

ENTI

NG

& L

EASI

NG

175

$21,

825,

000

CAN

-MA

NU

FACT

URE

RS1

31$1

7,82

5,00

0

WIR

E PR

OD

UCT

S-M

AN

UFA

CTU

RERS

115

$16,

900,

000

FRO

ZEN

FO

OD

S-W

HO

LESA

LE1

0$1

0,59

0,00

0

BUIL

DIN

G M

ATE

RIA

LS1

18$7

,900

,000

PAPE

R/PL

AST

IC C

UPS

CN

TNRS

/UTN

SLS-

WH

OLE

SALE

10

$6,6

24,0

00


South Cumminsville / Millvale Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE



Total # Households 1,381 873 939 58.0%

MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewSpring Grove Village Social Compact





RevenueTotal #

Employees







Total Expenditures

TotalLeakage






Banks Only 1 7.2 -





EstimatedLeakage



Apparel $23.4Million $2.Million $.Million -62,890

Restaurants $6.Million $3.Million $.Million -12,896


Spring Grove Village





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

CHU

RCH

ES5

18$0

REST

AU

RAN

TS4

138

$5,9

20,0

00

AU

TOM

OBI

LE D

EALE

RS-N

EW C

ARS

421

0$1

27,6

56,0

00

PLU

MBI

NG

CO

NTR

ACT

ORS

311

$3,0

66,0

00

GRO

CERS

-RET

AIL

315

8$2

8,75

6,00

0

GEN

ERA

L CO

NTR

ACT

ORS

226

$6,1

36,0

00

PRIN

TERS

234

$5,1

68,0

00

OTH

ER M

ISC

21

$134

,000

BARB

ERS

24

$172

,000

BUIL

DIN

G IN

SPEC

TIO

N S

ERV

ICE

22

$470

,000

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

WA

TER

& S

EWA

GE

COM

PAN

IES-

UT

160

0$1

27,8

00,0

00

WA

TER

SUPP

LY S

YSTE

MS

140

0$8

5,20

0,00

0

PRIN

TERS

125

0$2

5,00

0,00

0

AU

TOM

OBI

LE D

EALE

RS-N

EW C

ARS

421

0$1

27,6

56,0

00

MEC

HA

NIC

AL

CON

T1

200

$26,

000,

000

COLO

RS &

PIG

MEN

TS-M

AN

UFA

CTU

120

0$0

T-SH

IRTS

-RET

AIL

217

0$2

3,39

2,00

0

GRO

CERS

-RET

AIL

315

8$2

8,75

6,00

0

REST

AU

RAN

TS4

138

$5,9

20,0

00

ALL

OTH

ER S

UPP

ORT

SER

V1

125

$11,

750,

000

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

WA

TER

& S

EWA

GE

COM

PAN

IES-

UT

160

0$1

27,8

00,0

00

AU

TOM

OBI

LE D

EALE

RS-N

EW C

ARS

421

0$1

27,6

56,0

00

WA

TER

SUPP

LY S

YSTE

MS

140

0$8

5,20

0,00

0

CHEM

ICA

LS-W

HO

LESA

LE1

80$8

0,08

0,00

0

RAD

IO C

OM

M E

QU

IP &

SYS

-WH

OLE

SALE

142

$42,

420,

000

MEA

T-W

HO

LESA

LE1

50$4

2,20

0,00

0

GRO

CERS

-RET

AIL

315

8$2

8,75

6,00

0

MEC

HA

NIC

AL

CON

T1

200

$26,

000,

000

FABR

ICA

TED

PLA

TE W

ORK

-BO

ILER

SH

OPS

125

0$2

5,00

0,00

0

T-SH

IRTS

-RET

AIL

217

0$2

3,39

2,00

0


Spring Grove Village Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewWalnut Hills Social Compact





RevenueTotal #

Employees







Total Expenditures

TotalLeakage



Full Service Grocers Only 1 3.4 0.48mi -$10.M -29,093



Banks Only 2 10.3 -





EstimatedLeakage



Apparel $3.7Million $4.1Million $.5Million 1,361



Walnut Hills





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

CHU

RCH

ES33

69$0

REST

AU

RAN

TS17

365

$8,2

00,0

00

BEA

UTY

SA

LON

S17

31$1

,443

,000

ATT

ORN

EYS

1749

$10,

187,

000

INSU

RAN

CE15

71$1

3,66

2,00

0

SOCI

AL

WEL

FARE

1428

9$0

SOCI

AL

AD

VO

CACY

1349

3$0

OTH

ER M

ISC

1075

$10,

050,

000

GEN

ERA

L CO

NT

963

$19,

588,

000

ARC

HIT

ECTS

912

3$1

9,70

5,00

0

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

HEA

LTH

SER

VIC

ES4

654

$74,

592,

000

JUN

IOR

COLL

EGES

& T

ECH

NIC

AL

257

0$0

SOCI

AL

AD

VO

CACY

1349

3$0

REST

AU

RAN

TS17

365

$8,2

00,0

00

MEN

TAL

HEA

LTH

SER

VIC

ES4

294

$24,

786,

000

SOCI

AL

WEL

FARE

1428

9$0

HO

ME

HEA

LTH

SER

VIC

E3

264

$12,

936,

000

LIBR

ARI

ES1

200

$0

ELEM

ENTA

RY A

ND

SEC

ON

DA

RY S

CHO

OLS

818

2$0

TV S

TATI

ON

S A

ND

BRO

AD

CAST

ING

218

0$6

4,78

0,00

0

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

HEA

LTH

SER

VIC

ES4

654

$74,

592,

000

TV S

TATI

ON

S A

ND

BRO

AD

CAST

ING

218

0$6

4,78

0,00

0

AU

TOM

OBI

LE R

ENTI

NG

AN

D L

EASI

NG

185

$52,

400,

000

MA

NU

FACT

URE

R_A

GEN

TS4

32$3

3,04

0,00

0

MEN

TAL

HEA

LTH

SER

VIC

ES4

294

$24,

786,

000

RAD

IO S

TATI

ON

S A

ND

BRO

AD

CAST

ING

317

5$2

1,45

0,00

0

PRIN

TERS

412

5$2

0,21

6,00

0

ARC

HIT

ECTS

912

3$1

9,70

5,00

0

GEN

ERA

L CO

NT

963

$19,

588,

000

RAZO

RS-R

AZO

R BL

AD

ES-W

HO

LESA

LE1

14$1

9,50

2,00

0


Walnut Hills Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewWest End Social Compact





RevenueTotal #

Employees







Total Expenditures

TotalLeakage






Banks Only 1 6.6 -





EstimatedLeakage






West End





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

GO

VER

NM

ENT

OFF

ICES

-CIT

Y, V

I26

1,29

5$0

CHU

RCH

ES24

53$0

OTH

ER M

ISC

2016

$2,8

54,0

00

SOCI

AL

SERV

AN

D W

ELFA

RE11

178

$0

REST

AU

RAN

TS10

69$2

,760

,000

GEN

ERA

L CO

NT

836

$13,

216,

000

RAD

IO S

TATI

ON

S A

ND

BRO

AD

CAST

ING

CO

MP

718

7$2

4,97

0,00

0

SOCI

AL

AD

VO

CACY

792

$0

ARC

HIT

ECTS

717

8$2

8,69

0,00

0

INSU

RAN

CE7

97$1

3,93

8,00

0

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

FOO

D S

ERV

ICE-

MA

NA

GEM

ENT

12,

000

$312

,000

,000

RECR

EATI

ON

CEN

TERS

11,

500

$87,

000,

000

GO

VER

NM

ENT

OFF

ICES

-CIT

Y, V

I26

1,29

5$0

SCH

OO

LS6

373

$0

MA

RKET

RES

EARC

H &

AN

ALY

SIS

225

5$6

18,0

00

TV S

TATI

ON

S A

ND

BRO

AD

CAST

ING

CO

MP

320

3$5

6,22

8,00

0

CITY

GO

V A

ND

TRA

NSP

ORT

ATI

ON

PRO

GRA

MS

120

0$0

POLI

CE D

EPA

RTM

ENTS

219

7$0

DA

TA P

ROCE

SSIN

G E

QU

IP-W

HO

LESA

LE1

187

$18,

900,

000

RAD

IO S

TATI

ON

S A

ND

BRO

AD

CAST

ING

CO

MP

718

7$2

4,97

0,00

0

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

FOO

D S

ERV

ICE-

MA

NA

GEM

ENT

12,

000

$312

,000

,000

RECR

EATI

ON

CEN

TERS

11,

500

$87,

000,

000

FRU

ITS

AN

D V

EGET

ABL

ES2

112

$65,

018,

000

TV S

TATI

ON

S A

ND

BRO

AD

CAST

ING

CO

MP

320

3$5

6,22

8,00

0

BURG

LAR

ALA

RM S

YSTE

MS-

WH

OLE

SALE

170

$46,

060,

000

PAPE

R PR

OD

UCT

S-W

HO

LESA

LE3

0$4

0,79

7,00

0

AU

DIO

-VIS

UA

L PR

OD

UCT

ION

SER

112

5$3

9,25

0,00

0

LIG

HTI

NG

FIX

TURE

S-W

HO

LESA

LE1

49$3

2,24

2,00

0

MA

RKET

ING

PRO

GRA

MS

& S

ERV

IC2

75$2

8,70

0,00

0

ARC

HIT

ECTS

717

8$2

8,69

0,00

0


West End Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewWest Price Hill Social Compact





RevenueTotal #

Employees







Total Expenditures

TotalLeakage






Banks Only 4 3.9 -





EstimatedLeakage



Apparel $1.Million $15.4Million $14.4Million 42,331



West Price Hill





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

REST

AU

RAN

TS16

231

$11,

240,

000

BEA

UTY

SA

LON

S8

13$7

41,0

00

GEN

ERA

L CO

NT

70

$6,6

08,0

00

CHU

RCH

ES7

26$0

OTH

ER M

ISC

60

$0

INSU

RAN

CE6

31$5

,382

,000

CLER

GY

60

$0

PHYS

ICIA

NS

& S

URG

EON

S5

19$8

,235

,000

BARS

476

$3,8

00,0

00

SCH

OO

LS4

286

$0

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

SCH

OO

LS4

286

$0

REST

AU

RAN

TS16

231

$11,

240,

000

NU

RSIN

G &

CO

NV

ALE

SCEN

T H

OM

E1

110

$5,3

90,0

00

BARS

476

$3,8

00,0

00

RELI

GIO

US

SCH

OO

LS2

74$0

SOCI

AL

SERV

AN

D W

ELFA

RE

273

$0

PHA

RMA

CIES

456

$8,3

52,0

00

INSU

RAN

CE6

31$5

,382

,000

OX

YGEN

-WH

OLE

SALE

130

$30,

030,

000

CHU

RCH

ES7

26$0

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

OX

YGEN

-WH

OLE

SALE

130

$30,

030,

000

REST

AU

RAN

TS16

231

$11,

240,

000

PHA

RMA

CIES

456

$8,3

52,0

00

PHYS

ICIA

NS

& S

URG

EON

S5

19$8

,235

,000

WIN

DO

WS

315

$7,4

82,0

00

BAK

ERS-

WH

OLE

SALE

110

$7,1

80,0

00

GEN

ERA

L CO

NT

10

$6,7

52,0

00

OTH

ER G

ASO

LIN

E ST

ATI

ON

S7

0$6

,608

,000

SERV

ICE

STA

TIO

NS-

GA

SOLI

NE

&3

22$6

,600

,000

APP

LIA

NCE

S-H

OU

SEH

OLD

-MA

JOR-

SUPL

S1

0$5

,600

,000


West Price Hill Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewWestwood / East Westwood Social Compact





RevenueTotal #

Employees







Total Expenditures

TotalLeakage






Banks Only 10 8 -





EstimatedLeakage


Retail $.5 Billion $.3 Billion $.Million -




Westwood / East Westwood





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

PHYS

ICIA

NS

& S

URG

EON

S63

401

$127

,185

,000

REST

AU

RAN

TS47

1429

$57,

160,

000

BEA

UTY

SA

LON

S22

205

$8,1

12,0

00

INSU

RAN

CE21

77$1

2,83

4,00

0

APA

RTM

ENTS

2121

7$4

5,34

2,00

0

DEN

TIST

S20

94$9

,900

,000

REA

L ES

TATE

1818

3$2

8,27

4,00

0

SCH

OO

LS16

583

$0

CHU

RCH

ES16

101

$0

BAN

KS

1112

8$0

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

REST

AU

RAN

TS47

1429

$57,

160,

000

GRO

CERS

-RET

AIL

1175

0$1

37,9

56,0

00

HO

SPIT

ALS

170

0$7

4,20

0,00

0

SCH

OO

LS16

583

$0

DEP

ART

MEN

T ST

ORE

S3

454

$73,

548,

000

PHYS

ICIA

NS

& S

URG

EON

S63

401

$127

,185

,000

NU

RSIN

G &

CO

NV

ALE

SCEN

T H

OM

E2

305

$14,

945,

000

RETI

REM

ENT

COM

MU

NIT

IES

& H

O2

302

$5,5

38,0

00

APA

RTM

ENTS

2121

7$4

5,34

2,00

0

BEA

UTY

SA

LON

S22

205

$8,1

12,0

00

Top

Indu

strie

s by

Tot

al R

even

ueTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

GRO

CERS

-RET

AIL

1175

0$1

37,9

56,0

00

PHYS

ICIA

NS

& S

URG

EON

S63

401

$127

,185

,000

AU

TOM

OBI

LE D

EALE

RS-N

EW C

ARS

515

0$9

7,05

0,00

0

HO

SPIT

ALS

170

0$7

4,20

0,00

0

DEP

ART

MEN

T ST

ORE

S3

454

$73,

548,

000

REST

AU

RAN

TS47

1429

$57,

160,

000

APA

RTM

ENTS

2121

7$4

5,34

2,00

0

AU

TOM

OBI

LE D

EALE

RS-U

SED

CA

RS4

112

$42,

235,

000

DIS

COU

NT

STO

RES

817

7$2

8,67

4,00

0

REA

L ES

TATE

1818

3$2

8,27

4,00

0


Westwood / East Westwood Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

2007DRILLDOWN


2000Census


MARKET SIZE




MARKET STRENGTH






MARKET STABILITY









DrillDown Market OverviewWinton Hills Social Compact





RevenueTotal #

Employees







Total Expenditures

TotalLeakage






Banks Only 1 9.3 -





EstimatedLeakage


Retail $. Billion $. Billion $12.Million -


Restaurants $.Million $3.1Million $3.1Million 13,334


Winton Hills





Busi

ness

Mix

Top

Indu

strie

s by

Tot

al #

of B

usin

esse

sTo

tal #

Bus

ines

ses

Tota

l # E

mpl

oyee

s To

tal R

even

ue

TRU

CKIN

G-M

OTO

R FR

EIG

HT

887

$19,

932,

000

SOCI

AL

SERV

AN

D W

ELFA

RE4

29$0

CHU

RCH

ES4

8$0

SCH

OO

LS3

207

$0

APA

RTM

ENTS

323

$4,5

54,0

00

TRU

CKIN

G3

75$1

1,32

5,00

0

GEN

ERA

L CO

NTR

ACT

ORS

258

$13,

688,

000

PRIN

TERS

28

$1,8

24,0

00

CHIL

D C

ARE

SER

VIC

E2

1$3

10,0

00

CLIN

ICS

230

$11,

590,

000

Top

Indu

strie

s by

Tot

al #

of E

mpl

oyee

sTo

tal #

Bus

ines

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Winton Hills Social CompactCatalyzing Business Investment in Inner City Neighborhoods

Copy

right

© 2

007

Socia

l Com

pact

Inc.

Cincinnati Social Compact


SOCIAL COMPACT is a national not-for-profit corporation led by a board of business leaders whose mission is to help strengthen neighborhoods by stimulating private market investment in underservedcommunities. Social Compact accomplishes this through its Neighborhood Market DrillDown analytic tool, developed to address some of the key barriers to private investment in and around inner-cityneighborhoods – a lack of dependable market information and negative stereotypes. The DrillDown serves as a resource to community organizations, government decision makers and the private sector.Social Compact is at the forefront of identifying the market potential of underserved neighborhoods and believes that a public private partnership that involves community members and leverages privateinvestment isthe most sustainable form of community economic development.

HOUSING UNITS, POPULATION, HOUSEHOLDS: The DrillDown assembles a list of residential addresses frommunicipal and proprietary tax assessment records, municipal building permit records, utility hookups, and creditbureau records. Households, or occupied units, are determined by multiplying the total number of residentialaddresses by the vacancy rate, determined through analysis of utility usage records, at the block group level. Totalpopulation is calculated by multiplying the number of households by the average household size and adding thisnumber to the population in group quarters. Average household size and population in group quarters is providedat the block group level by the most recent census trend projections.

INCOME: Unadjusted household income estimates are derived in a series of calculations. First, a count is made ofthe number of individuals per income bracket, as determined by the three credit bureau income estimates. Then, theaverage income at the block group level is calculated by applying the Bureau of Labor and Statistics ConsumerExpenditure Survey’s estimated average income for individuals within a particular income range (projected from2004 to 2006) to the income distribution determined. The third calculation adjusts the income estimate to accountfor informal economic activity. By weighting the following eight proxies, the DrillDown estimates the monetary valueof unregulated economic activity: household with income below $30,000; difference between household incomeand household expenditures; the percentage of households with no credit record; the percentage of utilitypayments made in cash; the number of nontraditional financial service providers per household and per acre; thedifference between estimated housing costs and real home values; and the percent foreign born population.Median of the income distribution averaged from the three income ranges provided by the credit bureau data.

HOMEOWNERSHIP/OWNER OCCUPANCY: An estimate of the percentage of residential units or buildings wherethe unit or building owner is a resident. Matching the mailing and physical addresses provided by municipal taxassessor records indicates owner occupancy.

MEDIAN HOME SALE VALUE: Median home sale value is calculated using property transaction data fromproperty sales and proprietary and municipal real estate data over an 18 month period.

BUILDING RECORDS: New construction and rehabilitation (additions, alterations, repairs) is assessed usingmunicipal building permit records for the period of time between January 2002 and December 2006.

CRIME: Social Compact examines crime data at the block group level, as part of its neighborhood risk andstability analysis. Crime statistics, obtained from local police records, are gathered longitudinally to assess trendsin documented criminal activity over time. In order to maintain consistency across comparisons of time andgeography, Social Compact uses population and household counts from Census 2000 and not current DrillDownestimates; and employs the Federal Bureau of Investigation’s (FBI) Uniform Criminal Reporting (UCR) coding todefine property and violent crime. Unless otherwise stated, trends are reported for the start of the earliest yearthrough the end of the latest year for which data was obtained (i.e. “2002 – 2005” is equivalent to January 12002 – December 31 2005). Property crime includes reported incidents of arson, burglary, larceny/theft, andmotor vehicle theft (in accordance with FBI UCR coding).

CRIME CON'T: Violent crime includes reported incidents of murder, forcible rape, robbery, and aggravatedassault (in accordance with FBI UCR coding). includes reported incidents of blighted properties, disorderly conduct,littering, loitering, prostitution, trespassing and vandalism. Social Compact designed this indicator to assess visibleincidents of crime that, although not typically included in many official crime statistics, may be of particularinterest to the business community.

HOUSEHOLDS WITH NO CREDIT RECORDS: A proxy for underbanked households, a percentage of householdswithout any associated record in any of the three credit bureaus.

AGGREGATE EXPENDITURES: Through an analysis of average consumer spending by income ranges based onthe most recent Consumer Expenditure Survey conducted by the Bureau of Labor and Statistics, Social Compactcalculates aggregate consumer expenditures (retail and otherwise). The Consumer Expenditure Survey categoriesare then translated into North American Industry Classification System (NAICS) codes.

REVENUE: An estimate of annual sales revenue derived through an analysis of business-level proprietary data,characterized for various NAICS codes.

NEIGHBORHOOD LEAKAGE: An estimate derived through subtracting annual sales revenue from annualaggregate expenditures; a dollar amount that represents unmet demand within a given geography, estimatingthe flow into and out of a particular neighborhood.

BUSINESS: Businesses are categorized according to employment size and age. Small businesses are categorizedbased on employment size of 50 or less. Worker spending based on International Council of Shopping Centersoffice worker spending (2004). Distances are calculated from the blockgroup centroid to the nearestestablishment within city limits.

FINANCIAL INSTITUTIONS: Traditional financial institutions include banks and credit unions; Nontraditionalfinancial institutions include check cashers, pawnshops and payday lenders; based on listings provided by theFederal Deposit Insurance Corporation (FDIC), 2007.

GROCERY ANALYSIS: DrillDown analysis of grocery providers is based on the following three categories: (1)national/regional chain grocers; (2) smaller grocers, including local, independent, fresh vegetable markets, ethnicmarkets; and (3) all grocers, including establishments identified as grocery stores and supermarkets according toNAICS; derived from business-level proprietary data.

SOURCES: Acxiom Corporation, 2006; Claritas, 2006; Equifax Corporation, 2006; Experian Corporation, 2006;Federal Deposit Insurance Corporation, 2007; First American Real Estate Information Services Inc, 2006; Info USA,2006; Social Compact Analysis, 2006; U.S. Census Bureau, Census 2000; U.S. Department of Labor, 2004;Consumer Expenditure Survey 2004; City of Cincinnati municipal data.

DrillDown Glossary & Sources


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