1 Setup
2 Note
- 2.0.1 check if NA Region = NA levels and non-NA Region = non-NA levels
3 Correlation Matrix
4 Summary Table
5 Chord diagram
6 HQ revision and checking
- 6.1 Branch Region Status by Events Types
- 6.2 No Outside HQ has Top100 Branch Activities Issues
7 Year of Analysis
8 Move calculation and time span
9 AVG number of establishments in the top 100 MSA sample PER YEAR
10 Stacked bar plot of employment
11 Tabulation of establishments and employment based on industry type
12 Tabulate Labor/Capital/Both/Neither
13 chord diagram for non-critical moves (within same population)
- 13.0.1 critical
- 13.0.2 non-critical
14 For the HQ tables: I want to confirm that the branches are being conditioned on being in DIFFERENT MSAs than the HQ?
15 Revised HQ and Branches Table
- 15.1 Inside/Outside Region
- 15.2 Relative Population Level
  - 15.2.1 New
  - 15.2.2 Original

1 Setup

2 Note

GEOID = fips_code identifies counties
CBSAFP identifies CBSA
counties_xwalk: link counties to cbsa not every county has a CBSA!! (is this as expected?)
- pitfall: one county may be in a top100 cbsa but since it didn’t get mapped in this file, it will be counted as not in top100 cbsa
GEOID_values contains top100 cbsa’s cbsa, not geoid!
risk/population level is cbsa leveled avg across counties, where counties with no cbsa will be grouped together
nri_cbsa_all contains risk level for all (top100 and non-top100 cbsa), this is cbsa level, if cbsa is NA then everything is NA (avg_eal_All, tercile_all, avg_eal_tercile_All)
nri_cbsa contains risk level for only top100 this is cbsa level, if cbsa is NA then everything is NA (avg_eal_All, tercile_all, avg_eal_tercile_All)
nri_county: is assigned cbsa’s level to each county, but using the nri_cbsa, which means a county with NA level have 2 reasons:
- no cbsa got mapped to this county (CBSAFP = NA)
- the cbsa of this county is not in the top100 cbsa (CBSAFP is not NA, but levels are NA)
regions: GEOID in this file is CBSAFP, only the cbsafp and associated region for top100 cbsa
regions_county: contains map between each county to region, note that 2 sources will result in NA region:
- only the counties in top100 cbsa will have a region mapped
- if one county has no CBSAFP mapped in counties_xwalk it will have no region**
top100_cbsa: only cbsa in top 100 cbsa has value, GEOID is CBSAFP, but then renamed in top100_cbsa, and end product counties_pop_cbsa contains mapping between counties to pop level

2.0.1 check if NA Region = NA levels and non-NA Region = non-NA levels

## Check 1 FAILED: Some rows with a Region are missing other required values.

## Check 2 FAILED: Some rows without a Region have unexpected data in the other columns.

3 Correlation Matrix

A correlation matrix for a set of variables (at the MSA level):

population (total)
avg. HH income (medhhinc, avg_hh_income) (median or average?)
(un)employment rate (unemp)
Median Housing Price (medianhhval)
Median Rent (medgrossrent)
share with College degree or higher (share_bac_plus)
average age (pct_adult, median_age) (median or adult share?)
housing vacancy rate (vacant)

## Rows: 939 Columns: 8
## ── Column specification ────────────────────────────────────────────────────────
## Delimiter: ","
## dbl (8): medgrossrents, median_age, medianhhval, total, unemp, vacant, avg_h...
## 
## ℹ Use `spec()` to retrieve the full column specification for this data.
## ℹ Specify the column types or set `show_col_types = FALSE` to quiet this message.

## Warning: package 'corrplot' was built under R version 4.4.1

## corrplot 0.95 loaded

##                          median rent  median age median housing price
## median rent               1.00000000 -0.05151770          0.892391230
## median age               -0.05151770  1.00000000          0.033437150
## median housing price      0.89239123  0.03343715          1.000000000
## population                0.40368193 -0.06539734          0.314780319
## unemployment rate        -0.16686842  0.05568909         -0.157187859
## house vacant rate        -0.09787767  0.33028692         -0.006004918
## average househole income  0.85683354 -0.02457401          0.809322916
## share of bach n above     0.62936711 -0.13043771          0.634526571
##                           population unemployment rate house vacant rate
## median rent               0.40368193       -0.16686842      -0.097877667
## median age               -0.06539734        0.05568909       0.330286917
## median housing price      0.31478032       -0.15718786      -0.006004918
## population                1.00000000        0.01538049      -0.179296396
## unemployment rate         0.01538049        1.00000000       0.261487866
## house vacant rate        -0.17929640        0.26148787       1.000000000
## average househole income  0.37332800       -0.41309409      -0.195993740
## share of bach n above     0.30040397       -0.26520005      -0.090199500
##                          average househole income share of bach n above
## median rent                            0.85683354             0.6293671
## median age                            -0.02457401            -0.1304377
## median housing price                   0.80932292             0.6345266
## population                             0.37332800             0.3004040
## unemployment rate                     -0.41309409            -0.2652000
## house vacant rate                     -0.19599374            -0.0901995
## average househole income               1.00000000             0.7096311
## share of bach n above                  0.70963113             1.0000000

Correlation of Variables with Population
Variable	CorrelationWithPopulation
population	1.000
median rent	0.404
average househole income	0.373
median housing price	0.315
share of bach n above	0.300
unemployment rate	0.015
median age	-0.065
house vacant rate	-0.179

4 Summary Table

A summary table of the analysis sample:

# establishments
# employees
employees/establishment
# HQ establishments
# branch establishments

Mean, min, max for each variable across top 100 MSAs and across outside MSAs
Overall and for two end point years

Summary Statistics for Top 100 and Outside MSAs
		Establishments			Employees			Employees per Estab.			HQ Establishments			Branch Establishments
Period	msa_category	establishments__Mean	establishments__Min	establishments__Max	employees__Mean	employees__Min	employees__Max	employees_per_establishment__Mean	employees_per_establishment__Min	employees_per_establishment__Max	hq_establishments__Mean	hq_establishments__Min	hq_establishments__Max	branch_establishments__Mean	branch_establishments__Min	branch_establishments__Max
Overall	Outside MSAs	283.9	1	146,976	5,844.6	0	2,206,220	18.6	0.0	1,130.0	126.0	1	10,321	283.9	1	146,976
Overall	Top 100 MSAs	4,263.8	33	96,667	109,980.3	297	2,962,736	22.7	4.3	77.4	1,062.8	10	8,519	4,263.8	33	96,667
2013	Outside MSAs	150.8	1	18,117	2,879.1	7	270,502	18.5	4.4	314.1	94.9	1	3,510	150.8	1	18,117
2013	Top 100 MSAs	2,725.2	181	18,458	63,283.9	3,093	471,226	22.9	11.8	50.9	998.2	65	4,104	2,725.2	181	18,458
2022	Outside MSAs	1,040.7	8	146,976	22,392.3	58	2,206,220	21.0	2.3	129.2	336.8	5	10,321	1,040.7	8	146,976
2022	Top 100 MSAs	14,884.6	3,243	96,667	408,512.9	29,007	2,962,736	26.6	8.9	40.4	2,275.1	495	8,519	14,884.6	3,243	96,667

5 Chord diagram

Chord diagram for chain/independent moves inside/outside region

## Rows: 31469 Columns: 13
## ── Column specification ────────────────────────────────────────────────────────
## Delimiter: ","
## chr (8): avg_eal_tercile_old, avg_eal_tercile_new, parent, critical, pop_ter...
## dbl (5): CBSAFP_old, CBSAFP_new, row_count, popE_old, popE_new
## 
## ℹ Use `spec()` to retrieve the full column specification for this data.
## ℹ Specify the column types or set `show_col_types = FALSE` to quiet this message.
## `summarise()` has grouped output by 'avg_eal_tercile_old'. You can override using the `.groups` argument.

## `summarise()` has grouped output by 'avg_eal_tercile_old'. You can override
## using the `.groups` argument.

## `summarise()` has grouped output by 'avg_eal_tercile_old'. You can override
## using the `.groups` argument.

## `summarise()` has grouped output by 'avg_eal_tercile_old'. You can override
## using the `.groups` argument.

6 HQ revision and checking

6.1 Branch Region Status by Events Types

## 
## 
## ### Inside - Branch Opening 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch openings for Inside region CBSA headquarters</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 10149 </td>
##    <td style="text-align:center;"> 6.4% </td>
##    <td style="text-align:center;"> 10968 </td>
##    <td style="text-align:center;"> 6.9% </td>
##    <td style="text-align:center;"> 138246 </td>
##    <td style="text-align:center;"> 86.7% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 13859 </td>
##    <td style="text-align:center;"> 13.9% </td>
##    <td style="text-align:center;"> 75324 </td>
##    <td style="text-align:center;"> 75.6% </td>
##    <td style="text-align:center;"> 10473 </td>
##    <td style="text-align:center;"> 10.5% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 68786 </td>
##    <td style="text-align:center;"> 62.1% </td>
##    <td style="text-align:center;"> 21316 </td>
##    <td style="text-align:center;"> 19.3% </td>
##    <td style="text-align:center;"> 20621 </td>
##    <td style="text-align:center;"> 18.6% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##    <td style="text-align:center;"> 1004 </td>
##    <td style="text-align:center;"> 100.0% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### Inside - Branch Closing 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch closings for Inside region CBSA headquarters</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 9281 </td>
##    <td style="text-align:center;"> 7.4% </td>
##    <td style="text-align:center;"> 10055 </td>
##    <td style="text-align:center;"> 8.0% </td>
##    <td style="text-align:center;"> 105744 </td>
##    <td style="text-align:center;"> 84.5% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 11964 </td>
##    <td style="text-align:center;"> 15.8% </td>
##    <td style="text-align:center;"> 55595 </td>
##    <td style="text-align:center;"> 73.3% </td>
##    <td style="text-align:center;"> 8328 </td>
##    <td style="text-align:center;"> 11.0% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 43853 </td>
##    <td style="text-align:center;"> 62.0% </td>
##    <td style="text-align:center;"> 14432 </td>
##    <td style="text-align:center;"> 20.4% </td>
##    <td style="text-align:center;"> 12404 </td>
##    <td style="text-align:center;"> 17.5% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##    <td style="text-align:center;"> 697 </td>
##    <td style="text-align:center;"> 100.0% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### Inside - Branch Expansion 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch expansions for Inside region CBSA headquarters</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 567 </td>
##    <td style="text-align:center;"> 7.0% </td>
##    <td style="text-align:center;"> 645 </td>
##    <td style="text-align:center;"> 8.0% </td>
##    <td style="text-align:center;"> 6853 </td>
##    <td style="text-align:center;"> 85.0% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 707 </td>
##    <td style="text-align:center;"> 14.3% </td>
##    <td style="text-align:center;"> 3729 </td>
##    <td style="text-align:center;"> 75.4% </td>
##    <td style="text-align:center;"> 507 </td>
##    <td style="text-align:center;"> 10.3% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 3393 </td>
##    <td style="text-align:center;"> 64.0% </td>
##    <td style="text-align:center;"> 1018 </td>
##    <td style="text-align:center;"> 19.2% </td>
##    <td style="text-align:center;"> 888 </td>
##    <td style="text-align:center;"> 16.8% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##    <td style="text-align:center;"> 42 </td>
##    <td style="text-align:center;"> 100.0% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### Outside - Branch Opening 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch openings for Outside region CBSA headquarters</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 77934 </td>
##    <td style="text-align:center;"> 16.6% </td>
##    <td style="text-align:center;"> 102851 </td>
##    <td style="text-align:center;"> 21.9% </td>
##    <td style="text-align:center;"> 126468 </td>
##    <td style="text-align:center;"> 26.9% </td>
##    <td style="text-align:center;"> 163111 </td>
##    <td style="text-align:center;"> 34.7% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 61138 </td>
##    <td style="text-align:center;"> 16.1% </td>
##    <td style="text-align:center;"> 70719 </td>
##    <td style="text-align:center;"> 18.6% </td>
##    <td style="text-align:center;"> 110745 </td>
##    <td style="text-align:center;"> 29.1% </td>
##    <td style="text-align:center;"> 137885 </td>
##    <td style="text-align:center;"> 36.2% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 81272 </td>
##    <td style="text-align:center;"> 14.0% </td>
##    <td style="text-align:center;"> 109282 </td>
##    <td style="text-align:center;"> 18.8% </td>
##    <td style="text-align:center;"> 136504 </td>
##    <td style="text-align:center;"> 23.4% </td>
##    <td style="text-align:center;"> 255390 </td>
##    <td style="text-align:center;"> 43.8% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 562 </td>
##    <td style="text-align:center;"> 48.4% </td>
##    <td style="text-align:center;"> 329 </td>
##    <td style="text-align:center;"> 28.3% </td>
##    <td style="text-align:center;"> 271 </td>
##    <td style="text-align:center;"> 23.3% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### Outside - Branch Closing 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch closings for Outside region CBSA headquarters</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 69712 </td>
##    <td style="text-align:center;"> 16.7% </td>
##    <td style="text-align:center;"> 92845 </td>
##    <td style="text-align:center;"> 22.3% </td>
##    <td style="text-align:center;"> 113866 </td>
##    <td style="text-align:center;"> 27.3% </td>
##    <td style="text-align:center;"> 140796 </td>
##    <td style="text-align:center;"> 33.7% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 53393 </td>
##    <td style="text-align:center;"> 15.7% </td>
##    <td style="text-align:center;"> 59804 </td>
##    <td style="text-align:center;"> 17.6% </td>
##    <td style="text-align:center;"> 96647 </td>
##    <td style="text-align:center;"> 28.5% </td>
##    <td style="text-align:center;"> 129320 </td>
##    <td style="text-align:center;"> 38.1% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 46597 </td>
##    <td style="text-align:center;"> 14.2% </td>
##    <td style="text-align:center;"> 58045 </td>
##    <td style="text-align:center;"> 17.7% </td>
##    <td style="text-align:center;"> 77407 </td>
##    <td style="text-align:center;"> 23.6% </td>
##    <td style="text-align:center;"> 146523 </td>
##    <td style="text-align:center;"> 44.6% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 335 </td>
##    <td style="text-align:center;"> 37.2% </td>
##    <td style="text-align:center;"> 290 </td>
##    <td style="text-align:center;"> 32.2% </td>
##    <td style="text-align:center;"> 276 </td>
##    <td style="text-align:center;"> 30.6% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### Outside - Branch Expansion 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch expansions for Outside region CBSA headquarters</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 4165 </td>
##    <td style="text-align:center;"> 17.5% </td>
##    <td style="text-align:center;"> 5437 </td>
##    <td style="text-align:center;"> 22.8% </td>
##    <td style="text-align:center;"> 6573 </td>
##    <td style="text-align:center;"> 27.6% </td>
##    <td style="text-align:center;"> 7657 </td>
##    <td style="text-align:center;"> 32.1% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 3354 </td>
##    <td style="text-align:center;"> 16.8% </td>
##    <td style="text-align:center;"> 3607 </td>
##    <td style="text-align:center;"> 18.1% </td>
##    <td style="text-align:center;"> 5484 </td>
##    <td style="text-align:center;"> 27.5% </td>
##    <td style="text-align:center;"> 7504 </td>
##    <td style="text-align:center;"> 37.6% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 3974 </td>
##    <td style="text-align:center;"> 15.5% </td>
##    <td style="text-align:center;"> 4802 </td>
##    <td style="text-align:center;"> 18.8% </td>
##    <td style="text-align:center;"> 5662 </td>
##    <td style="text-align:center;"> 22.1% </td>
##    <td style="text-align:center;"> 11133 </td>
##    <td style="text-align:center;"> 43.5% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 22 </td>
##    <td style="text-align:center;"> 41.5% </td>
##    <td style="text-align:center;"> 15 </td>
##    <td style="text-align:center;"> 28.3% </td>
##    <td style="text-align:center;"> 16 </td>
##    <td style="text-align:center;"> 30.2% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
## </tbody>
## </table>

6.2 No Outside HQ has Top100 Branch Activities Issues

6.2.1 1. How Region and Risk Values are Determined

The fundamental point to understand is that region and risk level information exists only for the Top 100 MSAs. This happens because the Region data is explicitly loaded from a file named top100_regions.csv. This list is then joined to your main dataset.

As a result:

Any establishment (headquarters or branch) located inside one of these Top 100 MSAs will receive a Region value (e.g., “Pacific”, “Northeast”) and a risk level (e.g., “Low”, “Moderate”, “High”).
Any establishment located outside the Top 100 MSAs will have a missing value (NA) for its Region and risk level after the join. In the summary tables, this NA risk level is categorized as “Outside”.

6.2.2 2. The Logic for “Inside Region” vs. “Outside Region”

The case_when() statement in your code classifies every business activity into one of two scenarios based on the regions of the headquarters (parent_region) and the branch (Region). The rules are applied in this specific order:

An activity is classified as “Inside Region” if:
- Both the HQ’s region and the branch’s region are unknown (NA). This effectively treats an activity between two non-Top 100 locations as an internal event.
- The HQ and branch regions are known and are identical (e.g., both are in the “Pacific”).
- A special case where the branch’s region is NA but the parent is categorized as being in the “Outside” region.

An activity is classified as “Outside Region” in all other cases, most notably if:

One location is inside the Top 100 (and has a region value) while the other is outside the Top 100 (and has an NA region).
Both locations are inside the Top 100 but are in different regions (e.g., “Pacific” to “Northeast”).

6.2.3 3. How This Logic Creates Systematic Zeros

The interplay between the limited data (Point 1) and the strict classification rules (Point 2) directly leads to the zeros in summary tables.

Zeros in the “Outside Region” Tables The Pattern: In tables for “Outside Region” activities, the cell for an “Outside” HQ and an “Outside” Branch is always zero.

The Reason: An “Outside-to-Outside” activity means both the HQ and the branch are not in the Top 100, so both have NA for their region. According to the first and most specific rule in the case_when() logic, this scenario is always classified as “Inside Region.” Therefore, it is logically impossible for it to appear in a table filtered for “Outside Region” activities.
Zeros in the “Inside Region” Tables The Pattern: In tables for “Inside Region” activities, the cells for an “Outside” HQ and a branch with a defined risk level (Low, Moderate, or High) are always zero.

The Reason: An “Outside” HQ is not in the Top 100 and has NA for its region. A branch with a defined risk level must be in the Top 100 and therefore has a real Region value. The case_when() logic sees a mismatch between NA and a real region name and classifies this as an “Outside Region” activity. Therefore, it’s impossible for this combination to appear in the “Inside Region” table.

7 Year of Analysis

All data was pulled between 2013-2022, 2012 data was pulled too in order to calculate the moves.

8 Move calculation and time span

The moves are calculated across an 11-year period, using data from 2012 to 2022 inclusive, as specified in the SQL query’s WHERE clause. A “move” is identified on a year-over-year basis for each unique establishment (identified by abi). The query uses LAG() and LEAD() functions to compare an establishment’s county (fips_code) in a given year with its county in the previous and next year. A record is kept if the fips_code changes between adjacent years, effectively capturing any annual change in an establishment’s location.

9 AVG number of establishments in the top 100 MSA sample PER YEAR

## Rows: 1000 Columns: 10
## ── Column specification ────────────────────────────────────────────────────────
## Delimiter: ","
## chr (2): avg_eal_tercile, NAME
## dbl (8): archive_version_year, CBSAFP, rows, with_parent_number, mean_employ...
## 
## ℹ Use `spec()` to retrieve the full column specification for this data.
## ℹ Specify the column types or set `show_col_types = FALSE` to quiet this message.

## # A tibble: 100 × 12
##    MSA     `2013` `2014` `2015` `2016` `2017` `2018` `2019` `2020` `2021` `2022`
##    <chr>    <dbl>  <dbl>  <dbl>  <dbl>  <dbl>  <dbl>  <dbl>  <dbl>  <dbl>  <dbl>
##  1 Akron,…  35286  34528  33417  33572  31598  31026  31138  30702  31681  34020
##  2 Albany…  43831  44529  43812  44417  41892  40229  41180  41059  42081  45647
##  3 Albuqu…  48029  49170  44806  45779  42235  41104  40066  39476  40673  42766
##  4 Allent…  39733  39906  39402  39654  37685  36940  38387  38665  39458  41991
##  5 Atlant… 297494 289301 273308 276705 258262 258484 266326 259950 266697 282431
##  6 August…  26497  26465  25513  26226  24508  24228  24040  23837  24178  25968
##  7 Austin…  86694  89317  90619  93115  88932  90358 101255 104547 109052 116770
##  8 Bakers…  29718  29167  29147  28335  27151  27072  31144  32065  33186  34676
##  9 Baltim… 136242 133396 131635 132058 123344 121446 135386 139828 143906 154947
## 10 Baton …  40593  41079  41356  40890  38582  38854  44820  45104  46401  48376
## # ℹ 90 more rows
## # ℹ 1 more variable: Average <int>

10 Stacked bar plot of employment

## Warning: package 'janitor' was built under R version 4.4.1

## 
## Attaching package: 'janitor'

## The following objects are masked from 'package:stats':
## 
##     chisq.test, fisher.test

## Rows: 5694 Columns: 6
## ── Column specification ────────────────────────────────────────────────────────
## Delimiter: ","
## chr (3): pop_tercile, avg_eal_tercile, critical
## dbl (3): archive_version_year, naics_2, employees
## 
## ℹ Use `spec()` to retrieve the full column specification for this data.
## ℹ Specify the column types or set `show_col_types = FALSE` to quiet this message.

10.1 Critical

10.2 Labor

10.3 Capital

11 Tabulation of establishments and employment based on industry type

## Rows: 5694 Columns: 6
## ── Column specification ────────────────────────────────────────────────────────
## Delimiter: ","
## chr (3): pop_tercile, avg_eal_tercile, critical
## dbl (3): archive_version_year, naics_2, row_count
## 
## ℹ Use `spec()` to retrieve the full column specification for this data.
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## Rows: 5694 Columns: 6
## ── Column specification ────────────────────────────────────────────────────────
## Delimiter: ","
## chr (3): pop_tercile, avg_eal_tercile, critical
## dbl (3): archive_version_year, naics_2, employees
## 
## ℹ Use `spec()` to retrieve the full column specification for this data.
## ℹ Specify the column types or set `show_col_types = FALSE` to quiet this message.

Establishments and Employment by critical
pop_tercile	avg_eal_tercile	Establishments_Critical	Establishments_Non-Critical	Employees_Critical	Employees_Non-Critical
Pop: High	High	27,123,642	18,366,481	298,123,772	140,906,503
Pop: High	Low	7,583,678	4,608,311	95,046,814	42,175,996
Pop: High	Moderate	13,269,382	7,979,102	162,363,768	74,206,711
Pop: Low	High	1,749,249	1,202,874	18,505,679	7,886,033
Pop: Low	Low	3,119,051	1,672,026	39,631,141	15,180,579
Pop: Low	Moderate	2,066,033	1,142,586	25,163,904	10,373,093
Pop: Moderate	High	3,158,397	1,932,656	37,834,454	14,851,403
Pop: Moderate	Low	4,593,052	2,542,966	59,114,510	24,298,948
Pop: Moderate	Moderate	5,367,096	3,068,662	61,588,527	26,129,458

Establishments and Employment by capital
pop_tercile	avg_eal_tercile	Establishments_Capital Intensive	Establishments_Non-Capital Intensive	Employees_Capital Intensive	Employees_Non-Capital Intensive
Pop: High	High	5,003,920	40,486,203	63,490,296	375,539,979
Pop: High	Low	1,342,692	10,849,297	19,944,861	117,277,949
Pop: High	Moderate	2,468,983	18,779,501	38,378,888	198,191,591
Pop: Low	High	387,393	2,564,730	3,985,240	22,406,472
Pop: Low	Low	533,424	4,257,653	7,855,491	46,956,229
Pop: Low	Moderate	406,591	2,802,028	6,582,577	28,954,420
Pop: Moderate	High	589,666	4,501,387	8,752,526	43,933,331
Pop: Moderate	Low	803,311	6,332,707	12,625,924	70,787,534
Pop: Moderate	Moderate	984,835	7,450,923	15,110,659	72,607,326

Establishments and Employment by labor
pop_tercile	avg_eal_tercile	Establishments_Labor Intensive	Establishments_Non-Labor Intensive	Employees_Labor Intensive	Employees_Non-Labor Intensive
Pop: High	High	35,074,056	10,416,067	336,854,859	102,175,416
Pop: High	Low	9,453,355	2,738,634	103,412,950	33,809,860
Pop: High	Moderate	16,452,752	4,795,732	177,563,852	59,006,627
Pop: Low	High	2,273,866	678,257	20,426,172	5,965,540
Pop: Low	Low	3,733,332	1,057,745	40,856,050	13,955,670
Pop: Low	Moderate	2,487,596	721,023	26,284,196	9,252,801
Pop: Moderate	High	3,927,632	1,163,421	39,441,031	13,244,826
Pop: Moderate	Low	5,614,281	1,521,737	62,505,416	20,908,042
Pop: Moderate	Moderate	6,577,232	1,858,526	64,601,568	23,116,417

12 Tabulate Labor/Capital/Both/Neither

## Rows: 5694 Columns: 6
## ── Column specification ────────────────────────────────────────────────────────
## Delimiter: ","
## chr (3): pop_tercile, avg_eal_tercile, critical
## dbl (3): archive_version_year, naics_2, row_count
## 
## ℹ Use `spec()` to retrieve the full column specification for this data.
## ℹ Specify the column types or set `show_col_types = FALSE` to quiet this message.

Total Establishments by NAICS Classification
classification	total_establishments
Labor Intensive Only	78,271,548
Capital Intensive Only	5,198,261
Both	7,322,554
Neither	19,752,881

Tabulation of Establishments in ‘Neither’ Category
naics_2	total_establishments
52	7,380,595
99	6,324,125
56	3,953,247
92	1,953,776
NA	141,138

13 chord diagram for non-critical moves (within same population)

This is available at the Rpubs section 7.1.3 critical and 7.1.4 non-critical

13.0.1 critical

## Rows: 9 Columns: 3
## ── Column specification ────────────────────────────────────────────────────────
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## chr (2): avg_eal_tercile_old, avg_eal_tercile_new
## dbl (1): row_count
## 
## ℹ Use `spec()` to retrieve the full column specification for this data.
## ℹ Specify the column types or set `show_col_types = FALSE` to quiet this message.

Critical Same Population Moves: Risk level to Risk level
avg_eal_tercile_old	High	Low	Moderate
High	0.4626455	0.0411587	0.0918508
Low	0.0439087	0.0399670	0.0880924
Moderate	0.0735173	0.0747090	0.0841507

13.0.2 non-critical

## Rows: 9 Columns: 3
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## Delimiter: ","
## chr (2): avg_eal_tercile_old, avg_eal_tercile_new
## dbl (1): row_count
## 
## ℹ Use `spec()` to retrieve the full column specification for this data.
## ℹ Specify the column types or set `show_col_types = FALSE` to quiet this message.

Non-Critical Same Population Moves: Risk level to Risk level
avg_eal_tercile_old	High	Low	Moderate
High	0.4721569	0.0495238	0.1001681
Low	0.0476190	0.0302521	0.0770868
Moderate	0.0834734	0.0676751	0.0720448

14 For the HQ tables: I want to confirm that the branches are being conditioned on being in DIFFERENT MSAs than the HQ?

Question: what does this mean? HQ are defined as business_status_code = ‘1’ or abi==parent_number, that said, a HQ and it’s branches can be in the same MSA.

A total of 588363 branches is in the same MSA as the HQ.

##         archive_version_year fips_code parent_number       abi
##                        <int>    <char>        <char>    <char>
##      1:                 2012     42005     000025650 415358056
##      2:                 2012     06073     000071340 404901951
##      3:                 2012     06073     000071340 414764635
##      4:                 2012     06073     000071340 614430593
##      5:                 2012     06073     000071340 619947328
##     ---                                                       
## 588359:                 2022     42091     998154678 646157776
## 588360:                 2022     51059     998159818 726310925
## 588361:                 2022     39035     998913677 240609990
## 588362:                 2022     39035     998913677 714867074
## 588363:                 2022     09009     998937213 687649848
##              parent_region             Region CBSAFP_parent CBSAFP.x
##                     <char>             <char>         <int>    <int>
##      1:    Middle Atlantic    Middle Atlantic         38300    38300
##      2:            Pacific            Pacific         41740    41740
##      3:            Pacific            Pacific         41740    41740
##      4:            Pacific            Pacific         41740    41740
##      5:            Pacific            Pacific         41740    41740
##     ---                                                             
## 588359:    Middle Atlantic    Middle Atlantic         37980    37980
## 588360:     South Atlantic     South Atlantic         47900    47900
## 588361: East North Central East North Central         17460    17460
## 588362: East North Central East North Central         17460    17460
## 588363:        New England        New England         35300    35300
##         avg_eal_tercile_parent avg_eal_tercile
##                         <char>          <char>
##      1:                    Low             Low
##      2:                   High            High
##      3:                   High            High
##      4:                   High            High
##      5:                   High            High
##     ---                                       
## 588359:                   High            High
## 588360:                    Low             Low
## 588361:                    Low             Low
## 588362:                    Low             Low
## 588363:                   High            High

15 Revised HQ and Branches Table

15.1 Inside/Outside Region

## 
## 
## ## Part 1: Analysis for Headquarters and Branches within Top 100 CBSAs

## 
## 
## ### Inside Region - Branch Opening 
## <table class="table table-striped table-hover table-condensed" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Opening for HQs in Top 100 (Branch Inside Region)</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 10149 </td>
##    <td style="text-align:center;"> 6.4% </td>
##    <td style="text-align:center;"> 10968 </td>
##    <td style="text-align:center;"> 6.9% </td>
##    <td style="text-align:center;"> 138246 </td>
##    <td style="text-align:center;"> 86.7% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 13859 </td>
##    <td style="text-align:center;"> 13.9% </td>
##    <td style="text-align:center;"> 75324 </td>
##    <td style="text-align:center;"> 75.6% </td>
##    <td style="text-align:center;"> 10473 </td>
##    <td style="text-align:center;"> 10.5% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 68786 </td>
##    <td style="text-align:center;"> 62.1% </td>
##    <td style="text-align:center;"> 21316 </td>
##    <td style="text-align:center;"> 19.3% </td>
##    <td style="text-align:center;"> 20621 </td>
##    <td style="text-align:center;"> 18.6% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### Inside Region - Branch Closing 
## <table class="table table-striped table-hover table-condensed" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Closing for HQs in Top 100 (Branch Inside Region)</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 9281 </td>
##    <td style="text-align:center;"> 7.4% </td>
##    <td style="text-align:center;"> 10055 </td>
##    <td style="text-align:center;"> 8.0% </td>
##    <td style="text-align:center;"> 105744 </td>
##    <td style="text-align:center;"> 84.5% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 11964 </td>
##    <td style="text-align:center;"> 15.8% </td>
##    <td style="text-align:center;"> 55595 </td>
##    <td style="text-align:center;"> 73.3% </td>
##    <td style="text-align:center;"> 8328 </td>
##    <td style="text-align:center;"> 11.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 43853 </td>
##    <td style="text-align:center;"> 62.0% </td>
##    <td style="text-align:center;"> 14432 </td>
##    <td style="text-align:center;"> 20.4% </td>
##    <td style="text-align:center;"> 12404 </td>
##    <td style="text-align:center;"> 17.5% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### Inside Region - Branch Expansion 
## <table class="table table-striped table-hover table-condensed" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Expansion for HQs in Top 100 (Branch Inside Region)</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 567 </td>
##    <td style="text-align:center;"> 7.0% </td>
##    <td style="text-align:center;"> 645 </td>
##    <td style="text-align:center;"> 8.0% </td>
##    <td style="text-align:center;"> 6853 </td>
##    <td style="text-align:center;"> 85.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 707 </td>
##    <td style="text-align:center;"> 14.3% </td>
##    <td style="text-align:center;"> 3729 </td>
##    <td style="text-align:center;"> 75.4% </td>
##    <td style="text-align:center;"> 507 </td>
##    <td style="text-align:center;"> 10.3% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 3393 </td>
##    <td style="text-align:center;"> 64.0% </td>
##    <td style="text-align:center;"> 1018 </td>
##    <td style="text-align:center;"> 19.2% </td>
##    <td style="text-align:center;"> 888 </td>
##    <td style="text-align:center;"> 16.8% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### Outside Region - Branch Opening 
## <table class="table table-striped table-hover table-condensed" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Opening for HQs in Top 100 (Branch Outside Region)</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 77934 </td>
##    <td style="text-align:center;"> 25.4% </td>
##    <td style="text-align:center;"> 102851 </td>
##    <td style="text-align:center;"> 33.5% </td>
##    <td style="text-align:center;"> 126468 </td>
##    <td style="text-align:center;"> 41.2% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 61138 </td>
##    <td style="text-align:center;"> 25.2% </td>
##    <td style="text-align:center;"> 70719 </td>
##    <td style="text-align:center;"> 29.2% </td>
##    <td style="text-align:center;"> 110745 </td>
##    <td style="text-align:center;"> 45.6% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 81272 </td>
##    <td style="text-align:center;"> 24.8% </td>
##    <td style="text-align:center;"> 109282 </td>
##    <td style="text-align:center;"> 33.4% </td>
##    <td style="text-align:center;"> 136504 </td>
##    <td style="text-align:center;"> 41.7% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### Outside Region - Branch Closing 
## <table class="table table-striped table-hover table-condensed" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Closing for HQs in Top 100 (Branch Outside Region)</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 69712 </td>
##    <td style="text-align:center;"> 25.2% </td>
##    <td style="text-align:center;"> 92845 </td>
##    <td style="text-align:center;"> 33.6% </td>
##    <td style="text-align:center;"> 113866 </td>
##    <td style="text-align:center;"> 41.2% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 53393 </td>
##    <td style="text-align:center;"> 25.4% </td>
##    <td style="text-align:center;"> 59804 </td>
##    <td style="text-align:center;"> 28.5% </td>
##    <td style="text-align:center;"> 96647 </td>
##    <td style="text-align:center;"> 46.1% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 46597 </td>
##    <td style="text-align:center;"> 25.6% </td>
##    <td style="text-align:center;"> 58045 </td>
##    <td style="text-align:center;"> 31.9% </td>
##    <td style="text-align:center;"> 77407 </td>
##    <td style="text-align:center;"> 42.5% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### Outside Region - Branch Expansion 
## <table class="table table-striped table-hover table-condensed" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Expansion for HQs in Top 100 (Branch Outside Region)</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 4165 </td>
##    <td style="text-align:center;"> 25.7% </td>
##    <td style="text-align:center;"> 5437 </td>
##    <td style="text-align:center;"> 33.6% </td>
##    <td style="text-align:center;"> 6573 </td>
##    <td style="text-align:center;"> 40.6% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 3354 </td>
##    <td style="text-align:center;"> 27.0% </td>
##    <td style="text-align:center;"> 3607 </td>
##    <td style="text-align:center;"> 29.0% </td>
##    <td style="text-align:center;"> 5484 </td>
##    <td style="text-align:center;"> 44.1% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 3974 </td>
##    <td style="text-align:center;"> 27.5% </td>
##    <td style="text-align:center;"> 4802 </td>
##    <td style="text-align:center;"> 33.3% </td>
##    <td style="text-align:center;"> 5662 </td>
##    <td style="text-align:center;"> 39.2% </td>
##   </tr>
## </tbody>
## </table>

## 
## 
## ## Part 2: Analysis for Headquarters Outside Top 100 CBSAs

## 
## 
## ### Branch Opening for HQs Outside Top 100
## <table class="table table-striped table-hover table-condensed" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Opening for HQs Outside Top 100 CBSAs</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> Outside Top 100 </td>
##    <td style="text-align:center;"> 562 </td>
##    <td style="text-align:center;"> 25.9% </td>
##    <td style="text-align:center;"> 329 </td>
##    <td style="text-align:center;"> 15.2% </td>
##    <td style="text-align:center;"> 271 </td>
##    <td style="text-align:center;"> 12.5% </td>
##    <td style="text-align:center;"> 1004 </td>
##    <td style="text-align:center;"> 46.4% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### Branch Closing for HQs Outside Top 100
## <table class="table table-striped table-hover table-condensed" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Closing for HQs Outside Top 100 CBSAs</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> Outside Top 100 </td>
##    <td style="text-align:center;"> 335 </td>
##    <td style="text-align:center;"> 21.0% </td>
##    <td style="text-align:center;"> 290 </td>
##    <td style="text-align:center;"> 18.1% </td>
##    <td style="text-align:center;"> 276 </td>
##    <td style="text-align:center;"> 17.3% </td>
##    <td style="text-align:center;"> 697 </td>
##    <td style="text-align:center;"> 43.6% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### Branch Expansion for HQs Outside Top 100
## <table class="table table-striped table-hover table-condensed" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Expansion for HQs Outside Top 100 CBSAs</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> Outside Top 100 </td>
##    <td style="text-align:center;"> 22 </td>
##    <td style="text-align:center;"> 23.2% </td>
##    <td style="text-align:center;"> 15 </td>
##    <td style="text-align:center;"> 15.8% </td>
##    <td style="text-align:center;"> 16 </td>
##    <td style="text-align:center;"> 16.8% </td>
##    <td style="text-align:center;"> 42 </td>
##    <td style="text-align:center;"> 44.2% </td>
##   </tr>
## </tbody>
## </table>

15.2 Relative Population Level

15.2.1 New

## 
## 
## ### HQs in Smaller Population Class than Establishment Location - Branch Opening - HQ Inside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Opening for HQs in Smaller Population Class than Establishment Location ( HQ Inside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 5215 </td>
##    <td style="text-align:center;"> 18.5% </td>
##    <td style="text-align:center;"> 7940 </td>
##    <td style="text-align:center;"> 28.1% </td>
##    <td style="text-align:center;"> 15055 </td>
##    <td style="text-align:center;"> 53.3% </td>
##    <td style="text-align:center;"> 54 </td>
##    <td style="text-align:center;"> 0.2% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 10052 </td>
##    <td style="text-align:center;"> 20.3% </td>
##    <td style="text-align:center;"> 16294 </td>
##    <td style="text-align:center;"> 32.9% </td>
##    <td style="text-align:center;"> 23178 </td>
##    <td style="text-align:center;"> 46.8% </td>
##    <td style="text-align:center;"> 1 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 14308 </td>
##    <td style="text-align:center;"> 24.0% </td>
##    <td style="text-align:center;"> 19482 </td>
##    <td style="text-align:center;"> 32.6% </td>
##    <td style="text-align:center;"> 25808 </td>
##    <td style="text-align:center;"> 43.2% </td>
##    <td style="text-align:center;"> 74 </td>
##    <td style="text-align:center;"> 0.1% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### HQs in Smaller Population Class than Establishment Location - Branch Opening - HQ Outside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Opening for HQs in Smaller Population Class than Establishment Location ( HQ Outside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 34292 </td>
##    <td style="text-align:center;"> 29.4% </td>
##    <td style="text-align:center;"> 38896 </td>
##    <td style="text-align:center;"> 33.3% </td>
##    <td style="text-align:center;"> 42575 </td>
##    <td style="text-align:center;"> 36.5% </td>
##    <td style="text-align:center;"> 1028 </td>
##    <td style="text-align:center;"> 0.9% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### HQs in Smaller Population Class than Establishment Location - Branch Closing - HQ Inside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Closing for HQs in Smaller Population Class than Establishment Location ( HQ Inside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 5097 </td>
##    <td style="text-align:center;"> 18.3% </td>
##    <td style="text-align:center;"> 7608 </td>
##    <td style="text-align:center;"> 27.3% </td>
##    <td style="text-align:center;"> 15104 </td>
##    <td style="text-align:center;"> 54.2% </td>
##    <td style="text-align:center;"> 54 </td>
##    <td style="text-align:center;"> 0.2% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 6467 </td>
##    <td style="text-align:center;"> 21.3% </td>
##    <td style="text-align:center;"> 10016 </td>
##    <td style="text-align:center;"> 33.0% </td>
##    <td style="text-align:center;"> 13850 </td>
##    <td style="text-align:center;"> 45.7% </td>
##    <td style="text-align:center;"> 1 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 11967 </td>
##    <td style="text-align:center;"> 24.0% </td>
##    <td style="text-align:center;"> 15993 </td>
##    <td style="text-align:center;"> 32.1% </td>
##    <td style="text-align:center;"> 21774 </td>
##    <td style="text-align:center;"> 43.7% </td>
##    <td style="text-align:center;"> 80 </td>
##    <td style="text-align:center;"> 0.2% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### HQs in Smaller Population Class than Establishment Location - Branch Closing - HQ Outside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Closing for HQs in Smaller Population Class than Establishment Location ( HQ Outside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 29854 </td>
##    <td style="text-align:center;"> 28.5% </td>
##    <td style="text-align:center;"> 34043 </td>
##    <td style="text-align:center;"> 32.5% </td>
##    <td style="text-align:center;"> 39825 </td>
##    <td style="text-align:center;"> 38.1% </td>
##    <td style="text-align:center;"> 867 </td>
##    <td style="text-align:center;"> 0.8% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### HQs in Smaller Population Class than Establishment Location - Branch Expansion - HQ Inside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Expansion for HQs in Smaller Population Class than Establishment Location ( HQ Inside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 261 </td>
##    <td style="text-align:center;"> 17.5% </td>
##    <td style="text-align:center;"> 422 </td>
##    <td style="text-align:center;"> 28.2% </td>
##    <td style="text-align:center;"> 808 </td>
##    <td style="text-align:center;"> 54.0% </td>
##    <td style="text-align:center;"> 4 </td>
##    <td style="text-align:center;"> 0.3% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 483 </td>
##    <td style="text-align:center;"> 21.5% </td>
##    <td style="text-align:center;"> 764 </td>
##    <td style="text-align:center;"> 34.1% </td>
##    <td style="text-align:center;"> 996 </td>
##    <td style="text-align:center;"> 44.4% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 805 </td>
##    <td style="text-align:center;"> 24.8% </td>
##    <td style="text-align:center;"> 1052 </td>
##    <td style="text-align:center;"> 32.4% </td>
##    <td style="text-align:center;"> 1383 </td>
##    <td style="text-align:center;"> 42.6% </td>
##    <td style="text-align:center;"> 4 </td>
##    <td style="text-align:center;"> 0.1% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### HQs in Smaller Population Class than Establishment Location - Branch Expansion - HQ Outside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Expansion for HQs in Smaller Population Class than Establishment Location ( HQ Outside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 1548 </td>
##    <td style="text-align:center;"> 29.7% </td>
##    <td style="text-align:center;"> 1703 </td>
##    <td style="text-align:center;"> 32.6% </td>
##    <td style="text-align:center;"> 1923 </td>
##    <td style="text-align:center;"> 36.9% </td>
##    <td style="text-align:center;"> 42 </td>
##    <td style="text-align:center;"> 0.8% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### HQs in Bigger Population Class than Establishment Location - Branch Opening - HQ Inside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Opening for HQs in Bigger Population Class than Establishment Location ( HQ Inside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 40799 </td>
##    <td style="text-align:center;"> 15.0% </td>
##    <td style="text-align:center;"> 35925 </td>
##    <td style="text-align:center;"> 13.2% </td>
##    <td style="text-align:center;"> 31843 </td>
##    <td style="text-align:center;"> 11.7% </td>
##    <td style="text-align:center;"> 163076 </td>
##    <td style="text-align:center;"> 60.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 33480 </td>
##    <td style="text-align:center;"> 15.4% </td>
##    <td style="text-align:center;"> 28128 </td>
##    <td style="text-align:center;"> 12.9% </td>
##    <td style="text-align:center;"> 18344 </td>
##    <td style="text-align:center;"> 8.4% </td>
##    <td style="text-align:center;"> 137820 </td>
##    <td style="text-align:center;"> 63.3% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 52734 </td>
##    <td style="text-align:center;"> 14.2% </td>
##    <td style="text-align:center;"> 40604 </td>
##    <td style="text-align:center;"> 10.9% </td>
##    <td style="text-align:center;"> 23989 </td>
##    <td style="text-align:center;"> 6.4% </td>
##    <td style="text-align:center;"> 255254 </td>
##    <td style="text-align:center;"> 68.5% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### HQs in Bigger Population Class than Establishment Location - Branch Opening - HQ Outside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Opening for HQs in Bigger Population Class than Establishment Location ( HQ Outside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 5 </td>
##    <td style="text-align:center;"> 0.9% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##    <td style="text-align:center;"> 2 </td>
##    <td style="text-align:center;"> 0.3% </td>
##    <td style="text-align:center;"> 577 </td>
##    <td style="text-align:center;"> 98.8% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### HQs in Bigger Population Class than Establishment Location - Branch Closing - HQ Inside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Closing for HQs in Bigger Population Class than Establishment Location ( HQ Inside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 36624 </td>
##    <td style="text-align:center;"> 15.4% </td>
##    <td style="text-align:center;"> 32157 </td>
##    <td style="text-align:center;"> 13.6% </td>
##    <td style="text-align:center;"> 27507 </td>
##    <td style="text-align:center;"> 11.6% </td>
##    <td style="text-align:center;"> 140765 </td>
##    <td style="text-align:center;"> 59.4% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 30283 </td>
##    <td style="text-align:center;"> 15.0% </td>
##    <td style="text-align:center;"> 25411 </td>
##    <td style="text-align:center;"> 12.6% </td>
##    <td style="text-align:center;"> 16481 </td>
##    <td style="text-align:center;"> 8.2% </td>
##    <td style="text-align:center;"> 129264 </td>
##    <td style="text-align:center;"> 64.2% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 29355 </td>
##    <td style="text-align:center;"> 14.0% </td>
##    <td style="text-align:center;"> 20872 </td>
##    <td style="text-align:center;"> 9.9% </td>
##    <td style="text-align:center;"> 13666 </td>
##    <td style="text-align:center;"> 6.5% </td>
##    <td style="text-align:center;"> 146399 </td>
##    <td style="text-align:center;"> 69.6% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### HQs in Bigger Population Class than Establishment Location - Branch Closing - HQ Outside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Closing for HQs in Bigger Population Class than Establishment Location ( HQ Outside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 12 </td>
##    <td style="text-align:center;"> 2.6% </td>
##    <td style="text-align:center;"> 2 </td>
##    <td style="text-align:center;"> 0.4% </td>
##    <td style="text-align:center;"> 2 </td>
##    <td style="text-align:center;"> 0.4% </td>
##    <td style="text-align:center;"> 448 </td>
##    <td style="text-align:center;"> 96.6% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### HQs in Bigger Population Class than Establishment Location - Branch Expansion - HQ Inside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Expansion for HQs in Bigger Population Class than Establishment Location ( HQ Inside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 2086 </td>
##    <td style="text-align:center;"> 16.0% </td>
##    <td style="text-align:center;"> 1740 </td>
##    <td style="text-align:center;"> 13.3% </td>
##    <td style="text-align:center;"> 1568 </td>
##    <td style="text-align:center;"> 12.0% </td>
##    <td style="text-align:center;"> 7657 </td>
##    <td style="text-align:center;"> 58.7% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 1772 </td>
##    <td style="text-align:center;"> 15.3% </td>
##    <td style="text-align:center;"> 1403 </td>
##    <td style="text-align:center;"> 12.1% </td>
##    <td style="text-align:center;"> 907 </td>
##    <td style="text-align:center;"> 7.8% </td>
##    <td style="text-align:center;"> 7502 </td>
##    <td style="text-align:center;"> 64.8% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 2496 </td>
##    <td style="text-align:center;"> 15.2% </td>
##    <td style="text-align:center;"> 1737 </td>
##    <td style="text-align:center;"> 10.6% </td>
##    <td style="text-align:center;"> 1093 </td>
##    <td style="text-align:center;"> 6.6% </td>
##    <td style="text-align:center;"> 11129 </td>
##    <td style="text-align:center;"> 67.6% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### HQs in Bigger Population Class than Establishment Location - Branch Expansion - HQ Outside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Expansion for HQs in Bigger Population Class than Establishment Location ( HQ Outside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 1 </td>
##    <td style="text-align:center;"> 3.3% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##    <td style="text-align:center;"> 29 </td>
##    <td style="text-align:center;"> 96.7% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### HQs in Same Population Class than Establishment Location - Branch Opening - HQ Inside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Opening for HQs in Same Population Class than Establishment Location ( HQ Inside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 43884 </td>
##    <td style="text-align:center;"> 12.8% </td>
##    <td style="text-align:center;"> 72397 </td>
##    <td style="text-align:center;"> 21.2% </td>
##    <td style="text-align:center;"> 221782 </td>
##    <td style="text-align:center;"> 64.8% </td>
##    <td style="text-align:center;"> 4180 </td>
##    <td style="text-align:center;"> 1.2% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 31497 </td>
##    <td style="text-align:center;"> 14.7% </td>
##    <td style="text-align:center;"> 101976 </td>
##    <td style="text-align:center;"> 47.7% </td>
##    <td style="text-align:center;"> 79860 </td>
##    <td style="text-align:center;"> 37.4% </td>
##    <td style="text-align:center;"> 289 </td>
##    <td style="text-align:center;"> 0.1% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 88448 </td>
##    <td style="text-align:center;"> 31.6% </td>
##    <td style="text-align:center;"> 74117 </td>
##    <td style="text-align:center;"> 26.5% </td>
##    <td style="text-align:center;"> 111239 </td>
##    <td style="text-align:center;"> 39.7% </td>
##    <td style="text-align:center;"> 6095 </td>
##    <td style="text-align:center;"> 2.2% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### HQs in Same Population Class than Establishment Location - Branch Opening - HQ Outside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Opening for HQs in Same Population Class than Establishment Location ( HQ Outside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 1492 </td>
##    <td style="text-align:center;"> 1.0% </td>
##    <td style="text-align:center;"> 395 </td>
##    <td style="text-align:center;"> 0.3% </td>
##    <td style="text-align:center;"> 324 </td>
##    <td style="text-align:center;"> 0.2% </td>
##    <td style="text-align:center;"> 151677 </td>
##    <td style="text-align:center;"> 98.6% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### HQs in Same Population Class than Establishment Location - Branch Closing - HQ Inside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Closing for HQs in Same Population Class than Establishment Location ( HQ Inside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 39098 </td>
##    <td style="text-align:center;"> 13.5% </td>
##    <td style="text-align:center;"> 65554 </td>
##    <td style="text-align:center;"> 22.7% </td>
##    <td style="text-align:center;"> 180909 </td>
##    <td style="text-align:center;"> 62.5% </td>
##    <td style="text-align:center;"> 3711 </td>
##    <td style="text-align:center;"> 1.3% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 28637 </td>
##    <td style="text-align:center;"> 15.6% </td>
##    <td style="text-align:center;"> 80142 </td>
##    <td style="text-align:center;"> 43.6% </td>
##    <td style="text-align:center;"> 74758 </td>
##    <td style="text-align:center;"> 40.7% </td>
##    <td style="text-align:center;"> 230 </td>
##    <td style="text-align:center;"> 0.1% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 52880 </td>
##    <td style="text-align:center;"> 34.5% </td>
##    <td style="text-align:center;"> 38465 </td>
##    <td style="text-align:center;"> 25.1% </td>
##    <td style="text-align:center;"> 57430 </td>
##    <td style="text-align:center;"> 37.4% </td>
##    <td style="text-align:center;"> 4605 </td>
##    <td style="text-align:center;"> 3.0% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### HQs in Same Population Class than Establishment Location - Branch Closing - HQ Outside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Closing for HQs in Same Population Class than Establishment Location ( HQ Outside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 1570 </td>
##    <td style="text-align:center;"> 1.4% </td>
##    <td style="text-align:center;"> 376 </td>
##    <td style="text-align:center;"> 0.3% </td>
##    <td style="text-align:center;"> 337 </td>
##    <td style="text-align:center;"> 0.3% </td>
##    <td style="text-align:center;"> 112287 </td>
##    <td style="text-align:center;"> 98.0% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### HQs in Same Population Class than Establishment Location - Branch Expansion - HQ Inside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Expansion for HQs in Same Population Class than Establishment Location ( HQ Inside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 2432 </td>
##    <td style="text-align:center;"> 13.7% </td>
##    <td style="text-align:center;"> 3984 </td>
##    <td style="text-align:center;"> 22.5% </td>
##    <td style="text-align:center;"> 11166 </td>
##    <td style="text-align:center;"> 63.1% </td>
##    <td style="text-align:center;"> 117 </td>
##    <td style="text-align:center;"> 0.7% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 1808 </td>
##    <td style="text-align:center;"> 16.3% </td>
##    <td style="text-align:center;"> 5186 </td>
##    <td style="text-align:center;"> 46.7% </td>
##    <td style="text-align:center;"> 4095 </td>
##    <td style="text-align:center;"> 36.8% </td>
##    <td style="text-align:center;"> 26 </td>
##    <td style="text-align:center;"> 0.2% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 4319 </td>
##    <td style="text-align:center;"> 35.8% </td>
##    <td style="text-align:center;"> 3207 </td>
##    <td style="text-align:center;"> 26.6% </td>
##    <td style="text-align:center;"> 4308 </td>
##    <td style="text-align:center;"> 35.7% </td>
##    <td style="text-align:center;"> 241 </td>
##    <td style="text-align:center;"> 2.0% </td>
##   </tr>
## </tbody>
## </table>
## 
## ### HQs in Same Population Class than Establishment Location - Branch Expansion - HQ Outside Top 100 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Expansion for HQs in Same Population Class than Establishment Location ( HQ Outside Top 100 )</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 70 </td>
##    <td style="text-align:center;"> 1.1% </td>
##    <td style="text-align:center;"> 17 </td>
##    <td style="text-align:center;"> 0.3% </td>
##    <td style="text-align:center;"> 16 </td>
##    <td style="text-align:center;"> 0.3% </td>
##    <td style="text-align:center;"> 6290 </td>
##    <td style="text-align:center;"> 98.4% </td>
##   </tr>
## </tbody>
## </table>

15.2.2 Original

## 
## 
## ###  HQs in Smaller Population Class than Establishment Location  -  Branch Opening 
## This table shows  Branch Openings  for cases where the  smaller pop  population class as the establishment location.
## 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Openings for HQs in Smaller Population Class than Establishment Location</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 5215 </td>
##    <td style="text-align:center;"> 18.5% </td>
##    <td style="text-align:center;"> 7940 </td>
##    <td style="text-align:center;"> 28.1% </td>
##    <td style="text-align:center;"> 15055 </td>
##    <td style="text-align:center;"> 53.3% </td>
##    <td style="text-align:center;"> 54 </td>
##    <td style="text-align:center;"> 0.2% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 10052 </td>
##    <td style="text-align:center;"> 20.3% </td>
##    <td style="text-align:center;"> 16294 </td>
##    <td style="text-align:center;"> 32.9% </td>
##    <td style="text-align:center;"> 23178 </td>
##    <td style="text-align:center;"> 46.8% </td>
##    <td style="text-align:center;"> 1 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 14308 </td>
##    <td style="text-align:center;"> 24.0% </td>
##    <td style="text-align:center;"> 19482 </td>
##    <td style="text-align:center;"> 32.6% </td>
##    <td style="text-align:center;"> 25808 </td>
##    <td style="text-align:center;"> 43.2% </td>
##    <td style="text-align:center;"> 74 </td>
##    <td style="text-align:center;"> 0.1% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 34292 </td>
##    <td style="text-align:center;"> 29.4% </td>
##    <td style="text-align:center;"> 38896 </td>
##    <td style="text-align:center;"> 33.3% </td>
##    <td style="text-align:center;"> 42575 </td>
##    <td style="text-align:center;"> 36.5% </td>
##    <td style="text-align:center;"> 1028 </td>
##    <td style="text-align:center;"> 0.9% </td>
##   </tr>
## </tbody>
## </table>
## 
## ###  HQs in Smaller Population Class than Establishment Location  -  Branch Closing 
## This table shows  Branch Closings  for cases where the  smaller pop  population class as the establishment location.
## 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Closings for HQs in Smaller Population Class than Establishment Location</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 5097 </td>
##    <td style="text-align:center;"> 18.3% </td>
##    <td style="text-align:center;"> 7608 </td>
##    <td style="text-align:center;"> 27.3% </td>
##    <td style="text-align:center;"> 15104 </td>
##    <td style="text-align:center;"> 54.2% </td>
##    <td style="text-align:center;"> 54 </td>
##    <td style="text-align:center;"> 0.2% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 6467 </td>
##    <td style="text-align:center;"> 21.3% </td>
##    <td style="text-align:center;"> 10016 </td>
##    <td style="text-align:center;"> 33.0% </td>
##    <td style="text-align:center;"> 13850 </td>
##    <td style="text-align:center;"> 45.7% </td>
##    <td style="text-align:center;"> 1 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 11967 </td>
##    <td style="text-align:center;"> 24.0% </td>
##    <td style="text-align:center;"> 15993 </td>
##    <td style="text-align:center;"> 32.1% </td>
##    <td style="text-align:center;"> 21774 </td>
##    <td style="text-align:center;"> 43.7% </td>
##    <td style="text-align:center;"> 80 </td>
##    <td style="text-align:center;"> 0.2% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 29854 </td>
##    <td style="text-align:center;"> 28.5% </td>
##    <td style="text-align:center;"> 34043 </td>
##    <td style="text-align:center;"> 32.5% </td>
##    <td style="text-align:center;"> 39825 </td>
##    <td style="text-align:center;"> 38.1% </td>
##    <td style="text-align:center;"> 867 </td>
##    <td style="text-align:center;"> 0.8% </td>
##   </tr>
## </tbody>
## </table>
## 
## ###  HQs in Smaller Population Class than Establishment Location  -  Branch Expansion 
## This table shows  Branch Expansions  for cases where the  smaller pop  population class as the establishment location.
## 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Expansions for HQs in Smaller Population Class than Establishment Location</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 261 </td>
##    <td style="text-align:center;"> 17.5% </td>
##    <td style="text-align:center;"> 422 </td>
##    <td style="text-align:center;"> 28.2% </td>
##    <td style="text-align:center;"> 808 </td>
##    <td style="text-align:center;"> 54.0% </td>
##    <td style="text-align:center;"> 4 </td>
##    <td style="text-align:center;"> 0.3% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 483 </td>
##    <td style="text-align:center;"> 21.5% </td>
##    <td style="text-align:center;"> 764 </td>
##    <td style="text-align:center;"> 34.1% </td>
##    <td style="text-align:center;"> 996 </td>
##    <td style="text-align:center;"> 44.4% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 805 </td>
##    <td style="text-align:center;"> 24.8% </td>
##    <td style="text-align:center;"> 1052 </td>
##    <td style="text-align:center;"> 32.4% </td>
##    <td style="text-align:center;"> 1383 </td>
##    <td style="text-align:center;"> 42.6% </td>
##    <td style="text-align:center;"> 4 </td>
##    <td style="text-align:center;"> 0.1% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 1548 </td>
##    <td style="text-align:center;"> 29.7% </td>
##    <td style="text-align:center;"> 1703 </td>
##    <td style="text-align:center;"> 32.6% </td>
##    <td style="text-align:center;"> 1923 </td>
##    <td style="text-align:center;"> 36.9% </td>
##    <td style="text-align:center;"> 42 </td>
##    <td style="text-align:center;"> 0.8% </td>
##   </tr>
## </tbody>
## </table>
## 
## ###  HQs in Bigger Population Class than Establishment Location  -  Branch Opening 
## This table shows  Branch Openings  for cases where the  bigger pop  population class as the establishment location.
## 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Openings for HQs in Bigger Population Class than Establishment Location</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 40799 </td>
##    <td style="text-align:center;"> 15.0% </td>
##    <td style="text-align:center;"> 35925 </td>
##    <td style="text-align:center;"> 13.2% </td>
##    <td style="text-align:center;"> 31843 </td>
##    <td style="text-align:center;"> 11.7% </td>
##    <td style="text-align:center;"> 163076 </td>
##    <td style="text-align:center;"> 60.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 33480 </td>
##    <td style="text-align:center;"> 15.4% </td>
##    <td style="text-align:center;"> 28128 </td>
##    <td style="text-align:center;"> 12.9% </td>
##    <td style="text-align:center;"> 18344 </td>
##    <td style="text-align:center;"> 8.4% </td>
##    <td style="text-align:center;"> 137820 </td>
##    <td style="text-align:center;"> 63.3% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 52734 </td>
##    <td style="text-align:center;"> 14.2% </td>
##    <td style="text-align:center;"> 40604 </td>
##    <td style="text-align:center;"> 10.9% </td>
##    <td style="text-align:center;"> 23989 </td>
##    <td style="text-align:center;"> 6.4% </td>
##    <td style="text-align:center;"> 255254 </td>
##    <td style="text-align:center;"> 68.5% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 5 </td>
##    <td style="text-align:center;"> 0.9% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##    <td style="text-align:center;"> 2 </td>
##    <td style="text-align:center;"> 0.3% </td>
##    <td style="text-align:center;"> 577 </td>
##    <td style="text-align:center;"> 98.8% </td>
##   </tr>
## </tbody>
## </table>
## 
## ###  HQs in Bigger Population Class than Establishment Location  -  Branch Closing 
## This table shows  Branch Closings  for cases where the  bigger pop  population class as the establishment location.
## 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Closings for HQs in Bigger Population Class than Establishment Location</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 36624 </td>
##    <td style="text-align:center;"> 15.4% </td>
##    <td style="text-align:center;"> 32157 </td>
##    <td style="text-align:center;"> 13.6% </td>
##    <td style="text-align:center;"> 27507 </td>
##    <td style="text-align:center;"> 11.6% </td>
##    <td style="text-align:center;"> 140765 </td>
##    <td style="text-align:center;"> 59.4% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 30283 </td>
##    <td style="text-align:center;"> 15.0% </td>
##    <td style="text-align:center;"> 25411 </td>
##    <td style="text-align:center;"> 12.6% </td>
##    <td style="text-align:center;"> 16481 </td>
##    <td style="text-align:center;"> 8.2% </td>
##    <td style="text-align:center;"> 129264 </td>
##    <td style="text-align:center;"> 64.2% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 29355 </td>
##    <td style="text-align:center;"> 14.0% </td>
##    <td style="text-align:center;"> 20872 </td>
##    <td style="text-align:center;"> 9.9% </td>
##    <td style="text-align:center;"> 13666 </td>
##    <td style="text-align:center;"> 6.5% </td>
##    <td style="text-align:center;"> 146399 </td>
##    <td style="text-align:center;"> 69.6% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 12 </td>
##    <td style="text-align:center;"> 2.6% </td>
##    <td style="text-align:center;"> 2 </td>
##    <td style="text-align:center;"> 0.4% </td>
##    <td style="text-align:center;"> 2 </td>
##    <td style="text-align:center;"> 0.4% </td>
##    <td style="text-align:center;"> 448 </td>
##    <td style="text-align:center;"> 96.6% </td>
##   </tr>
## </tbody>
## </table>
## 
## ###  HQs in Bigger Population Class than Establishment Location  -  Branch Expansion 
## This table shows  Branch Expansions  for cases where the  bigger pop  population class as the establishment location.
## 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Expansions for HQs in Bigger Population Class than Establishment Location</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 2086 </td>
##    <td style="text-align:center;"> 16.0% </td>
##    <td style="text-align:center;"> 1740 </td>
##    <td style="text-align:center;"> 13.3% </td>
##    <td style="text-align:center;"> 1568 </td>
##    <td style="text-align:center;"> 12.0% </td>
##    <td style="text-align:center;"> 7657 </td>
##    <td style="text-align:center;"> 58.7% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 1772 </td>
##    <td style="text-align:center;"> 15.3% </td>
##    <td style="text-align:center;"> 1403 </td>
##    <td style="text-align:center;"> 12.1% </td>
##    <td style="text-align:center;"> 907 </td>
##    <td style="text-align:center;"> 7.8% </td>
##    <td style="text-align:center;"> 7502 </td>
##    <td style="text-align:center;"> 64.8% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 2496 </td>
##    <td style="text-align:center;"> 15.2% </td>
##    <td style="text-align:center;"> 1737 </td>
##    <td style="text-align:center;"> 10.6% </td>
##    <td style="text-align:center;"> 1093 </td>
##    <td style="text-align:center;"> 6.6% </td>
##    <td style="text-align:center;"> 11129 </td>
##    <td style="text-align:center;"> 67.6% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 1 </td>
##    <td style="text-align:center;"> 3.3% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##    <td style="text-align:center;"> 0 </td>
##    <td style="text-align:center;"> 0.0% </td>
##    <td style="text-align:center;"> 29 </td>
##    <td style="text-align:center;"> 96.7% </td>
##   </tr>
## </tbody>
## </table>
## 
## ###  HQs in Same Population Class as Establishment Location  -  Branch Opening 
## This table shows  Branch Openings  for cases where the  equal pop  population class as the establishment location.
## 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Openings for HQs in Same Population Class as Establishment Location</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 43884 </td>
##    <td style="text-align:center;"> 12.8% </td>
##    <td style="text-align:center;"> 72397 </td>
##    <td style="text-align:center;"> 21.2% </td>
##    <td style="text-align:center;"> 221782 </td>
##    <td style="text-align:center;"> 64.8% </td>
##    <td style="text-align:center;"> 4180 </td>
##    <td style="text-align:center;"> 1.2% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 31497 </td>
##    <td style="text-align:center;"> 14.7% </td>
##    <td style="text-align:center;"> 101976 </td>
##    <td style="text-align:center;"> 47.7% </td>
##    <td style="text-align:center;"> 79860 </td>
##    <td style="text-align:center;"> 37.4% </td>
##    <td style="text-align:center;"> 289 </td>
##    <td style="text-align:center;"> 0.1% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 88448 </td>
##    <td style="text-align:center;"> 31.6% </td>
##    <td style="text-align:center;"> 74117 </td>
##    <td style="text-align:center;"> 26.5% </td>
##    <td style="text-align:center;"> 111239 </td>
##    <td style="text-align:center;"> 39.7% </td>
##    <td style="text-align:center;"> 6095 </td>
##    <td style="text-align:center;"> 2.2% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 1492 </td>
##    <td style="text-align:center;"> 1.0% </td>
##    <td style="text-align:center;"> 395 </td>
##    <td style="text-align:center;"> 0.3% </td>
##    <td style="text-align:center;"> 324 </td>
##    <td style="text-align:center;"> 0.2% </td>
##    <td style="text-align:center;"> 151677 </td>
##    <td style="text-align:center;"> 98.6% </td>
##   </tr>
## </tbody>
## </table>
## 
## ###  HQs in Same Population Class as Establishment Location  -  Branch Closing 
## This table shows  Branch Closings  for cases where the  equal pop  population class as the establishment location.
## 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Closings for HQs in Same Population Class as Establishment Location</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 39098 </td>
##    <td style="text-align:center;"> 13.5% </td>
##    <td style="text-align:center;"> 65554 </td>
##    <td style="text-align:center;"> 22.7% </td>
##    <td style="text-align:center;"> 180909 </td>
##    <td style="text-align:center;"> 62.5% </td>
##    <td style="text-align:center;"> 3711 </td>
##    <td style="text-align:center;"> 1.3% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 28637 </td>
##    <td style="text-align:center;"> 15.6% </td>
##    <td style="text-align:center;"> 80142 </td>
##    <td style="text-align:center;"> 43.6% </td>
##    <td style="text-align:center;"> 74758 </td>
##    <td style="text-align:center;"> 40.7% </td>
##    <td style="text-align:center;"> 230 </td>
##    <td style="text-align:center;"> 0.1% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 52880 </td>
##    <td style="text-align:center;"> 34.5% </td>
##    <td style="text-align:center;"> 38465 </td>
##    <td style="text-align:center;"> 25.1% </td>
##    <td style="text-align:center;"> 57430 </td>
##    <td style="text-align:center;"> 37.4% </td>
##    <td style="text-align:center;"> 4605 </td>
##    <td style="text-align:center;"> 3.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 1570 </td>
##    <td style="text-align:center;"> 1.4% </td>
##    <td style="text-align:center;"> 376 </td>
##    <td style="text-align:center;"> 0.3% </td>
##    <td style="text-align:center;"> 337 </td>
##    <td style="text-align:center;"> 0.3% </td>
##    <td style="text-align:center;"> 112287 </td>
##    <td style="text-align:center;"> 98.0% </td>
##   </tr>
## </tbody>
## </table>
## 
## ###  HQs in Same Population Class as Establishment Location  -  Branch Expansion 
## This table shows  Branch Expansions  for cases where the  equal pop  population class as the establishment location.
## 
## <table class="table table-striped table-hover table-condensed table-responsive" style="width: auto !important; margin-left: auto; margin-right: auto;">
## <caption>Branch Expansions for HQs in Same Population Class as Establishment Location</caption>
##  <thead>
##   <tr>
##    <th style="text-align:left;"> Headquarter Risk Level </th>
##    <th style="text-align:center;"> Low Risk </th>
##    <th style="text-align:center;"> % Low </th>
##    <th style="text-align:center;"> Moderate Risk </th>
##    <th style="text-align:center;"> % Moderate </th>
##    <th style="text-align:center;"> High Risk </th>
##    <th style="text-align:center;"> % High </th>
##    <th style="text-align:center;"> Outside </th>
##    <th style="text-align:center;"> % Outside </th>
##   </tr>
##  </thead>
## <tbody>
##   <tr>
##    <td style="text-align:left;"> High Risk </td>
##    <td style="text-align:center;"> 2432 </td>
##    <td style="text-align:center;"> 13.7% </td>
##    <td style="text-align:center;"> 3984 </td>
##    <td style="text-align:center;"> 22.5% </td>
##    <td style="text-align:center;"> 11166 </td>
##    <td style="text-align:center;"> 63.1% </td>
##    <td style="text-align:center;"> 117 </td>
##    <td style="text-align:center;"> 0.7% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Moderate Risk </td>
##    <td style="text-align:center;"> 1808 </td>
##    <td style="text-align:center;"> 16.3% </td>
##    <td style="text-align:center;"> 5186 </td>
##    <td style="text-align:center;"> 46.7% </td>
##    <td style="text-align:center;"> 4095 </td>
##    <td style="text-align:center;"> 36.8% </td>
##    <td style="text-align:center;"> 26 </td>
##    <td style="text-align:center;"> 0.2% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Low Risk </td>
##    <td style="text-align:center;"> 4319 </td>
##    <td style="text-align:center;"> 35.8% </td>
##    <td style="text-align:center;"> 3207 </td>
##    <td style="text-align:center;"> 26.6% </td>
##    <td style="text-align:center;"> 4308 </td>
##    <td style="text-align:center;"> 35.7% </td>
##    <td style="text-align:center;"> 241 </td>
##    <td style="text-align:center;"> 2.0% </td>
##   </tr>
##   <tr>
##    <td style="text-align:left;"> Outside </td>
##    <td style="text-align:center;"> 70 </td>
##    <td style="text-align:center;"> 1.1% </td>
##    <td style="text-align:center;"> 17 </td>
##    <td style="text-align:center;"> 0.3% </td>
##    <td style="text-align:center;"> 16 </td>
##    <td style="text-align:center;"> 0.3% </td>
##    <td style="text-align:center;"> 6290 </td>
##    <td style="text-align:center;"> 98.4% </td>
##   </tr>
## </tbody>
## </table>

figures_08_10_25

Qianyi Wang (71707075)

2025-08-10