CDFI Market Conditions Q210 Report II

 

CDFI Market Conditions Second Quarter 2010 Report II – Detailed Tables Published September 2010

The Opportunity Finance Network CDFI Market Conditions Report is a quarterly publication based on quarterly surveys of community development financial institutions (CDFIs). Opportunity Finance Network began conducting these surveys in October 2008 to better understand the impacts of tight credit markets and the economic downturn on the opportunity finance industry. Each report provides a near-real-time view of market conditions and CDFI responses, analysis of regional and financing sector differences, and analysis of important trends. The Market Conditions Report is supported by the Ford Foundation.

Opportunity Finance Network Public Ledger Building 620 Chestnut Street Suite 572 Philadelphia, PA 19106-3413

P 215.923.4754 F 215.923.4755 www.opportunityfinance.net

 

CDFI Market Conditions Report Second Quarter 2010 Published September 2010 INTRODUCTION This report presents the results of the eighth consecutive quarterly CDFI Market Conditions Survey conducted in July 2010 covering the second quarter (April - June) of 2010. The quarterly CDFI Market Conditions Survey is the only survey of its kind; there is no other source of near-real-time data on CDFI industry performance. Starting this quarter, we have divided the CDFI Market Conditions Report into two separate documents: o o

CDFI Market Conditions, Second Quarter 2010, Report I - Results and Analysis CDFI Market Conditions, Second Quarter 2010, Report II - Detailed Tables

The first report provides a concise and streamlined presentation of the quarterly survey findings. It includes a discussion of the survey responses from the second quarter survey as well as a comparative analysis with previous quarters for both the full and trend survey samples. This document, Report II – Detailed Tables, provides the supporting data for the Report I analysis including data for the full and trend samples and all breakouts. It also includes the methodology and a list of survey respondents.

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

i 

TABLE OF CONTENTS Section I: All Respondents Table I. Results for All Respondents, 4thQ08 – 2ndQ10

1

Table II. Results by Asset Size for all Respondents II. A. All Small CDFIs, 4thQ08 – 2ndQtr10 II. B. All Medium CDFIs, 4thQ08 – 2ndQtr10 II C. All Large CDFIs, 4thQ08 – 2ndQtr10

5 8 11

Table III. Results by Financing Sector III A. All Business, 4thQ08 – 2ndQtr10 III B. All Commercial Real Estate, 4thQ08 – 2ndQtr10 III C. All Community Services/Facilities, 4thQ08 – 2ndQtr10 III D. All Consumer, 4thQ08 – 2ndQtr10 III E. All Housing to Individuals, 4thQ08 – 2ndQtr10 III F. All Housing to Organizations, 4thQ08 – 2ndQtr10 III G. All Microenterprise, 4thQ08 – 2ndQtr10

14 17 20 23 26 29 32

Table IV. Results by Region IV A. All Midwest CDFIs, 4thQ08 – 2ndQtr10 IV B. All Northeast CDFIs, 4thQ08 – 2ndQtr10 IV C. All South CDFIs, 4thQ08 – 2ndQtr10 IV D. All West CDFIs, 4thQ08 – 2ndQtr10

35 38 41 44

Section II: Trend Analysis Table V. Results for Trend Respondents, 4thQ08 – 2ndQ10

47

Table VI. Results by Asset Size for Trend Respondents VI A. Trend Analysis for Large CDFIs, 1stQ09 – 2ndQtr10 VI B. Trend Analysis for Medium CDFIs, 1stQ09 – 2ndQtr10 VI C. Trend Analysis for Small CDFIs, 1stQ09 – 2ndQtr10

51 55 59

Table VII. Results by Financing Sector for Trend Respondents VII A. Trend Analysis for Business CDFIs, 1stQ09 – 2ndQtr10 VII B. Trend Analysis for Housing to Organizations CDFIs, 1stQ09 – 2ndQtr10

63 67

Appendices: Appendix I. Methodology and Changes in Survey Questionnaire over Time A. Methodology B. Changes in Survey Questions over Time

70 71

Appendix II. List of CDFIs Participating in the OFN Market Conditions Surveys A. All Respondents, 2ndQtr10 B. Trend Sample, 1stQ09 – 2ndQtr10

74 77

Appendix III. Composition of Breakout Samples A. Sectoral Composition by Financial Institution Type, 2ndQ2010 B. Sectoral Composition by Asset Size, 2ndQ2010 C. Sectoral Composition by Financial Institution Type, 2ndQ2010

78 78 78

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

ii 

Table I. Results for All Respondents, 4thQ08 – 2ndQ10  All

Type

n=

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

124

105

120

121

128

106

118

124

105

120

121

128

106

118

Banks

2%

2%

2%

2%

2%

3%

1%

Credit Unions

7%

10%

11%

12%

9%

6%

5%

89%

86%

84%

84%

86%

87%

92%

2%

2%

3%

1%

3%

5%

3%

124

104

120

114

128

102

118

27%

27%

27%

23%

26%

32%

23%

Commercial Real Estate

3%

2%

4%

7%

2%

6%

2%

Community Services

5%

7%

6%

4%

11%

9%

6%

Consumer

8%

10%

8%

12%

6%

3%

5%

Housing to Individuals

13%

13%

13%

15%

15%

13%

15%

Housing to Organizations

28%

22%

26%

25%

22%

22%

27%

2%

1%

NR

NR

NR

NR

NR

Microenterprise

14%

17%

13%

11%

16%

12%

19%

Multiple/Other

1%

2%

3%

2%

2%

4%

3%

124

104

120

114

128

102

118

Equally Rural/Urban

21%

21%

22%

19%

18%

18%

20%

Primarily Rural

27%

29%

26%

27%

32%

29%

28%

Primarily Urban

52%

50%

53%

54%

50%

53%

52%

124

104

120

121

128

106

118

Midwest

23%

24%

21%

22%

23%

22%

19%

Northeast

27%

24%

25%

26%

28%

26%

30%

South*

27%

35%

29%

33%

28%

30%

26%

West

23%

17%

25%

19%

21%

22%

25%

124

105

120

121

128

106

114*

Assets > $50MM

26%

24%

23%

21%

17%

22%

17%

Assets between $10-50MM

33%

33%

36%

31%

35%

36%

30%

Assets < $10MM

41%

43%

41%

48%

48%

42%

54%

Loan Funds Venture Funds

Financing Sector

n=

Business

Intermediary

Urban/Rural Market

Region

Asset Size

n=

n=

n=

* Includes Puerto Rico.

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

1 

Table I. Results for All Respondents, 4thQ08 – 2ndQ10, continued 10Q2 Number of Financing Applications Received (%)

09Q4

09Q3

09Q2

09Q1

08Q4

123

105

120

121

126

104

116

Decreased

23%

23%

29%

16%

16%

17%

19%

Increased

54%

49%

39%

57%

60%

59%

63%

24%

29%

32%

27%

25%

24%

18%

No Change Number of Financing Applications Received, Change from Previous Year (%)

n=

10Q1

120

103

117

120

NR

NR

NR

Decreased

34%

23%

23%

20%

NR

NR

NR

Increased

45%

52%

56%

61%

NR

NR

NR

21% 124

24% 105

21% 120

19% 120

NR 127

NR 106

NR 115

Decreased

22%

40%

28%

21%

16%

34%

30%

Increased

48%

35%

39%

50%

51%

33%

48%

No Change

30%

25%

33%

29%

33%

33%

23%

124

104

119

120

NR

NR

NR

Decreased

39%

38%

29%

28%

NR

NR

NR

Increased

44%

40%

50%

43%

NR

NR

NR

No Change

18%

22%

22%

30%

NR

NR

NR

No Change Number of Loans/Investments Originated (%)

Number of Loans/Investments Originated, Change from Previous Year (%)

Ability to Access Capital (%)

n=

n=

n=

101

79

90

94

103

82

93

Decreased

12%

14%

20%

26%

34%

40%

40%

Increased

25%

27%

24%

23%

18%

23%

19%

No Change

63%

59%

56%

51%

48%

37%

41%

Ability to Access Capital, Change from Previous Year (%)

n=

101

86

90

96

NR

NR

NR

Decreased

n=

18%

15%

28%

30%

NR

NR

NR

Increased

45%

37%

31%

26%

NR

NR

NR

38%

48%

41%

44%

NR

NR

NR

123

104

120

120

127

106

118

Decreased

33%

21%

23%

26%

38%

39%

42%

Increased

29%

36%

34%

32%

22%

29%

28%

38%

43%

43%

43%

40%

32%

31%

123

104

119

119

NR

NR

NR

Decreased

28%

26%

30%

32%

NR

NR

NR

Increased

40%

40%

39%

33%

NR

NR

NR

32%

34%

31%

35%

NR

NR

NR

122

104

118

117

128

106

118

13%

15%

20%

23%

23%

25%

25%

No Change Capital Liquidity (%)

n=

No Change Capital Liquidity, Change from Previous Year (%)

n=

No Change Capital-Constrained (%)

n=

Both Debt

2%

5%

11%

13%

13%

16%

15%

Equity

11%

8%

19%

12%

15%

9%

14%

Neither

73%

72%

50%

52%

49%

49%

47%

23

18

NR

NR

NR

NR

NR

$80.1

$23.8

NR

NR

NR

NR

NR

$3.5

$1.3

NR

NR

NR

NR

NR

121

103

118

117

126

105

116

Decreased

12%

14%

19%

9%

16%

16%

13%

Increased

13%

8%

11%

9%

14%

14%

15%

No Change

74%

79%

69%

83%

70%

70%

72%

Capital Shortfall During the Quarter

n=

Total Capital Shortfall During the Quarter ($ MM) Average Capital Shortfall During the Quarter ($ MM) Average Cost of Borrowed Capital

n=

      Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

2 

Table I. Results for All Respondents, 4thQ08 – 2ndQ10, continued 10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

89

84

104

NR

NR

NR

NR

10.8%

8.7%

7.8%

NR

NR

NR

NR

89

84

104

107

115

106

105

4.0%

2.8%

2.1%

2.6%

3.1%

2.7%

2.7%

61-90 days

1.6%

2.2%

1.5%

1.1%

1.5%

1.8%

1.7%

90+ days

4.8%

5.0%

4.3%

5.6%

6.0%

4.8%

6.7%

10.3%

10.0%

7.8%

9.3%

10.6%

9.3%

11.1%

81

69

NR

NR

NR

NR

NR

1.3%

0.4%

NR

NR

NR

NR

NR

81

69

NR

NR

NR

NR

NR

4.1%

4.5%

NR

NR

NR

NR

NR

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Total Average Non-Accruals (%)

n=

Non-Accruals Average Loans Restructured (%) Loans Restructured Average Net Charge-Offs (%)

n=

Net Charge-Offs CDFI Industry Portfolio-at-Risk (%) *

n=

89

84

104

104

107

98

104

0.6%

0.9%

1.1%

0.8%

1.1%

0.4%

1.7%

89

84

104

104

115

94

105

30-89 Days Past Due (%)

  

4.9%

5.0%

5.3%

3.8%

4.8%

4.5%

4.4%

> 90 Days Past Due (%) (does not include nonaccruals)

  

7.0%

7.2%

6.6%

5.3%

5.7%

4.3%

6.7%

Loans & Leases >= 30 Days Past Due (%)

  

11.9%

12.2%

11.9%

9.0%

10.5%

8.7%

11.1%

CDFI Industry Net Charge-Offs, year to date (%, annualized)

n=

89

84

104

107

107

106

105

1.9%

1.2%

1.8%

1.4%

1.4%

1.3%

0.9%

123

103

118

121

127

105

116

Decreased

22%

14%

17%

12%

11%

10%

12%

Increased

35%

39%

36%

44%

36%

48%

43%

No Change

43%

48%

47%

45%

53%

42%

45%

124

105

118

121

126

105

116

Decreased

31%

30%

29%

20%

30%

20%

9%

Increased

32%

38%

38%

42%

32%

33%

52%

No Change

36%

31%

33%

38%

38%

47%

39%

123

103

119

120

NR

NR

NR

Decreased

40%

30%

24%

23%

NR

NR

NR

Increased

38%

47%

54%

47%

NR

NR

NR

No Change

22%

23%

22%

31%

NR

NR

NR

121

105

119

121

124

105

117

Decreased

9%

12%

7%

7%

10%

9%

4%

Increased

35%

37%

50%

43%

46%

42%

56%

No Change

56%

50%

43%

50%

44%

50%

40%

Net Charge Offs, year to date (%, annualized) Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

   n=

n=

n=

n=

123

103

118

120

124

104

116

Decreased

n=

18%

16%

8%

7%

6%

5%

3%

Increased

24%

32%

42%

32%

44%

38%

51%

No Change

58%

52%

51%

62%

49%

57%

46%

    Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

3 

Table I. Results for All Respondents, 4thQ08 – 2ndQ10, continued

Expected Demand for Financing (%)

n=

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

123

104

119

113

122

102

116

Decrease

2%

3%

7%

6%

4%

4%

5%

Increase

65%

72%

68%

64%

70%

73%

83%

No Change

33%

25%

25%

30%

25%

24%

12%

111

87*

NR

NR

NR

NR

NR

$1,970.3

$457

NR

NR

NR

NR

NR

$17.8

$5.3

NR

NR

NR

NR

NR

102

NR

NR

NR

NR

NR

NR

$498.6

NR

NR

NR

NR

NR

NR

$4.9

NR

NR

NR

NR

NR

NR

124

105

120

113

128

102

115

9%

10%

22%

19%

24%

25%

57%

Improve

36%

41%

33%

32%

29%

25%

26%

No Change

55%

49%

45%

49%

47%

51%

30%

120

103

118

109

81

NR

NR

0-90 days

13%

16%

16%

11%

22%

NR

NR

91-180 days

26%

28%

25%

34%

33%

NR

NR

181-365 days

24%

37%

31%

28%

22%

NR

NR

greater than 365

37%

19%

28%

28%

22%

NR

NR

120

103

119

111

124

100

113

No

78%

79%

75%

70%

67%

64%

63%

Yes

23%

21%

25%

30%

33%

36%

37%

Projected Financing Next Year* (if no Capital Constraints)

n=

Projected Total Financing Next Year (if no Capital Constraints) (MM) Projected Average Financing Next Year (if no Capital Constraints) (MM) Projected Additional Capital Needed Next Year

n=

Projected Total Capital Needed Next Year (MM) Projected Average Capital Needed Next Year (MM) Expected Change in Portfolio Quality (%)

n=

Deteriorate

Days Cash on Hand (#)

Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

n=

* Numbers reflect previous question which requested Projected Financing for Next Quarter

                                          Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

4 

Table II.A. Results by Asset Size for all Respondents: Large CDFIs, 4thQ08 – 2ndQtr10 10Q2 Number of Financing Applications Received (%)

09Q4

09Q3

09Q2

09Q1

08Q4

31

25

28

25

20

23

18

Decreased

16%

24%

25%

24%

25%

30%

28%

Increased

61%

44%

39%

60%

50%

48%

44%

No Change

23%

32%

36%

16%

25%

22%

28%

31

25

27

25

NR

NR

NR

Decreased

26%

28%

37%

44%

NR

NR

NR

Increased

55%

52%

48%

40%

NR

NR

NR

No Change

19%

20%

15%

16%

NR

NR

NR

Number of Financing Applications Received, Change Over Previous Year (%)

Number of Loans/Investments Originated (%)

n=

10Q1

n=

32

25

28

25

22

23

19

Decreased

9%

44%

36%

20%

14%

61%

42%

Increased

69%

36%

43%

56%

50%

13%

16%

No Change

22%

20%

21%

24%

36%

26%

42%

32

25

28

25

NR

NR

NR

Decreased

44%

40%

54%

48%

NR

NR

NR

Increased

50%

52%

36%

36%

NR

NR

NR

6% 28

8% 25

11% 25

16% 22

NR 20

NR 20

NR 16

Decreased

7%

16%

16%

14%

30%

40%

50%

Increased

29%

28%

32%

23%

20%

10%

25%

64%

56%

52%

64%

50%

50%

25%

28

25

26

22

NR

NR

NR

Decreased

14%

12%

15%

18%

NR

NR

NR

Increased

43%

44%

27%

27%

NR

NR

NR

No Change

43%

44%

58%

55%

NR

NR

NR

Number of Loans/Investments Originated, Change Over Previous Year (%)

No Change Ability to Access Capital (%)

n=

n=

n=

No Change Ability to Access Capital, Change from Previous Year (%)

Capital Liquidity (%)

n=

32

25

28

25

22

23

19

Decreased

41%

24%

21%

16%

23%

39%

37%

Increased

13%

20%

39%

24%

14%

22%

26%

47% 32

56% 25

39% 28

60% 25

64% NR

39% NR

37% NR

Decreased

28%

24%

25%

32%

NR

NR

NR

Increased

41%

40%

46%

36%

NR

NR

NR

31% 31

36% 25

29% 28

32% 25

NR 22

NR 23

NR 19

10%

20%

25%

16%

27%

26%

26%

No Change Capital Liquidity, Change Over Previous Year (%)

No Change Capital-Constrained (%)

n=

n=

n=

Both Debt

6%

4%

7%

20%

23%

22%

26%

Equity

13%

4%

14%

8%

5%

4%

5%

Neither

71%

72%

54%

56%

45%

48%

42%

Capital Shortfall During the Quarter

n=

3

3

NR

NR

NR

NR

NR

$53.0

$7.5

NR

NR

NR

NR

NR

$17.7 30

$2.5 24

NR 28

NR 25

NR 21

NR 23

NR 19

Decreased Increased

10% 13%

17% 13%

25% 14%

8% 16%

24% 24%

22% 22%

32% 16%

No Change

77%

71%

61%

76%

52%

57%

53%

Total Capital Shortfall During the Quarter ($ MM) Average Capital Shortfall During the Quarter ($ MM) Average Cost of Borrowed Capital

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

5 

Table II.A. Results by Asset Size for all Respondents: Large CDFIs, 4thQ08 – 2ndQtr10, continued 10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

26

23

25

NR

NR

NR

NR

6.8%

6.1%

6.2%

NR

NR

NR

NR

26

23

25

21

20

22

17

31-60 days

1.8%

1.5%

1.9%

2.0%

3.2%

1.9%

2.0%

61-90 days

1.3%

1.6%

1.5%

0.7%

1.0%

1.3%

1.0%

90+ days

4.2%

4.3%

4.8%

5.2%

4.8%

4.8%

3.1%

Total

7.3%

7.5%

8.2%

7.9%

9.0%

8.0%

6.1%

Loan Loss Reserve Average Portfolio-at-Risk

Average Non-Accruals (%)

n=

n=

Non-Accruals Average Loans Restructured (%)

n=

Loans Restructured Average Net Charge-Offs (%)

n=

24

17

NR

NR

NR

NR

NR

1.4%

0.6%

NR

NR

NR

NR

NR

24

17

NR

NR

NR

NR

NR

4.1%

2.3%

NR

NR

NR

NR

NR

26

23

25

21

26

23

18

0.6%

0.2%

0.7%

0.3%

0.6%

0.3%

0.2%

32

25

28

25

22

23

19

Decreased

31%

12%

7%

12%

18%

22%

16%

Increased

38%

32%

36%

60%

45%

52%

63%

No Change

31%

56%

57%

28%

36%

26%

21%

32

25

28

25

22

23

19

Decreased

31%

40%

29%

28%

27%

26%

11%

Increased

38%

48%

50%

56%

50%

48%

68%

No Change

31%

12%

21%

16%

23%

26%

21%

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

n=

n=

32

25

28

25

NR

NR

NR

Decreased

47%

28%

25%

20%

NR

NR

NR

Increased

44%

56%

57%

68%

NR

NR

NR

No Change

9%

16%

18%

12%

NR

NR

NR

Number of Loans/Investments in Workout (%)

n=

32

25

28

25

21

23

19

Decreased

9%

16%

4%

12%

19%

17%

5%

Increased

41%

44%

64%

60%

52%

65%

74%

No Change

50%

40%

32%

28%

29%

17%

21%

Number of Loans Given Term Extensions (%)

n=

32

24

27

25

21

23

19

Decreased

n=

19%

17%

7%

12%

14%

9%

11%

Increased

31%

33%

52%

48%

43%

30%

47%

No Change

50%

50%

41%

40%

43%

61%

42%

                        Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

6 

Table II.A. Results by Asset Size for all Respondents: Large CDFIs, 4thQ08 – 2ndQtr10, continued

Expected Demand for Financing (%)

n=

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

32

25

28

24

21

23

19

Decrease

3%

0%

4%

8%

5%

0%

0%

Increase

66%

68%

61%

38%

62%

61%

68%

No Change

31%

32%

36%

54%

33%

39%

32%

27

18

NR

NR

NR

NR

NR

$1,434.2

$337

NR

NR

NR

NR

NR

$53.1

$18.7

NR

NR

NR

NR

NR

22

NR

NR

NR

NR

NR

NR

$312.5

NR

NR

NR

NR

NR

NR

$14.2

NR

NR

NR

NR

NR

NR

32

25

28

24

22

23

19

Deteriorate

13%

20%

32%

21%

23%

26%

68%

Improve

28%

28%

18%

21%

23%

9%

16%

No Change

59%

52%

50%

58%

55%

65%

26%

29

24

28

22

15

NR

NR

7%

0%

4%

5%

0%

NR

NR

91-180 days

14%

17%

14%

18%

33%

NR

NR

181-365 days

24%

46%

32%

27%

33%

NR

NR

55%

38%

50%

50%

33%

NR

NR

31

25

27

22

22

22

17

No

77%

96%

85%

91%

77%

73%

76%

Yes

23%

4%

15%

9%

23%

27%

24%

Projected Financing Next Year* (if no Capital Constraints)

n=

Projected Total Financing Next Year (if no Capital Constraints) (MM) Projected Average Financing Next Year (if no Capital Constraints) (MM) Projected Additional Capital Needed Next Year

n=

Projected Total Capital Needed Next Year (MM) Projected Average Capital Needed Next Year (MM) Expected Change in Portfolio Quality (%)

Days Cash on Hand (#)

n=

n=

0-90 days

greater than 365 Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

* Numbers reflect previous question which requested Projected Financing for Next Quarter

                                          Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

7 

Table II.B. Results by Asset Size for all Respondents: Medium CDFIs, 4thQ08 – 2ndQtr10 10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

41 27% 59%

35 31% 40%

43 23% 53%

38 16% 68%

45 11% 60%

37 16% 59%

34 21% 53%

15%

29%

23%

16%

29%

24%

26%

41

35

43

38

NR

NR

NR

Decreased

44%

29%

19%

13%

NR

NR

NR

Increased

37%

49%

67%

79%

NR

NR

NR

20% 41

23% 35

14% 43

8% 38

NR 45

NR 38

NR 33

Decreased

29%

49%

21%

21%

13%

29%

33%

Increased

44%

26%

42%

63%

67%

39%

48%

27%

26%

37%

16%

20%

32%

18%

41

35

42

38

NR

NR

NR

Decreased

39%

37%

21%

21%

NR

NR

NR

Increased

39%

43%

57%

55%

NR

NR

NR

22%

20%

21%

24%

NR

NR

NR

35

24

32

33

37

28

31

Decreased

14%

13%

16%

27%

30%

43%

39%

Increased

34%

33%

25%

18%

11%

21%

16%

51%

54%

59%

55%

59%

36%

45%

34

25

35

31

NR

NR

NR

Decreased

18%

20%

34%

26%

NR

NR

NR

Increased

50%

40%

31%

26%

NR

NR

NR

32%

40%

34%

48%

NR

NR

NR

41

35

43

38

44

38

34

Decreased

34%

17%

26%

37%

36%

47%

35%

Increased

41%

49%

37%

37%

20%

29%

41%

24%

34%

37%

26%

43%

24%

24%

41

35

43

38

NR

NR

NR

Decreased

29%

34%

35%

45%

NR

NR

NR

Increased

44%

46%

40%

39%

NR

NR

NR

27%

20%

26%

16%

NR

NR

NR

41

35

42

38

20

24

34

15%

14%

17%

26%

40%

38%

29%

2% 7%

9% 6%

14% 24%

13% 16%

35% 25%

33% 29%

21% 15%

76%

71%

45%

45%

125%

104%

35%

10

8

NR

NR

NR

NR

NR

$18.1

$3.1

NR

NR

NR

NR

NR

$1.8 30

$1.6 24

NR 28

NR 25

NR 21

NR 23

NR 34

Decreased

10%

17%

25%

8%

24%

22%

12%

Increased No Change

13% 77%

13% 71%

14% 61%

16% 76%

24% 52%

22% 57%

21% 68%

Number of Financing Applications Received (%) Decreased Increased No Change Number of Financing Applications Received, Change Over Previous Year (%)

No Change Number of Loans/Investments Originated (%)

No Change Number of Loans/Investments Originated, Change Over Previous Year (%)

n=

n=

n=

n=

No Change Ability to Access Capital (%)

n=

No Change Ability to Access Capital, Change from Previous Year (%)

n=

No Change Capital Liquidity (%)

n=

No Change Capital Liquidity, Change Over Previous Year (%)

n=

No Change Capital-Constrained (%)

n=

Both Debt Equity Neither Capital Shortfall During the Quarter

n=

Total Capital Shortfall During the Quarter ($ MM) Average Capital Shortfall During the Quarter ($ MM) Average Cost of Borrowed Capital

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

8 

Table II.B. Results by Asset Size for all Respondents: Medium CDFIs, 4thQ08 – 2ndQtr10, continued 10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

30

31

36

NR

NR

NR

NR

8.1%

7.9%

7.3%

NR

NR

NR

NR

30

31

36

36

40

35

31

2.2%

2.5%

1.8%

2.6%

1.5%

1.8%

1.6%

61-90 days

1.4%

1.7%

1.8%

1.1%

1.0%

1.4%

1.4%

90+ days

3.9%

4.5%

3.7%

4.7%

4.2%

5.3%

5.3%

Total

7.5%

8.8%

7.2%

8.4%

6.8%

8.5%

8.3%

n=

28

26

NR

NR

NR

NR

NR

n=

0.8%

0.5%

NR

NR

NR

NR

NR

28

26

NR

NR

NR

NR

NR

4.6%

4.8%

NR

NR

NR

NR

NR

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Average Non-Accruals (%) Non-Accruals Average Loans Restructured (%) Loans Restructured Average Net Charge-Offs (%)

n=

Net Charge-Offs Loan Loss Reserve Ratio (%)

n=

30

31

36

37

38

35

33

0.4%

0.6%

1.2%

0.7%

1.5%

0.5%

0.6%

41

35

42

38

45

38

34

Decreased

24%

11%

21%

11%

9%

13%

3%

Increased

39%

46%

33%

45%

27%

61%

44%

37%

43%

45%

45%

64%

26%

53%

41

35

42

38

44

38

34

Decreased

41%

34%

24%

21%

34%

21%

3%

Increased

32%

37%

40%

45%

25%

32%

62%

No Change

27%

29%

36%

34%

41%

47%

35%

No Change Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

n=

41

35

43

38

NR

NR

NR

Decreased

46%

31%

14%

32%

NR

NR

NR

Increased

34%

34%

63%

39%

NR

NR

NR

No Change

20%

34%

23%

29%

NR

NR

NR

Number of Loans/Investments in Workout (%)

n=

39

35

43

38

44

38

34

Decreased

13%

17%

9%

3%

7%

8%

3%

Increased

38%

43%

42%

45%

43%

34%

59%

No Change

49%

40%

49%

53%

50%

58%

38%

41

35

43

38

45

38

34

Decreased

27%

26%

7%

8%

9%

5%

3%

Increased

22%

31%

40%

29%

47%

47%

56%

No Change

51%

43%

53%

63%

44%

47%

41%

Number of Loans Given Term Extensions (%)

n=

n=

                      Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

9 

Table II.B. Results by Asset Size for all Respondents: Medium CDFIs, 4thQ08 – 2ndQtr10, continued 10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

40

35

42

37

43

37

33

Decrease

3%

3%

10%

3%

5%

8%

9%

Increase

75%

83%

69%

76%

77%

76%

85%

No Change

23%

14%

21%

22%

19%

16%

6%

Expected Demand for Financing (%)

Projected Financing Next Year* (if no Capital Constraints)

n=

n=

Projected Total Financing Next Year (if no Capital Constraints) (MM) Projected Average Financing Next Year (if no Capital Constraints) (MM) Projected Additional Capital Needed Next Year

n=

40

33

NR

NR

NR

NR

NR

$431.9

$101

NR

NR

NR

NR

NR

$10.8

$3.1

NR

NR

NR

NR

NR

39

NR

NR

NR

NR

NR

NR

$148.8

NR

NR

NR

NR

NR

NR

$3.8

NR

NR

NR

NR

NR

NR

41

35

43

37

45

37

33

Deteriorate

15%

6%

16%

24%

29%

30%

24%

Improve

37%

37%

33%

30%

20%

22%

61%

No Change

49%

57%

51%

46%

51%

49%

33%

Projected Total Capital Needed Next Year (MM) Projected Average Capital Needed Next Year (MM) Expected Change in Portfolio Quality (%)

Days Cash on Hand (%)

n=

39

33

39

32

NR

NR

NR

0-90 days

15%

12%

13%

16%

NR

NR

NR

91-180 days

23%

33%

38%

31%

NR

NR

NR

181-365 days

18%

33%

23%

19%

NR

NR

NR

44%

21%

26%

34%

NR

NR

NR

41

34

43

37

44

37

34

No

63%

74%

67%

59%

64%

65%

50%

Yes

37%

26%

33%

41%

36%

35%

50%

greater than 365 Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

n=

* Numbers reflect previous question which requested Projected Financing for Next Quarter

                                            Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

10 

Table II.C. Results by Asset Size for all Respondents: Small CDFIs, 4thQ08 – 2ndQtr10 10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

51

45

49

58

61

44

60

Decreased

24%

16%

37%

12%

16%

11%

15%

Increased

45%

58%

27%

48%

62%

64%

73%

31%

27%

37%

40%

21%

25%

12%

48

44

47

57

NR

NR

NR

Decreased

31%

18%

19%

14%

NR

NR

NR

Increased

46%

55%

49%

58%

NR

NR

NR

23% 51

27% 45

32% 49

28% 57

NR 60

NR 45

NR 59

Decreased

24%

31%

31%

21%

18%

24%

22%

Increased

39%

42%

35%

39%

40%

38%

61%

37%

27%

35%

40%

42%

38%

17%

51

44

49

57

NR

NR

NR

Decreased

35%

36%

20%

23%

NR

NR

NR

Increased

43%

32%

51%

37%

NR

NR

NR

22%

32%

29%

40%

NR

NR

NR

38

30

33

39

46

34

44

Decreased

13%

13%

27%

31%

39%

38%

36%

Increased

13%

20%

18%

28%

24%

32%

18%

74%

67%

55%

41%

37%

29%

45%

39

36

29

43

NR

NR

NR

Decreased

21%

14%

31%

40%

NR

NR

NR

Increased

41%

31%

34%

26%

NR

NR

NR

38% 50

56% 44

34% 49

35% 57

NR 61

NR 45

NR 61

Decreased

26%

23%

20%

23%

44%

31%

46%

Increased

30%

34%

29%

32%

26%

33%

23%

44%

43%

51%

46%

30%

36%

31%

50

44

48

56

NR

NR

NR

Decreased

28%

20%

29%

23%

NR

NR

NR

Increased

36%

36%

33%

27%

NR

NR

NR

36% 50

43% 44

38% 48

50% 54

NR 61

NR 45

NR 61

Both

14%

14%

21%

24%

25%

27%

23%

Debt

0%

2%

10%

9%

8%

9%

10%

14%

11%

17%

11%

21%

4%

13%

72% 10

73% 7

52% NR

56% NR

46% NR

60% NR

54% NR

$9.0

$3.2

NR

NR

NR

NR

NR

$0.9 50 10% 8%

$0.5 44 16% 7%

NR 47 17% 6%

NR 54 7% 9%

NR 60 13% 12%

NR 44 11% 11%

NR 60 7% 12%

82%

77%

77%

83%

75%

77%

82%

Number of Financing Applications Received (%)

No Change Number of Financing Applications Received, Change Over Previous Year (%)

No Change Number of Loans/Investments Originated (%)

No Change Number of Loans/Investments Originated, Change Over Previous Year (%)

n=

n=

n=

n=

No Change Ability to Access Capital (%)

n=

No Change Ability to Access Capital, Change from Previous Year (%)

No Change Capital Liquidity (%)

n=

n=

No Change Capital Liquidity, Change Over Previous Year (%)

No Change Capital-Constrained (%)

n=

n=

Equity Neither Capital Shortfall During the Quarter

n=

Total Capital Shortfall During the Quarter ($ MM) Average Capital Shortfall During the Quarter ($ MM) Average Cost of Borrowed Capital Decreased Increased No Change

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

11 

Table II.C. Results by Asset Size for all Respondents: Small CDFIs, 4thQ08 – 2ndQtr10, continued 10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

33

30

43

NR

NR

NR

NR

16.3%

11.5%

9.0%

NR

NR

NR

NR

33

30

43

50

55

37

50

7.4%

4.2%

2.5%

2.8%

4.2%

4.0%

3.6%

61-90 days

2.0%

3.0%

1.2%

1.3%

2.1%

2.4%

2.2%

90+ days

6.0%

6.0%

4.5%

6.4%

7.6%

4.2%

8.8%

15.4%

8.8%

8.1%

10.6%

13.9%

10.6%

14.6%

29

26

NR

NR

NR

NR

NR

1.7%

0.1%

NR

NR

NR

NR

NR

29

26

NR

NR

NR

NR

NR

3.5%

5.7%

NR

NR

NR

NR

NR

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Total Average Non-Accruals (%)

n=

Non-Accruals Average Loans Restructured (%)

n=

Loans Restructured Average Net Charge-Offs (%)

n=

33

30

43

46

49

44

52

0.9%

1.8%

1.3%

1.0%

1.1%

0.5%

3.0%

50

43

48

58

60

44

61

Decreased

14%

16%

19%

12%

10%

2%

15%

Increased

30%

37%

38%

36%

40%

34%

36%

No Change

56%

47%

44%

52%

50%

64%

49%

51

45

48

58

60

44

61

Decreased

24%

22%

33%

16%

28%

16%

11%

Increased

29%

33%

29%

34%

30%

27%

41%

No Change

47%

44%

38%

50%

42%

57%

48%

50

43

48

57

NR

NR

NR

Decreased

30%

30%

33%

18%

NR

NR

NR

Increased

38%

51%

44%

42%

NR

NR

NR

No Change

32%

19%

23%

40%

NR

NR

NR

50

45

48

58

59

44

60

Decreased

6%

7%

6%

9%

10%

5%

3%

Increased

28%

29%

50%

34%

46%

36%

48%

66% 50

64% 44

44% 48

57% 57

44% 58

59% 43

48% 60

Decreased

10%

7%

8%

4%

2%

2%

2%

Increased

22%

32%

38%

26%

43%

35%

48%

No Change

68%

61%

54%

70%

55%

63%

50%

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

No Change Number of Loans Given Term Extensions (%)

n=

n=

n=

n=

n=

                      Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

12 

  Table II.C. Results by Asset Size for all Respondents: Small CDFIs, 4thQ08 – 2ndQtr10, continued 10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

51

44

49

52

58

42

60

Decrease

0%

5%

6%

8%

3%

2%

3%

Increase

57%

66%

71%

67%

69%

76%

87%

43%

30%

22%

25%

28%

21%

10%

44

36

NR

NR

NR

NR

NR

$104.1

$18

NR

NR

NR

NR

NR

$2.4

$0.5

NR

NR

NR

NR

NR

Expected Demand for Financing (%)

n=

No Change Projected Financing Next Year* (if no Capital Constraints)

n=

Projected Total Financing Next Year (if no Capital Constraints) (MM) Projected Average Financing Next Year (if no Capital Constraints) (MM) Projected Additional Capital Needed Next Year

n=

41

NR

NR

NR

NR

NR

NR

$37.3

NR

NR

NR

NR

NR

NR

$0.9

NR

NR

NR

NR

NR

NR

51

45

49

52

61

42

60

2%

9%

20%

15%

21%

19%

37%

41%

51%

43%

38%

38%

36%

48%

57%

40%

37%

46%

41%

45%

27%

44

41

42

43

NR

NR

NR

0-90 days

18%

29%

31%

14%

NR

NR

NR

91-180 days

41%

34%

26%

53%

NR

NR

NR

181-365 days

16%

27%

21%

14%

NR

NR

NR

25%

10%

21%

19%

NR

NR

NR

48

44

49

52

58

41

58

No

90%

73%

76%

69%

66%

59%

67%

Yes

10%

27%

24%

31%

34%

41%

33%

Projected Total Capital Needed Next Year (MM) Projected Average Capital Needed Next Year (MM) Expected Change in Portfolio Quality (%)

n=

Deteriorate Improve No Change Days Cash on Hand (#)

greater than 365 Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

n=

* Numbers reflect previous question which requested Projected Financing for Next Quarter

                                          Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

13 

  Table III.A. Results by Financing Sector: All Business, 4thQ08 – 2ndQtr10 10Q2 Number of Financing Applications Received (%)

09Q4

09Q3

09Q2

09Q1

08Q4

33

28

32

26

33

33

28

Decreased

24%

14%

28%

8%

15%

12%

4%

Increased

42%

57%

41%

73%

58%

58%

79%

33%

29%

31%

19%

27%

30%

18%

No Change Number of Financing Applications Received, Change Over Previous Year (%)

n=

10Q1

30

28

31

26

NR

NR

NR

Decreased

40%

14%

13%

4%

NR

NR

NR

Increased

37%

61%

68%

77%

NR

NR

NR

23% 33

25% 28

19% 32

19% 26

NR 33

NR 33

NR 28

Decreased

24%

25%

25%

19%

12%

27%

14%

Increased

42%

50%

47%

54%

42%

39%

61%

33%

25%

28%

27%

45%

33%

25%

33

28

32

26

NR

NR

NR

Decreased

42%

25%

28%

19%

NR

NR

NR

Increased

45%

50%

56%

46%

NR

NR

NR

No Change

12%

25%

16%

35%

NR

NR

NR

30

19

24

23

30

27

21

Decreased

3%

11%

17%

13%

33%

44%

38%

Increased

40%

32%

25%

26%

30%

22%

14%

57%

58%

58%

61%

37%

33%

48%

28

21

24

22

NR

NR

NR

Decreased

11%

14%

29%

23%

NR

NR

NR

Increased

50%

38%

33%

18%

NR

NR

NR

39% 33

48% 28

38% 32

59% 26

NR 33

NR 33

NR 29

Decreased

30%

14%

16%

27%

27%

45%

45%

Increased

48%

50%

31%

42%

30%

27%

24%

No Change

21%

36%

53%

31%

42%

27%

31%

No Change Number of Loans/Investments Originated (%)

No Change Number of Loans/Investments Originated, Change Over Previous Year (%)

Ability to Access Capital (%)

n=

n=

n=

n=

No Change Ability to Access Capital, Change from Previous Year (%)

No Change Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year (%)

n=

n=

33

28

31

26

NR

NR

NR

Decreased

n=

27%

25%

19%

35%

NR

NR

NR

Increased

42%

43%

35%

46%

NR

NR

NR

30%

32%

45%

19%

NR

NR

NR

32

28

32

25

33

33

29

Both

6%

14%

22%

20%

33%

27%

34%

Debt

0%

4%

9%

20%

3%

9%

7%

13%

7%

22%

8%

9%

9%

14%

81% 4 $5.8

75% 5 $5.4

47% NR NR

52% NR NR

55% NR NR

55% NR NR

45% NR NR

$1.4 33

$1.1 28

NR 31

NR 26

NR 33

NR 32

NR 28

9% 21% 70%

14% 7% 79%

16% 3% 81%

12% 8% 81%

21% 18% 61%

13% 13% 75%

0% 14% 86%

No Change Capital-Constrained (%)

n=

Equity Neither Capital Shortfall During the Quarter Total Capital Shortfall During the Quarter ($ MM) Average Capital Shortfall During the Quarter ($ MM) Average Cost of Borrowed Capital Decreased Increased No Change

n=

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

14 

Table III.A. Results by Financing Sector: All Business, 4thQ08 – 2ndQtr10, continued 10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

28

22

30

NR

NR

NR

NR

9.9%

8.7%

9.9%

NR

NR

NR

NR

28

22

30

26

28

28

23

7.6%

4.5%

1.5%

2.1%

3.7%

2.7%

2.6%

61-90 days

1.8%

2.5%

1.4%

1.5%

1.8%

1.5%

1.8%

90+ days

3.2%

4.6%

4.0%

5.7%

4.7%

5.8%

7.6%

12.6%

11.6%

6.9%

9.3%

10.1%

10.0%

12.0%

26

16

NR

NR

NR

NR

NR

1.1%

0.7%

NR

NR

NR

NR

NR

26

16

NR

NR

NR

NR

NR

4.8%

3.8%

NR

NR

NR

NR

NR

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Total Average Non-Accruals (%)

n=

Non-Accruals Average Loans Restructured (%)

n=

Loans Restructured Average Net Charge-Offs (%)

n=

28

22

30

25

24

33

24

0.5%

0.8%

0.6%

0.7%

1.7%

0.5%

0.9%

33

28

31

26

32

32

27

Decreased

18%

11%

13%

12%

16%

9%

11%

Increased

42%

43%

48%

46%

38%

53%

41%

No Change

39%

46%

39%

42%

47%

38%

48%

33

28

31

26

32

31

24

Decreased

27%

25%

19%

23%

38%

9%

4%

Increased

36%

36%

35%

42%

34%

38%

52%

No Change

36%

39%

45%

35%

28%

53%

44%

33

27

31

26

22

NR

NR

Decreased

39%

26%

29%

23%

NR

NR

NR

Increased

30%

48%

48%

42%

NR

NR

NR

No Change

30%

26%

23%

35%

NR

NR

NR

32

28

32

26

33

33

29

Decreased

13%

18%

6%

4%

9%

3%

0%

Increased

38%

43%

53%

35%

55%

45%

48%

No Change

50%

39%

41%

62%

36%

52%

52%

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

n=

n=

33

27

31

26

32

32

27

Decreased

n=

21%

19%

10%

4%

6%

0%

4%

Increased

27%

37%

45%

31%

38%

41%

41%

No Change

52%

44%

45%

65%

56%

59%

56%

                    Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

15 

Table III.A. Results by Financing Sector: All Business, 4thQ08 – 2ndQtr10, continued 10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

33

28

32

26

31

33

28

Decrease

0%

4%

6%

0%

0%

27%

0%

Increase

64%

79%

75%

77%

74%

73%

100%

36%

18%

19%

23%

26%

0%

0%

30

21

NR

NR

NR

NR

NR

$452.9

$192

NR

NR

NR

NR

NR

$15.1

$7.4

NR

NR

NR

NR

NR

28

NR

NR

NR

NR

NR

NR

$109.3

NR

NR

NR

NR

NR

NR

$3.9

NR

NR

NR

NR

NR

NR

Expected Demand for Financing (%)

n=

No Change Projected Financing Next Year* (if no Capital Constraints)

n=

Projected Total Financing Next Year (if no Capital Constraints) (MM) Projected Average Financing Next Year (if no Capital Constraints) (MM) Projected Additional Capital Needed Next Year

n=

Projected Total Capital Needed Next Year (MM) Projected Average Capital Needed Next Year (MM) Expected Change in Portfolio Quality (%)

33

28

32

26

33

33

27

Deteriorate

15%

7%

50%

58%

52%

48%

30%

Improve

24%

39%

28%

23%

27%

33%

63%

No Change

61%

54%

22%

19%

21%

18%

19%

32

28

32

26

22

NR

NR

0-90 days

16%

14%

19%

15%

27%

NR

NR

91-180 days

28%

32%

22%

23%

41%

NR

NR

181-365 days

22%

32%

38%

27%

18%

NR

NR

greater than 365

34%

21%

22%

35%

14%

NR

NR

33

28

31

26

32

33

28

No

82%

89%

77%

77%

66%

70%

71%

Yes

18%

11%

23%

23%

34%

30%

29%

Days Cash on Hand (%)

Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

n=

n=

* Numbers reflect previous question which requested Projected Financing for Next Quarter

                                          Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

16 

Table III.B. Results by Financing Sector: All Commercial Real Estate, 4thQ08 – 2ndQtr10 10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

4

3

5

8

NR

6

NR

Decreased

0%

67%

0%

25%

NR

50%

NR

Increased

100%

33%

20%

75%

NR

17%

NR

0%

0%

80%

0%

NR

33%

NR

4

3

5

8

NR

NR

NR

Decreased

50%

67%

40%

25%

NR

NR

NR

Increased

50%

33%

40%

75%

NR

NR

NR

No Change

0%

0%

20%

0%

NR

NR

NR

4

3

5

8

NR

6

NR

Decreased

50%

100%

20%

25%

NR

67%

NR

Increased

25%

0%

60%

37%

NR

17%

NR

25%

0%

20%

38%

NR

17%

NR

Number of Financing Applications Received (%)

No Change Number of Financing Applications Received, Change Over Previous Year (%)

Number of Loans/Investments Originated (%)

No Change Number of Loans/Investments Originated, Change Over Previous Year (%)

n=

n=

n=

4

3

5

8

NR

NR

NR

Decreased

75%

67%

20%

63%

NR

NR

NR

Increased

25%

33%

80%

25%

NR

NR

NR

0% 3

0% 3

0% 4

13% 8

NR NR

NR 5

NR NR

Decreased

33%

33%

25%

50%

NR

80%

NR

Increased

0%

0%

50%

13%

NR

0%

NR

67%

67%

25%

38%

NR

20%

NR

4

3

4

7

NR

NR

NR

25%

33%

25%

43%

NR

NR

NR

Increased

0%

33%

50%

14%

NR

NR

NR

No Change

75%

33%

25%

43%

NR

NR

NR

4

3

5

8

NR

6

NR

Decreased

0%

0%

20%

13%

NR

67%

NR

Increased

0%

0%

40%

50%

NR

17%

NR

100%

100%

40%

38%

NR

17%

NR

4

3

5

8

NR

NR

NR

Decreased

25%

33%

40%

13%

NR

NR

NR

Increased

0%

33%

40%

50%

NR

NR

NR

75%

33%

20%

38%

NR

NR

NR

4

3

5

8

NR

6

NR

Both

25%

0%

40%

50%

NR

67%

NR

Debt

0%

0%

0%

0%

NR

0%

NR

Equity

25%

0%

20%

0%

NR

0%

NR

Neither

50%

100%

40%

50%

NR

33%

NR

1

NA

NR

NR

NR

NR

NR

No Change Ability to Access Capital (%)

n=

n=

No Change Ability to Access Capital, Change from Previous Year (%)

n=

Decreased

Capital Liquidity (%)

n=

No Change Capital Liquidity, Change Over Previous Year (%)

n=

No Change Capital-Constrained (%)

Projected Financing Next Quarter (if no Capital Constraints)

n=

n=

Projected Total Financing Next Quarter (if no Capital Constraints) (MM)

$0.6

NA

NR

NR

NR

NR

NR

Projected Average Financing Next Quarter (if no Capital Constraints) (MM) Average Cost of Borrowed Capital

$0.6 4

NA 2

NR 5

NR 8

NR NR

NR 6

NR NR

0% 0% 100%

50% 0% 50%

20% 0% 80%

0% 13% 88%

NR NR NR

33% 33% 33%

NR NR NR

Decreased Increased No Change

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

17 

Table III.B. Results by Financing Sector: All Commercial Real Estate, 4thQ08 – 2ndQtr10, continued 10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

3

3

4

NR

NR

NR

NR

6.9%

4.2%

5.5%

NR

NR

NR

NR

3

3

4

5

NR

NR

NR

1.2%

3.0%

0.6%

0.3%

NR

NR

NR

61-90 days

1.5%

0.9%

0.9%

0.7%

NR

NR

NR

90+ days

2.1%

5.7%

6.4%

11.3%

NR

NR

NR

Total

4.7%

9.7%

7.9%

12.3%

NR

NR

NR

3

2

NR

NR

NR

NR

NR

1.0%

0.9%

NR

NR

NR

NR

NR

3

2

NR

NR

NR

NR

NR

3.0%

4.4%

NR

NR

NR

NR

NR

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Average Non-Accruals (%)

n=

Non-Accruals Average Loans Restructured (%)

n=

Loans Restructured Average Net Charge-Offs (%)

n=

3

3

4

3

NR

NR

NR

0.0%

0.1%

1.1%

0.1%

NR

NR

NR

4

3

5

8

NR

6

NR

25%

0%

20%

13%

NR

33%

NR

Increased

0%

33%

20%

63%

NR

17%

NR

No Change

75%

67%

60%

25%

NR

50%

NR

4

3

5

17

NR

6

NR

Decreased

0%

33%

20%

13%

NR

50%

NR

Increased

50%

33%

20%

63%

NR

17%

NR

No Change

50%

33%

60%

25%

NR

33%

NR

4

3

5

17

NR

NR

NR

Decreased

75%

33%

0%

13%

NR

NR

NR

Increased

25%

33%

20%

75%

NR

NR

NR

No Change

0%

33%

80%

13%

NR

NR

NR

4

3

5

17

NR

6

NR

Decreased

0%

33%

0%

0%

NR

0%

NR

Increased

25%

33%

40%

63%

NR

67%

NR

No Change

75%

33%

60%

33%

NR

33%

NR

Net Charge-Offs Loan Loss Reserve Ratio (%)

n=

Decreased

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

n=

4

2

5

17

NR

6

NR

Decreased

n=

25%

50%

0%

0%

NR

0%

NR

Increased

0%

50%

40%

38%

NR

17%

NR

No Change

75%

0%

60%

63%

NR

83%

NR

                      Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

18 

Table III.B. Results by Financing Sector: All Commercial Real Estate, 4thQ08 – 2ndQtr10, continued 10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

4

3

5

8

NR

6

NR

Decrease

0%

0%

0%

13%

NR

0%

NR

Increase

75%

67%

40%

63%

NR

67%

NR

No Change

25%

33%

60%

25%

NR

33%

NR

Expected Demand for Financing (%)

Projected Financing Next Year* (if no Capital Constraints)

n=

n=

3

3

NR

NR

NR

NR

NR

$82.0

$31

NR

NR

NR

NR

NR

$27.3

$10.3

NR

NR

NR

NR

NR

2

NR

NR

NR

NR

NR

NR

Projected Total Capital Needed Next Year (MM)

$5.5

NR

NR

NR

NR

NR

NR

Projected Average Capital Needed Next Year (MM)

$2.8

NR

NR

NR

NR

NR

NR

4

3

5

8

NR

6

NR

0%

0%

20%

38%

NR

0%

NR

Improve

25%

33%

0%

38%

NR

33%

NR

No Change

75%

67%

80%

25%

NR

67%

NR

4

3

5

7

NR

NR

NR

0-90 days

0%

0%

0%

0%

NR

NR

NR

91-180 days

0%

0%

20%

29%

NR

NR

NR

181-365 days

50%

33%

0%

43%

NR

NR

NR

greater than 365

50%

67%

80%

29%

NR

NR

NR

4

3

5

7

NR

6

NR

No

75%

100%

80%

43%

NR

33%

NR

Yes

25%

0%

20%

57%

NR

67%

NR

Projected Total Financing Next Year (if no Capital Constraints) (MM) Projected Average Financing Next Year (if no Capital Constraints) (MM) Projected Additional Capital Needed Next Year

Expected Change in Portfolio Quality (%)

n=

n=

Deteriorate

Days Cash on Hand (%)

Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

n=

* Numbers reflect previous question which requested Projected Financing for Next Quarter

                                            Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

19 

Table III.C. Results by Financing Sector, All: Community Services/Facilities, 4thQ08 – 2ndQtr10  10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

6

7

7

5

14

9

7

Decreased

50%

14%

29%

20%

14%

0%

0%

Increased

17%

43%

57%

48%

50%

67%

86%

No Change

33%

43%

14%

40%

36%

33%

14%

6

7

7

5

NR

NR

NR

Decreased

33%

14%

29%

20%

NR

NR

NR

Increased

33%

71%

43%

60%

NR

NR

NR

No Change

33%

14%

29%

20%

NR

NR

NR

6

7

7

5

14

9

7

Decreased

17%

57%

29%

20%

7%

33%

14%

Increased

33%

29%

29%

80%

71%

11%

43%

50%

14%

43%

0%

21%

56%

43%

6

7

7

5

NR

NR

NR

Decreased

50%

71%

14%

0%

NR

NR

NR

Increased

50%

29%

57%

80%

NR

NR

NR

0% 5

0% 7

29% 6

20% 5

NR 13

NR 7

NR 5

Decreased

20%

14%

0%

0%

38%

29%

40%

Increased

40%

14%

17%

0%

8%

0%

0%

40% 6

71% 7

83% 7

100% 5

54% NR

71% NR

60% NR

Decreased

17%

14%

14%

0%

NR

NR

NR

Increased

50%

29%

14%

40%

NR

NR

NR

33%

57%

71%

60%

NR

NR

NR

6

7

7

5

14

9

7

Decreased

33%

29%

29%

60%

29%

22%

43%

Increased

17%

29%

43%

0%

14%

0%

14%

50% 6

43% 7

29% 7

40% 5

57% NR

78% NR

43% NR

Decreased

17%

43%

43%

20%

NR

NR

NR

Increased

50%

29%

29%

40%

NR

NR

NR

33% 6

29% 7

29% 7

40% 5

NR 14

NR 9

NR 7

Both

17%

29%

14%

0%

14%

0%

29%

Debt

0%

29%

14%

20%

21%

22%

14%

17%

0%

14%

20%

0%

0%

0%

67%

43%

57%

60%

64%

78%

57%

2

3

NR

NR

NR

NR

NR

$15.0

$8.3

NR

NR

NR

NR

NR

$7.5

$2.8

NR

NR

NR

NR

NR

5 0% 60% 40%

7 29% 0% 71%

7 57% 29% 14%

5 0% 20% 80%

14 21% 14% 64%

9 22% 22% 56%

7 43% 14% 43%

Number of Financing Applications Received (%)

Number of Financing Applications Received, Change Over Previous Year (%)

Number of Loans/Investments Originated (%)

No Change Number of Loans/Investments Originated, Change Over Previous Year (%)

No Change Ability to Access Capital (%)

No Change Ability to Access Capital, Change from Previous Year (%)

n=

n=

n=

n=

n=

n=

No Change Capital Liquidity (%)

No Change Capital Liquidity, Change Over Previous Year (%)

No Change Capital-Constrained (%)

n=

n=

n=

Equity Neither Capital Shortfall During the Quarter

n=

Total Capital Shortfall During the Quarter ($ MM) Average Capital Shortfall During the Quarter ($ MM) Average Cost of Borrowed Capital Decreased Increased No Change

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

20 

Table III.C. Results by Financing Sector, All: Community Services/Facilities, 4thQ08 – 2ndQtr10, continued  10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

5

5

5

NR

NR

NR

NR

6.2%

6.1%

8.5%

NR

NR

NR

NR

5

5

5

5

13

8

6

1.6%

0.4%

3.9%

3.6%

2.5%

1.2%

1.2%

61-90 days

0.9%

1.1%

2.9%

0.5%

0.4%

0.3%

0.1%

90+ days

5.5%

3.1%

5.1%

2.5%

4.5%

4.5%

5.8%

Total

8.0%

4.6%

11.8%

6.6%

7.4%

5.9%

7.6%

4

5

NR

NR

NR

NR

NR

0.6%

0.5%

NR

NR

NR

NR

NR

4

5

NR

NR

NR

NR

NR

3.5%

4.5%

NR

NR

NR

NR

NR

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Average Non-Accruals (%)

n=

Non-Accruals Average Loans Restructured (%)

n=

Loans Restructured Average Net Charge-Offs (%)

n=

5

5

5

5

13

8

6

0.0%

0.1%

0.0%

0.0%

0.5%

0.0%

0.7%

6

7

7

5

14

9

7

Decreased

17%

0%

0%

0%

14%

11%

14%

Increased

33%

29%

14%

40%

21%

56%

29%

No Change

50%

71%

86%

60%

64%

33%

57%

6

7

7

5

14

9

7

Decreased

33%

14%

29%

40%

14%

22%

0%

Increased

50%

57%

57%

60%

29%

11%

43%

No Change

17%

29%

14%

0%

57%

67%

57%

6

7

7

5

NR

NR

NR

Decreased

50%

43%

29%

0%

NR

NR

NR

Increased

33%

29%

71%

100%

NR

NR

NR

No Change

17%

29%

0%

0%

NR

NR

NR

6

7

7

5

14

9

7

Decreased

0%

43%

14%

0%

7%

0%

0%

Increased

67%

0%

14%

80%

14%

22%

71%

No Change

33%

57%

71%

20%

79%

78%

29%

6

7

6

5

14

9

7

Decreased

0%

0%

0%

20%

7%

0%

0%

Increased

33%

0%

17%

40%

29%

11%

57%

No Change

67%

100%

83%

40%

64%

89%

43%

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

n=

n=

n=

                    Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

21 

Table III.C. Results by Financing Sector, All: Community Services/Facilities, 4thQ08 – 2ndQtr10, continued  10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

6

7

7

5

14

9

6

Decrease

0%

0%

0%

0%

21%

11%

0%

Increase

83%

100%

86%

60%

79%

56%

100%

No Change

17%

0%

14%

40%

0%

33%

0%

6

7

NR

NR

NR

NR

NR

$300.0

$109

NR

NR

NR

NR

NR

$50.0

$15.5

NR

NR

NR

NR

NR

5

NR

NR

NR

NR

NR

NR

$154.0

NR

NR

NR

NR

NR

NR

$30.8

NR

NR

NR

NR

NR

NR

6

7

7

5

14

9

7

Deteriorate

33%

43%

29%

40%

29%

11%

57%

Improve

17%

0%

29%

20%

29%

0%

14%

No Change

50%

57%

43%

40%

43%

89%

29%

5

7

7

5

8

NR

NR

Expected Demand for Financing (%)

Projected Financing Next Year* (if no Capital Constraints)

n=

n=

Projected Total Financing Next Year (if no Capital Constraints) (MM) Projected Average Financing Next Year (if no Capital Constraints) (MM) Projected Additional Capital Needed Next Year

n=

Projected Total Capital Needed Next Year (MM) Projected Average Capital Needed Next Year (MM) Expected Change in Portfolio Quality (%)

Days Cash on Hand (%)

n=

n=

0-90 days

20%

0%

0%

0%

0%

NR

NR

91-180 days

40%

57%

43%

40%

50%

NR

NR

181-365 days

20%

0%

43%

20%

13%

NR

NR

greater than 365

20%

43%

14%

40%

38%

NR

NR

6

7

7

5

13

8

7

No

83%

71%

43%

80%

92%

75%

71%

Yes

17%

29%

57%

20%

8%

25%

29%

Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

* Numbers reflect previous question which requested Projected Financing for Next Quarter

                                          Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

22 

Table III.D. Results by Financing Sector, All: Consumer, 4thQ08 – 2ndQtr10  10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

10

10

10

14

8

NR

6

Decreased

20%

40%

30%

0%

25%

NR

67%

Increased

60%

20%

20%

50%

38%

NR

17%

20%

40%

50%

50%

38%

NR

17%

10

10

9

14

NR

NR

NR

Decreased

30%

40%

44%

21%

NR

NR

NR

Increased

60%

40%

44%

57%

NR

NR

NR

No Change

10%

20%

11%

21%

NR

NR

NR

10

10

10

14

8

NR

5

Decreased

20%

40%

40%

21%

38%

NR

67%

Increased

50%

20%

30%

50%

25%

NR

17%

30%

40%

30%

29%

38%

NR

17%

10

10

9

14

NR

NR

NR

Decreased

30%

40%

33%

36%

NR

NR

NR

Increased

60%

30%

56%

36%

NR

NR

NR

10%

30%

11%

28%

NR

NR

NR

5

2

6

5

4

NR

3

Decreased

20%

0%

50%

20%

25%

NR

0%

Increased

20%

0%

17%

40%

0%

NR

33%

60%

100%

33%

40%

75%

NR

67%

5

4

4

6

NR

NR

NR

Decreased

20%

0%

25%

17%

NR

NR

NR

Increased

40%

25%

50%

50%

NR

NR

NR

40% 10

75% 10

25% 10

33% 14

NR 8

NR NR

NR 6

Decreased

20%

30%

10%

21%

38%

NR

33%

Increased

10%

10%

40%

0%

38%

NR

33%

70% 10

60% 10

50% 10

79% 14

25% NR

NR NR

33% NR

Decreased

10%

20%

20%

29%

NR

NR

NR

Increased

30%

0%

40%

21%

NR

NR

NR

No Change

60%

80%

40%

50%

NR

NR

NR

Number of Financing Applications Received (%)

No Change Number of Financing Applications Received, Change Over Previous Year (%)

Number of Loans/Investments Originated (%)

No Change Number of Loans/Investments Originated, Change Over Previous Year (%)

n=

n=

n=

n=

No Change Ability to Access Capital (%)

n=

No Change Ability to Access Capital, Change from Previous Year (%)

No Change Capital Liquidity (%)

No Change Capital Liquidity, Change Over Previous Year (%)

Capital-Constrained (%)

n=

n=

n=

10

9

9

14

8

NR

6

Both

n=

10%

0%

0%

0%

0%

NR

17%

Debt

0%

0%

0%

0%

0%

NR

0%

20%

11%

33%

14%

38%

NR

17%

70% 1

89% NA

67% NR

86% NR

63% NR

NR NR

67% NR

Equity Neither Capital Shortfall During the Quarter

n=

Total Capital Shortfall During the Quarter ($ MM)

$0.0

NA

NR

NR

NR

NR

NR

Average Capital Shortfall During the Quarter ($ MM) Average Cost of Borrowed Capital

$0.0 8

NA 10

NR 10

NR 11

NR 8

NR NR

NR 6

Decreased

13%

0%

20%

0%

13%

NR

17%

Increased

0%

0%

0%

0%

0%

NR

0%

No Change

88%

100%

80%

100%

88%

NR

83%

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

23 

Table III.D. Results by Financing Sector, All: Consumer, 4thQ08 – 2ndQtr10, continued  10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

6

7

8

NR

NR

NR

NR

8.1%

2.0%

2.6%

NR

NR

NR

NR

6

7

8

14

8

NR

NR

1.8%

4.7%

4.2%

2.3%

2.7%

NR

NR

61-90 days

1.1%

3.9%

1.4%

1.5%

2.2%

NR

NR

90+ days

3.5%

2.5%

1.0%

4.4%

1.5%

NR

NR

Total

6.4%

11.0%

6.6%

8.2%

6.4%

NR

NR

5

6

NR

NR

NR

NR

NR

0.0%

0.0%

NR

NR

NR

NR

NR

5

6

NR

NR

NR

NR

NR

0.0%

3.1%

NR

NR

NR

NR

NR

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Average Non-Accruals (%)

n=

Non-Accruals Average Loans Restructured (%)

n=

Loans Restructured Average Net Charge-Offs (%)

n=

6

7

8

14

7

NR

6

1.7%

0.4%

2.4%

1.5%

1.0%

NR

3.4%

10

10

10

14

8

NR

6

Decreased

20%

10%

10%

29%

13%

NR

17%

Increased

40%

30%

40%

36%

50%

NR

67%

No Change

40%

60%

50%

36%

38%

NR

17%

10

10

10

14

8

NR

6

Decreased

30%

30%

30%

21%

25%

NR

17%

Increased

20%

30%

30%

36%

13%

NR

50%

No Change

50%

40%

40%

43%

63%

NR

33%

10

10

10

14

NR

NR

NR

Decreased

20%

20%

20%

21%

NR

NR

NR

Increased

40%

40%

60%

35%

NR

NR

NR

No Change

40%

40%

20%

43%

NR

NR

NR

10

10

9

14

7

NR

6

Decreased

0%

0%

0%

14%

14%

NR

17%

Increased

20%

10%

44%

43%

57%

NR

50%

No Change

80%

90%

56%

14%

29%

NR

33%

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

n=

n=

10

10

10

14

8

NR

6

Decreased

n=

0%

0%

0%

7%

0%

NR

0%

Increased

20%

20%

60%

29%

63%

NR

67%

No Change

80%

80%

40%

64%

38%

NR

33%

                      Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

24 

Table III.D. Results by Financing Sector, All: Consumer, 4thQ08 – 2ndQtr10, continued  10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

10

9

10

14

7

NR

5

Decrease

0%

0%

0%

14%

0%

NR

0%

Increase

70%

44%

50%

36%

29%

NR

60%

No Change

30%

56%

50%

50%

71%

NR

40%

6

7

NR

NR

NR

NR

NR

$135.8

$4

NR

NR

NR

NR

NR

$22.6

$0.6

NR

NR

NR

NR

NR

6

NR

NR

NR

NR

NR

NR

Projected Total Capital Needed Next Year (MM)

$0.7

NR

NR

NR

NR

NR

NR

Projected Average Capital Needed Next Year (MM)

$0.1

NR

NR

NR

NR

NR

NR

10

10

10

14

8

NR

5

Deteriorate

10%

0%

0%

0%

13%

NR

40%

Improve

40%

50%

60%

43%

38%

NR

0%

No Change

50%

50%

40%

57%

50%

NR

60%

10

9

10

12

5

NR

NR

0-90 days

10%

22%

40%

8%

80%

NR

NR

91-180 days

40%

33%

0%

58%

0%

NR

NR

181-365 days

10%

22%

20%

0%

0%

NR

NR

greater than 365

40%

22%

40%

33%

20%

NR

NR

10

8

10

14

6

NR

6

No

90%

75%

90%

64%

17%

NR

33%

Yes

10%

25%

10%

36%

83%

NR

67%

Expected Demand for Financing (%)

Projected Financing Next Year* (if no Capital Constraints)

n=

n=

Projected Total Financing Next Year (if no Capital Constraints) (MM) Projected Average Financing Next Year (if no Capital Constraints) (MM) Projected Additional Capital Needed Next Year

Expected Change in Portfolio Quality (%)

Days Cash on Hand (%)

Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

n=

n=

n=

* Numbers reflect previous question which requested Projected Financing for Next Quarter

                                          Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

25 

Table III.E. Results by Financing Sector, All: Housing to Individuals, 4thQ08 – 2ndQtr10  10Q2 16

10Q1 13

09Q4 15

09Q3 17

09Q2 19

09Q1 13

08Q4 17

Decreased

38%

31%

33%

29%

16%

23%

35%

Increased

50%

38%

40%

41%

63%

62%

47%

No Change

13%

31%

27%

29%

21%

15%

18%

16

12

14

17

NR

NR

NR

Decreased

50%

17%

21%

18%

NR

NR

NR

Increased

25%

42%

43%

59%

NR

NR

NR

No Change

25%

42%

36%

24%

NR

NR

NR

16

13

15

16

18

13

18

Decreased

31%

46%

27%

31%

22%

38%

28%

Increased

50%

23%

27%

44%

39%

46%

50%

19%

31%

47%

25%

39%

15%

22%

16

12

15

17

NR

NR

NR

Decreased

50%

25%

27%

29%

NR

NR

NR

Increased

19%

25%

27%

53%

NR

NR

NR

31% 12

50% 10

47% 12

18% 14

NR 11

NR 11

NR 14

Decreased

17%

10%

0%

43%

45%

55%

64%

Increased

25%

30%

25%

21%

9%

18%

7%

58% 12

60% 11

75% 12

36% 16

45% NR

27% NR

29% NR

Decreased

17%

0%

8%

44%

NR

NR

NR

Increased

42%

45%

25%

19%

NR

NR

NR

No Change

42%

55%

67%

38%

NR

NR

NR

16

13

15

17

18

13

18

Decreased

25%

8%

13%

35%

39%

46%

56%

Increased

19%

31%

40%

29%

17%

23%

28%

56%

62%

47%

35%

44%

31%

17%

16

12

15

17

NR

NR

NR

Decreased

31%

17%

33%

35%

NR

NR

NR

Increased

25%

33%

40%

35%

NR

NR

NR

44% 15

50% 13

27% 14

29% 17

NR 19

NR 13

NR 18

Both

0%

23%

29%

35%

21%

23%

22%

Debt

13%

8%

14%

12%

16%

23%

39%

Equity

13%

8%

14%

18%

32%

15%

0%

73% 3

62% 2

43% NR

35% NR

32% NR

38% NR

39% NR

$15.0

$4.4

NR

NR

NR

NR

NR

$5.0

$2.2

NR

NR

NR

NR

NR

Number of Financing Applications Received (%)

Number of Financing Applications Received, Change Over Previous Year (%)

Number of Loans/Investments Originated (%)

No Change Number of Loans/Investments Originated, Change Over Previous Year (%)

No Change Ability to Access Capital (%)

No Change Ability to Access Capital, Change from Previous Year (%)

Capital Liquidity (%)

n=

n=

n=

n=

n=

n=

n=

No Change Capital Liquidity, Change Over Previous Year (%)

No Change Capital-Constrained (%)

Neither Capital Shortfall During the Quarter

n=

n=

n=

Total Capital Shortfall During the Quarter ($ MM) Average Capital Shortfall During the Quarter ($ MM) Average Cost of Borrowed Capital

16

11

15

17

18

13

17

Decreased Increased

n=

25% 6%

9% 18%

20% 13%

0% 6%

6% 11%

31% 8%

12% 18%

No Change

69%

73%

67%

94%

83%

62%

71%

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

26 

Table III.E. Results by Financing Sector, All: Housing to Individuals, 4thQ08 – 2ndQtr10, continued  10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

13

11

12

NR

NR

NR

NR

5.7%

4.3%

3.4%

NR

NR

NR

NR

13

11

12

13

14

12

15

4.4%

4.6%

2.7%

2.9%

8.1%

1.5%

4.4%

61-90 days

1.9%

3.7%

1.5%

1.3%

3.6%

1.2%

3.0%

90+ days

6.4%

6.0%

4.6%

7.5%

7.0%

1.7%

9.7%

12.8%

14.3%

8.8%

11.7%

18.7%

4.4%

12.7%

10

7

NR

NR

NR

NR

NR

0.0%

0.0%

NR

NR

NR

NR

NR

10

7

NR

NR

NR

NR

NR

1.0%

0.6%

NR

NR

NR

NR

NR

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Total Average Non-Accruals (%)

n=

Non-Accruals Average Loans Restructured (%)

n=

Loans Restructured Average Net Charge-Offs (%)

n=

13

11

12

13

13

12

14

0.7%

2.0%

0.5%

0.3%

0.1%

0.2%

1.9%

16

13

15

17

19

13

18

Decreased

25%

8%

7%

12%

0%

8%

11%

Increased

38%

38%

33%

24%

21%

46%

22%

No Change

38%

54%

60%

65%

79%

46%

67%

16

13

15

17

18

13

18

Decreased

31%

15%

20%

18%

17%

38%

6%

Increased

50%

62%

47%

47%

39%

46%

61%

No Change

19%

23%

33%

35%

44%

15%

33%

16

12

15

17

NR

NR

NR

Decreased

31%

17%

13%

29%

NR

NR

NR

Increased

63%

67%

67%

41%

NR

NR

NR

No Change

6%

17%

20%

29%

NR

NR

NR

16

13

15

17

18

13

17

Decreased

13%

8%

0%

0%

11%

23%

12%

Increased

19%

46%

53%

41%

44%

31%

47%

No Change

69%

46%

47%

59%

44%

46%

41%

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

n=

n=

16

13

15

17

18

13

18

Decreased

n=

25%

8%

0%

0%

0%

0%

0%

Increased

13%

31%

33%

24%

28%

31%

28%

No Change

63%

62%

67%

76%

72%

69%

72%

                      Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

27 

Table III.E. Results by Financing Sector, All: Housing to Individuals, 4thQ08 – 2ndQtr10, continued  10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

16

13

14

17

17

13

18

Decrease

6%

15%

0%

6%

0%

8%

11%

Increase

56%

62%

50%

71%

71%

85%

78%

No Change

38%

23%

50%

24%

29%

8%

11%

Expected Demand for Financing (%)

Projected Financing Next Year* (if no Capital Constraints)

n=

n=

15

12

NR

NR

NR

NR

NR

$281.7

$29

NR

NR

NR

NR

NR

$18.8

$2.4

NR

NR

NR

NR

NR

15

NR

NR

NR

NR

NR

NR

$75.1

NR

NR

NR

NR

NR

NR

$5.0

NR

NR

NR

NR

NR

NR

16

13

15

0.17

19

13

18**

6%

46%

40%

41%

37%

38%

22%

Improve

50%

15%

33%

18%

42%

15%

61%

No Change

44%

38%

27%

41%

21%

46%

28%

16

13

15

17

13

NR

NR

0-90 days

19%

31%

33%

12%

46%

NR

NR

91-180 days

44%

46%

40%

59%

46%

NR

NR

181-365 days

19%

15%

20%

24%

0%

NR

NR

greater than 365

19%

8%

7%

6%

8%

NR

NR

15

13

15

17

18

13

18

No

60%

62%

60%

75%

50%

62%

50%

Yes

40%

38%

40%

25%

50%

38%

50%

Projected Total Financing Next Year (if no Capital Constraints) (MM) Projected Average Financing Next Year (if no Capital Constraints) (MM) Projected Additional Capital Needed Next Year

n=

Projected Total Capital Needed Next Year (MM) Projected Average Capital Needed Next Year (MM) Expected Change in Portfolio Quality (%)

n=

Deteriorate

Days Cash on Hand (%)

Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

n=

* Numbers reflect previous question which requested Projected Financing for Next Quarter

                                            Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

28 

Table III.F. Results by Financing Sector, All: Housing to Organizations, 4thQ08 – 2ndQtr10 10Q2 34

10Q1 23

09Q4 31

09Q3 29

09Q2 26

09Q1 21

08Q4 33

Decreased

6%

26%

26%

24%

19%

24%

24%

Increased

65%

48%

42%

44%

50%

57%

52%

29%

26%

32%

31%

31%

19%

24%

Number of Financing Applications Received (%)

No Change Number of Financing Applications Received, Change Over Previous Year (%)

n=

34

23

31

28

NR

NR

NR

Decreased

n=

24%

43%

29%

39%

NR

NR

NR

Increased

53%

43%

48%

39%

NR

NR

NR

24%

13%

23%

21%

NR

NR

NR

35

23

31

29

28

22

33

Decreased

11%

52%

29%

21%

11%

41%

39%

Increased

54%

22%

45%

41%

61%

23%

30%

No Change

34%

26%

26%

38%

29%

36%

30%

No Change Number of Loans/Investments Originated (%)

Number of Loans/Investments Originated, Change Over Previous Year (%)

n=

35

23

31

28

NR

NR

NR

Decreased

n=

37%

48%

42%

39%

NR

NR

NR

Increased

37%

43%

39%

25%

NR

NR

NR

26%

9%

19%

36%

NR

NR

NR

30

20

24

26

24

15

28

Decreased

20%

15%

21%

23%

33%

27%

39%

Increased

20%

30%

38%

27%

13%

40%

21%

No Change

60%

55%

42%

50%

54%

33%

39%

29

21

25

25

NR

NR

NR

Decreased

24%

19%

32%

32%

NR

NR

NR

Increased

41%

43%

40%

32%

NR

NR

NR

No Change

34%

38%

28%

36%

NR

NR

NR

35

23

31

28

28

22

33

Decreased

51%

35%

35%

25%

46%

32%

33%

Increased

17%

39%

32%

32%

14%

45%

33%

No Change

31%

26%

32%

43%

39%

23%

33%

35

23

31

28

NR

NR

NR

Decreased

37%

35%

45%

39%

NR

NR

NR

Increased

46%

52%

42%

29%

NR

NR

NR

No Change

17%

13%

13%

32%

NR

NR

NR

35

23

31

28

28

22

33

Both

23%

22%

19%

29%

29%

41%

21%

Debt

3%

0%

13%

18%

21%

18%

18%

Equity

6%

9%

16%

14%

11%

9%

21%

Neither

69%

70%

52%

39%

39%

32%

39%

8

4

NR

NR

NR

NR

NR

$40.7

$5.0

NR

NR

NR

NR

NR

$5.1

$1.3

NR

NR

NR

NR

NR

35

23

31

29

28

22

33

Decreased Increased

11% 14%

17% 13%

16% 23%

17% 10%

14% 21%

14% 23%

24% 15%

No Change

74%

70%

61%

72%

64%

64%

61%

No Change Ability to Access Capital (%)

Ability to Access Capital, Change from Previous Year (%)

Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year (%)

Capital-Constrained (%)

Capital Shortfall During the Quarter

n=

n=

n=

n=

n=

n=

Total Capital Shortfall During the Quarter ($ MM) Average Capital Shortfall During the Quarter ($ MM) Average Cost of Borrowed Capital

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

29 

Table III.F. Results by Financing Sector, All: Housing to Organizations, 4thQ08 – 2ndQtr10, continued 10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

20

22

30

NR

NR

NR

NR

9.5%

9.5%

7.3%

NR

NR

NR

NR

20

22

30

28

27

22

31

1.4%

0.4%

1.4%

1.7%

1.1%

2.1%

1.4%

61-90 days

1.5%

1.2%

1.4%

0.4%

0.7%

1.7%

0.9%

90+ days

6.9%

6.0%

3.4%

5.2%

6.6%

5.7%

4.5%

Total

9.8%

7.7%

6.3%

7.3%

8.4%

9.6%

6.1%

20

20

NR

NR

NR

NR

NR

1.4%

0.3%

NR

NR

NR

NR

NR

20

20

NR

NR

NR

NR

NR

4.8%

4.5%

NR

NR

NR

NR

NR

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Average Non-Accruals (%)

n=

Non-Accruals Average Loans Restructured (%)

n=

Loans Restructured Average Net Charge-Offs (%)

n=

20

22

30

28

27

22

32*

0.2%

0.3%

0.9%

0.1%

1.5%

0.5%

0.2%

35

22

31

29

28

22

33

Decreased

31%

27%

29%

13%

14%

14%

9%

Increased

29%

41%

29%

45%

43%

50%

52%

No Change

40%

32%

42%

41%

43%

36%

39%

35

23

30

29

28

22

33

Decreased

34%

43%

33%

21%

36%

18%

12%

Increased

20%

26%

37%

28%

18%

41%

45%

No Change

46%

30%

30%

52%

46%

41%

42%

35

23

31

28

NR

NR

NR

Decreased

43%

39%

23%

32%

NR

NR

NR

Increased

34%

35%

55%

32%

NR

NR

NR

No Change

23%

26%

23%

36%

NR

NR

NR

33

23

31

29

28

22

33

Decreased

9%

22%

13%

17%

11%

18%

3%

Increased

36%

30%

52%

38%

50%

45%

55%

No Change

55%

48%

35%

45%

39%

36%

42%

35

23

31

28

28

22

33

Decreased

20%

26%

13%

18%

14%

23%

9%

Increased

31%

39%

48%

29%

57%

50%

55%

No Change

49%

35%

39%

54%

29%

27%

36%

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

n=

n=

n=

                    Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

30 

Table III.F. Results by Financing Sector, All: Housing to Organizations, 4thQ08 – 2ndQtr10, continued 10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

34

23

31

28

28

22

33

Decrease

3%

0%

10%

7%

11%

5%

6%

Increase

71%

70%

77%

59%

64%

68%

70%

No Change

26%

30%

13%

35%

25%

27%

24%

34

17

NR

NR

NR

NR

NR

$671.5

$76

NR

NR

NR

NR

NR

$19.8

$4.4

NR

NR

NR

NR

NR

31

NR

NR

NR

NR

NR

NR

$138.2

NR

NR

NR

NR

NR

NR

$4.5

NR

NR

NR

NR

NR

NR

35

23

31

28

28

22

33**

6%

43%

42%

50%

54%

50%

36%

Improve

37%

4%

23%

25%

18%

32%

55%

No Change

57%

52%

35%

25%

29%

18%

24%

34

22

30

27

22

NR

NR

Expected Demand for Financing (%)

Projected Financing Next Year* (if no Capital Constraints)

n=

n=

Projected Total Financing Next Year (if no Capital Constraints) (MM) Projected Average Financing Next Year (if no Capital Constraints) (MM) Projected Additional Capital Needed Next Year

n=

Projected Total Capital Needed Next Year (MM) Projected Average Capital Needed Next Year (MM) Expected Change in Portfolio Quality (%)

n=

Deteriorate

Days Cash on Hand (%)

n=

0-90 days

9%

5%

7%

11%

5%

NR

NR

91-180 days

12%

9%

17%

19%

9%

NR

NR

181-365 days

29%

59%

30%

33%

50%

NR

NR

greater than 365

50%

27%

47%

37%

36%

NR

NR

35

23

31

28

28

21

32

No

69%

78%

81%

71%

61%

71%

63%

Yes

31%

22%

19%

29%

39%

29%

38%

Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

* Numbers reflect previous question which requested Projected Financing for Next Quarter

                                          Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

31 

Table III.G. Results by Financing Sector, All: Microenterprise, 4thQ08 – 2ndQtr10 10Q2 Number of Financing Applications Received (%)

09Q4

09Q3

09Q2

09Q1

08Q4

17

18

16

13

20

11

22

Decreased

29%

17%

50%

15%

10%

9%

9%

Increased

65%

61%

44%

69%

80%

73%

77%

No Change

6%

22%

6%

15%

10%

18%

14%

17

18

16

13

NR

NR

NR

Decreased

29%

11%

19%

23%

NR

NR

NR

Increased

59%

61%

81%

77%

NR

NR

NR

12%

28%

0%

0%

NR

NR

NR

17

18

16

13

20

12

21

Decreased

24%

33%

31%

23%

20%

42%

24%

Increased

59%

50%

31%

62%

50%

42%

67%

No Change

18%

17%

38%

15%

30%

17%

10%

17

18

16

13

NR

NR

NR

Decreased

18%

39%

13%

15%

NR

NR

NR

Increased

71%

39%

69%

69%

NR

NR

NR

No Change

12%

22%

19%

15%

NR

NR

NR

13

15

10

8

15

8

19

0%

7%

30%

25%

27%

13%

32%

Increased

8%

33%

0%

25%

27%

63%

32%

No Change

92%

60%

70%

50%

47%

25%

37%

14

16

10

9

NR

NR

NR

Decreased

7%

13%

40%

22%

NR

NR

NR

Increased

57%

38%

20%

44%

NR

NR

NR

No Change

36%

50%

40%

33%

NR

NR

NR

16

17

16

13

20

12

22

Decreased

25%

24%

25%

23%

55%

25%

45%

Increased

44%

35%

31%

38%

15%

33%

23%

No Change

31%

41%

44%

38%

30%

42%

32%

Number of Financing Applications Received, Change Over Previous Year (%)

n=

10Q1

n=

No Change Number of Loans/Investments Originated (%)

Number of Loans/Investments Originated, Change Over Previous Year (%)

Ability to Access Capital (%)

n=

n=

n=

Decreased

Ability to Access Capital, Change from Previous Year (%)

Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year (%)

n=

n=

16

18

16

13

NR

NR

NR

Decreased

25%

22%

19%

31%

NR

NR

NR

Increased

50%

56%

44%

15%

NR

NR

NR

25% 17

22% 18

38% 16

54% 13

NR 20

NR 12

NR 22

Both

18%

0%

13%

8%

10%

8%

18%

Debt

0%

6%

19%

15%

20%

25%

9%

Equity

6%

11%

19%

15%

15%

17%

14%

76%

83%

50%

62%

55%

50%

59%

3

3

NR

NR

NR

NR

NR

$1.1

$0.8

NR

NR

NR

NR

NR

$0.4 17

$0.3 18

NR 15

NR 13

NR 20

NR 12

NR 22

Decreased Increased

18% 0%

11% 6%

20% 7%

8% 0%

15% 5%

17% 8%

5% 9%

No Change

82%

83%

73%

92%

80%

75%

86%

No Change Capital-Constrained (%)

n=

n=

Neither Capital Shortfall During the Quarter

n=

Total Capital Shortfall During the Quarter ($ MM) Average Capital Shortfall During the Quarter ($ MM) Average Cost of Borrowed Capital

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

32 

Table III.G. Results by Financing Sector, All: Microenterprise, 4thQ08 – 2ndQtr10, continued 10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

13

13

12

NR

NR

NR

NR

23.9%

16.9%

12.7%

NR

NR

NR

NR

13

14

12

13

20

12

22

31-60 days

2.7%

2.6%

3.2%

3.3%

2.5%

7.3%

3.8%

61-90 days

1.5%

1.8%

1.6%

2.1%

1.4%

4.4%

2.1%

90+ days

4.4%

5.4%

8.4%

5.3%

9.3%

7.0%

10.1%

Total

8.6%

9.8%

13.2%

10.6%

13.2%

18.7%

15.9%

Loan Loss Reserve Average Portfolio-at-Risk

Average Non-Accruals (%)

n=

n=

Non-Accruals Average Loans Restructured (%)

n=

Loans Restructured Average Net Charge-Offs (%)

n=

12

12

NR

NR

NR

NR

NR

3.5%

0.2%

NR

NR

NR

NR

NR

12

12

NR

NR

NR

NR

NR

6.1%

6.6%

NR

NR

NR

NR

NR

13

14

12

13

18

12

21*

1.7%

2.1%

3.5%

2.4%

1.2%

1.1%

4.9%

16

17

15

13

20

12

22

Decreased

13%

18%

27%

0%

10%

0%

18%

Increased

38%

35%

33%

46%

40%

67%

41%

No Change

50%

47%

40%

54%

50%

33%

41%

17

18

16

13

20

12

22

Decreased

41%

44%

56%

23%

40%

17%

18%

Increased

29%

33%

44%

62%

45%

50%

50%

No Change

29%

22%

0%

15%

15%

33%

32%

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

n=

n=

17

18

16

13

NR

NR

NR

Decreased

47%

39%

44%

23%

NR

NR

NR

Increased

41%

50%

50%

62%

NR

NR

NR

No Change

12%

11%

6%

15%

NR

NR

NR

Number of Loans/Investments in Workout (%)

n=

17

18

16

13

20

12

22

Decreased

12%

6%

6%

8%

15%

8%

5%

Increased

41%

44%

69%

62%

45%

58%

68%

No Change

47%

50%

25%

31%

40%

33%

27%

Number of Loans Given Term Extensions (%)

n=

17

18

16

13

20

12

22

Decreased

n=

18%

17%

13%

0%

5%

0%

0%

Increased

18%

33%

31%

46%

65%

58%

73%

No Change

65%

50%

56%

54%

30%

42%

27%

                      Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

33 

Table III.G. Results by Financing Sector, All: Microenterprise, 4thQ08 – 2ndQtr10, continued 10Q2 Expected Demand for Financing (%)

09Q4

09Q3

09Q2

09Q1

08Q4

17

18

16

13

20

12

22

Decrease

0%

0%

19%

8%

5%

0%

0%

Increase

65%

83%

63%

77%

80%

92%

95%

No Change

35%

17%

19%

15%

15%

8%

5%

Projected Financing Next Year* (if no Capital Constraints)

n=

10Q1

n=

Projected Total Financing Next Year (if no Capital Constraints) (MM) Projected Average Financing Next Year (if no Capital Constraints) (MM) Projected Additional Capital Needed Next Year

14

NR

NR

NR

NR

NR

$8

NR

NR

NR

NR

NR

$2.5

$0.6

NR

NR

NR

NR

NR

13

NR

NR

NR

NR

NR

NR

Projected Total Capital Needed Next Year (MM)

$7.9

NR

NR

NR

NR

NR

NR

Projected Average Capital Needed Next Year (MM)

$0.6

NR

NR

NR

NR

NR

NR

Expected Change in Portfolio Quality (%)

n=

15 $37.4

n=

17

18

16

13

20

12

22**

0%

11%

13%

8%

15%

17%

55%

Improve

59%

44%

50%

54%

50%

58%

50%

No Change

41%

44%

38%

38%

35%

25%

23%

Deteriorate

Days Cash on Hand (%)

16

18

15

13

14

NR

NR

0-90 days

13%

28%

13%

15%

57%

NR

NR

91-180 days

31%

28%

47%

31%

29%

NR

NR

181-365 days

31%

39%

40%

46%

7%

NR

NR

greater than 365

25%

6%

0%

8%

7%

NR

NR

15

18

16

13

20

12

20

100%

72%

75%

62%

70%

75%

75%

0%

28%

25%

38%

30%

25%

25%

Anticipate a Decline in Unrestricted Net Assets in Current FY (%) No Yes

n=

n=

* Numbers reflect previous question which requested Projected Financing for Next Quarter

                                            Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

34 

Table IV.A Results by Region All: Midwest CDFIs, 4thQ08 – 2ndQtr10 10Q2 27

10Q1 25

09Q4 25

09Q3 27

09Q2 30

09Q1 23

08Q4 22

Decreased

19%

16%

24%

15%

7%

17%

18%

Increased

52%

48%

36%

67%

73%

61%

68%

30%

36%

40%

19%

20%

22%

14%

27

25

25

26

NR

NR

NR

Decreased

26%

16%

16%

12%

NR

NR

NR

Increased

52%

48%

52%

73%

NR

NR

NR

22% 28

36% 25

32% 25

15% 27

NR 30

NR 23

NR 21

Decreased

11%

48%

20%

11%

10%

43%

29%

Increased

57%

32%

44%

59%

57%

26%

52%

32%

20%

36%

30%

33%

30%

19%

28

25

25

26

NR

NR

NR

Decreased

36%

48%

24%

27%

NR

NR

NR

Increased

46%

28%

52%

50%

NR

NR

NR

18%

24%

24%

23%

NR

NR

NR

18

8

17

24

24

20

20

Decreased

0%

33%

18%

21%

33%

40%

15%

Increased

39%

22%

29%

21%

21%

20%

35%

61% 18

44% 18

53% 19

58% 23

46% NR

40% NR

50% NR

Decreased

17%

11%

42%

22%

NR

NR

NR

Increased

50%

44%

26%

30%

NR

NR

NR

33%

44%

32%

48%

NR

NR

NR

28

25

25

26

29

23

22

Decreased

32%

20%

20%

23%

31%

35%

27%

Increased

29%

36%

20%

31%

24%

35%

36%

39%

44%

60%

46%

45%

30%

36%

28

25

24

26

NR

NR

NR

Decreased

25%

16%

17%

27%

NR

NR

NR

Increased

43%

56%

42%

58%

NR

NR

NR

32%

28%

42%

15%

NR

NR

NR

28

25

25

26

30

23

22

Both

4%

16%

24%

15%

23%

26%

18%

Debt

0%

8%

8%

15%

7%

9%

9%

11%

0%

12%

8%

7%

4%

23%

86% 3

76% 6

56% NR

62% NR

63% NR

61% NR

50% NR

Total Capital Shortfall During the Quarter ($ MM)

$43.3

$3.2

NR

NR

NR

NR

NR

Average Capital Shortfall During the Quarter ($ MM) Average Cost of Borrowed Capital

$14.4 28

$0.5 25

NR 25

NR 27

NR 29

NR 23

NR 22

7%

12%

20%

7%

14%

9%

14%

Number of Financing Applications Received (%)

No Change Number of Financing Applications Received, Change Over Previous Year (%)

No Change Number of Loans/Investments Originated (%)

No Change Number of Loans/Investments Originated, Change Over Previous Year (%)

n=

n=

n=

n=

No Change Ability to Access Capital (%)

No Change Ability to Access Capital, Change from Previous Year (%)

n=

n=

No Change Capital Liquidity (%)

n=

No Change Capital Liquidity, Change Over Previous Year (%)

n=

No Change Capital-Constrained (%)

n=

Equity Neither Capital Shortfall During the Quarter

Decreased

n=

n=

Increased

7%

0%

8%

7%

10%

22%

14%

No Change

86%

88%

72%

85%

76%

70%

73%

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

35 

Table IV.A Results by Region All: Midwest CDFIs, 4thQ08 – 2ndQtr10, continued Average Loan Loss Reserve (%)

n=

Loan Loss Reserve Average Portfolio-at-Risk

n=

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

19

30

23

NR

NR

NR

NR

11.8%

11.5%

8.5%

NR

NR

NR

NR

19

30

23

23

27

21

21

31-60 days

6.5%

4.2%

1.2%

2.2%

3.5%

2.9%

2.5%

61-90 days

1.0%

3.0%

1.9%

0.7%

1.6%

1.9%

2.0%

90+ days

5.6%

6.0%

4.8%

6.9%

3.6%

2.9%

5.1%

13.1%

13.2%

7.9%

9.8%

8.7%

7.7%

9.7%

17

26

NR

NR

NR

NR

NR

1.5%

0.1%

NR

NR

NR

NR

NR

17

26

NR

NR

NR

NR

NR

Total Average Non-Accruals (%)

n=

Non-Accruals Average Loans Restructured (%)

n=

Loans Restructured

3.7%

5.7%

NR

NR

NR

NR

NR

n=

19

30

23

23

27

23

20

%=

0.4%

1.8%

0.9%

0.7%

0.5%

0.6%

1.2%

n=

28

25

25

27

30

23

22

Decreased

14%

12%

12%

7%

10%

17%

23%

Increased

46%

36%

40%

33%

30%

39%

18%

No Change

39%

52%

48%

59%

60%

43%

59%

28

25

25

27

30

23

22

Decreased

39%

20%

24%

19%

27%

30%

14%

Increased

43%

48%

36%

44%

43%

26%

41%

No Change

18%

32%

40%

37%

30%

43%

45%

28

25

25

26

NR

NR

NR

Decreased

32%

32%

32%

15%

NR

NR

NR

Increased

46%

52%

44%

50%

NR

NR

NR

No Change

21%

16%

24%

35%

NR

NR

NR

27

25

25

27

27

22

22

Decreased

4%

12%

8%

7%

15%

5%

0%

Increased

41%

40%

48%

44%

37%

45%

45%

No Change

56%

48%

44%

48%

48%

50%

55%

28

24

25

26

28

22

21

Decreased

11%

8%

4%

4%

0%

5%

5%

Increased

32%

50%

48%

35%

36%

36%

48%

No Change

57%

42%

48%

62%

64%

59%

48%

Average Net Charge-Offs (%) Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

n=

n=

                    Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

36 

Table IV.A Results by Region All: Midwest CDFIs, 4thQ08 – 2ndQtr10, continued 10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

28

25

25

26

27

23

22

Decrease

0%

0%

4%

4%

7%

0%

9%

Increase

75%

84%

80%

58%

70%

83%

91%

No Change

25%

16%

16%

38%

22%

17%

0%

Expected Demand for Financing (%)

Projected Financing Next Year* (if no Capital Constraints)

n=

n=

26

24

NR

NR

NR

NR

NR

$623.3

$244

NR

NR

NR

NR

NR

$24.0

$10.2

NR

NR

NR

NR

NR

24

NR

NR

NR

NR

NR

NR

$100.0

NR

NR

NR

NR

NR

NR

$4.2

NR

NR

NR

NR

NR

NR

28

25

25

26

29

23

22

Deteriorate

14%

20%

48%

46%

45%

61%

27%

Improve

39%

52%

28%

15%

24%

17%

45%

No Change

46%

28%

24%

38%

31%

22%

27%

27

25

25

25

22

NR

NR

0-90 days

11%

20%

16%

16%

41%

NR

NR

91-180 days

33%

20%

32%

24%

23%

NR

NR

181-365 days

19%

28%

28%

16%

23%

NR

NR

greater than 365

37%

32%

24%

44%

14%

NR

NR

28

25

24

26

28

23

21

No

71%

76%

63%

65%

75%

65%

62%

Yes

29%

24%

38%

35%

25%

35%

38%

Projected Total Financing Next Year (if no Capital Constraints) (MM) Projected Average Financing Next Year (if no Capital Constraints) (MM) Projected Additional Capital Needed Next Year

n=

Projected Total Capital Needed Next Year (MM) Projected Average Capital Needed Next Year (MM) Expected Change in Portfolio Quality (%)

Days Cash on Hand (%)

Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

n=

n=

* Numbers reflect previous question which requested Projected Financing for Next Quarter

                                            Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

37 

Table IV.B Results by Region All: Northeast CDFIs, 4thQ08 – 2ndQtr10 10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

34

26

30

31

35

27

35

Decreased

24%

31%

37%

19%

29%

52%

26%

Increased

56%

42%

27%

48%

37%

19%

57%

21%

27%

37%

32%

34%

30%

17%

33

26

28

31

NR

NR

NR

Decreased

45%

42%

29%

23%

NR

NR

NR

Increased

30%

38%

54%

61%

NR

NR

NR

No Change

24%

19%

18%

16%

NR

NR

NR

34

26

30

31

35

28

34

Decreased

26%

38%

37%

29%

26%

39%

38%

Increased

44%

38%

37%

48%

37%

36%

41%

29%

23%

27%

23%

37%

25%

21%

34 47%

26 38%

30 33%

31 35%

NR NR

NR NR

NR NR

32%

46%

50%

35%

NR

NR

NR

21%

15%

17%

29%

NR

NR

NR

30

22

25

30

31

23

25

Decreased

10%

0%

8%

24%

32%

43%

56%

Increased

23%

18%

32%

24%

16%

17%

16%

No Change

67%

82%

60%

52%

52%

39%

28%

Number of Financing Applications Received (%)

No Change Number of Financing Applications Received, Change Over Previous Year (%)

Number of Loans/Investments Originated (%)

No Change Number of Loans/Investments Originated, Change Over Previous Year (%) Decreased

n=

n=

n=

n=

Increased No Change Ability to Access Capital (%)

Ability to Access Capital, Change from Previous Year (%)

n=

29

24

24

30

NR

NR

NR

Decreased

10%

13%

29%

32%

NR

NR

NR

Increased

45%

42%

33%

24%

NR

NR

NR

No Change

45%

46%

38%

44%

NR

NR

NR

34

25

30

31

36

28

35

Decreased

29%

24%

20%

23%

47%

57%

60%

Increased

35%

28%

47%

35%

22%

14%

23%

No Change

35%

48%

33%

42%

31%

29%

17%

Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year (%)

n=

n=

34

26

30

31

NR

NR

NR

Decreased

29%

31%

33%

26%

NR

NR

NR

Increased

44%

35%

43%

29%

NR

NR

NR

26% 32

35% 26

23% 28

45% 29

NR 36

NR 28

NR 35

Both

9%

15%

25%

28%

25%

29%

31%

Debt

0%

0%

7%

17%

14%

25%

20%

19% 72%

8% 77%

18% 50%

7% 48%

19% 42%

11% 36%

11% 37%

5

2

NR

NR

NR

NR

NR

$8.4

$9.5

NR

NR

NR

NR

NR

$1.7 34

$4.8 25

NR 30

NR 29

NR 35

NR 28

NR 34

Decreased Increased

21% 21%

20% 8%

20% 17%

10% 14%

20% 20%

25% 18%

9% 21%

No Change

59%

72%

63%

76%

60%

57%

71%

No Change Capital-Constrained (%)

n=

n=

Equity Neither Capital Shortfall During the Quarter

n=

Total Capital Shortfall During the Quarter ($ MM) Average Capital Shortfall During the Quarter ($ MM) Average Cost of Borrowed Capital

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

38 

Table IV.B Results by Region All: Northeast CDFIs, 4thQ08 – 2ndQtr10, continued 10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

28

23

25

NR

NR

NR

NR

8.4%

7.7%

9.4%

NR

NR

NR

NR

28

23

25

29

33

25

28

4.0%

2.8%

2.2%

3.2%

4.4%

4.0%

2.9%

61-90 days

1.6%

1.9%

1.4%

1.3%

1.8%

1.7%

1.8%

90+ days

4.9%

3.8%

4.2%

5.1%

6.1%

6.1%

7.3%

10.6%

8.5%

7.7%

9.7%

12.3%

11.8%

12.0%

26

19

NR

NR

NR

NR

NR

0.2%

0.2%

NR

NR

NR

NR

NR

26

19

NR

NR

NR

NR

NR

3.2%

2.5%

NR

NR

NR

NR

NR

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Total Average Non-Accruals (%)

n=

Non-Accruals Average Loans Restructured (%)

n=

Loans Restructured Average Net Charge-Offs (%)

n=

28

23

25

29

36

25

27

0.7%

0.5%

0.6%

0.8%

1.7%

0.2%

1.1%

34

24

30

31

36

28

34

Decreased

26%

21%

13%

13%

11%

7%

18%

Increased

24%

25%

33%

39%

36%

46%

50%

No Change

50%

54%

53%

48%

53%

46%

32%

34

26

30

31

36

28

34

Decreased

26%

46%

30%

13%

39%

14%

21%

Increased

29%

27%

40%

45%

28%

32%

50%

No Change

44%

27%

30%

42%

33%

54%

29%

33

26

30

31

NR

NR

NR

Decreased

42%

38%

30%

39%

NR

NR

NR

Increased

36%

42%

37%

35%

NR

NR

NR

No Change

21%

19%

33%

26%

NR

NR

NR

34

26

30

31

35

28

35

Decreased

18%

15%

3%

3%

11%

7%

6%

Increased

29%

42%

53%

42%

51%

36%

63%

No Change

53%

42%

43%

55%

37%

57%

31%

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

n=

n=

33

26

30

31

35

28

35

Decreased

n=

21%

19%

7%

10%

6%

4%

3%

Increased

21%

23%

27%

19%

46%

39%

49%

No Change

58%

58%

67%

71%

49%

57%

49%

                      Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

39 

Table IV.B Results by Region All: Northeast CDFIs, 4thQ08 – 2ndQtr10, continued 10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

34

26

30

29

34

27

35

Decrease

6%

0%

7%

10%

6%

0%

3%

Increase

50%

65%

60%

69%

65%

67%

77%

No Change

44%

35%

33%

21%

29%

33%

20%

32

21

NR

NR

NR

NR

NR

$463.8

$58

NR

NR

NR

NR

NR

$14.5

$2.8

NR

NR

NR

NR

NR

28

NR

NR

NR

NR

NR

NR

$110.9

NR

NR

NR

NR

NR

NR

$4.0

NR

NR

NR

NR

NR

NR

34

26

30

29

36

27

34

3%

58%

43%

59%

53%

41%

26%

Improve

24%

4%

17%

24%

25%

37%

74%

No Change

74%

38%

40%

17%

22%

22%

18%

Expected Demand for Financing (%)

Projected Financing Next Year* (if no Capital Constraints)

n=

n=

Projected Total Financing Next Year (if no Capital Constraints) (MM) Projected Average Financing Next Year (if no Capital Constraints) (MM) Projected Additional Capital Needed Next Year

n=

Projected Total Capital Needed Next Year (MM) Projected Average Capital Needed Next Year (MM) Expected Change in Portfolio Quality (%)

n=

Deteriorate

Days Cash on Hand (%)

33

21

30

27

23

NR

NR

0-90 days

21%

10%

13%

4%

26%

NR

NR

91-180 days

24%

33%

30%

44%

39%

NR

NR

181-365 days

24%

38%

33%

33%

13%

NR

NR

greater than 365

30%

19%

23%

19%

22%

NR

NR

31

25

30

29

34

25

35

No

77%

80%

87%

76%

71%

76%

57%

Yes

23%

20%

13%

24%

29%

24%

43%

Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

n=

* Numbers reflect previous question which requested Projected Financing for Next Quarter

                                        Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

40 

Table IV.C Results by Region All: South CDFIs, 4thQ08 – 2ndQtr10  10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

33

36

35

40

36

32

30

Decreased

21%

25%

23%

8%

14%

22%

10%

Increased

58%

50%

34%

53%

53%

47%

60%

21%

25%

43%

40%

33%

31%

30%

33

36

35

40

NR

NR

NR

Decreased

27%

22%

23%

18%

NR

NR

NR

Increased

61%

56%

49%

58%

NR

NR

NR

No Change

12%

22%

29%

25%

NR

NR

NR

33

36

35

39

36

32

30

Decreased

21%

36%

23%

18%

14%

25%

20%

Increased

45%

31%

31%

46%

56%

31%

57%

33%

33%

46%

36%

31%

44%

23%

Number of Financing Applications Received (%)

No Change Number of Financing Applications Received, Change Over Previous Year (%)

Number of Loans/Investments Originated (%)

No Change Number of Loans/Investments Originated, Change Over Previous Year (%)

n=

n=

n=

33

36

35

40

NR

NR

NR

Decreased

30%

36%

26%

18%

NR

NR

NR

Increased

58%

36%

43%

48%

NR

NR

NR

No Change

12%

28%

31%

35%

NR

NR

NR

30

27

23

30

31

23

25

Decreased

13%

15%

17%

23%

35%

30%

36%

Increased

23%

30%

26%

33%

19%

35%

8%

63%

56%

57%

43%

45%

35%

56%

29

30

26

40

NR

NR

NR

Decreased

21%

20%

15%

35%

NR

NR

NR

Increased

52%

30%

46%

29%

NR

NR

NR

28% 33

50% 36

38% 35

35% 40

NR 36

NR 32

NR 31

Decreased

39%

22%

26%

28%

31%

31%

32%

Increased

27%

33%

31%

33%

25%

34%

26%

33%

44%

43%

40%

44%

34%

42%

33

36

35

39

NR

NR

NR

Decreased

33%

28%

40%

36%

NR

NR

NR

Increased

33%

33%

37%

23%

NR

NR

NR

33%

39%

23%

41%

NR

NR

NR

33

36

35

30

36

32

31

Both

24%

22%

26%

27%

28%

31%

19%

Debt

3%

6%

17%

7%

14%

13%

13%

12%

17%

20%

17%

17%

9%

16%

61% 10

56% 10

37% NR

50% NR

42% NR

47% NR

52% NR

$25.3

$11.6

NR

NR

NR

NR

NR

$2.5 30

$1.2 35

NR 34

NR 39

NR 36

NR 32

NR 31

13% 20% 67%

11% 9% 80%

18% 9% 74%

13% 10% 77%

17% 14% 69%

16% 9% 75%

23% 6% 71%

Ability to Access Capital (%)

n=

n=

No Change Ability to Access Capital, Change from Previous Year (%)

No Change Capital Liquidity (%)

n=

n=

No Change Capital Liquidity, Change Over Previous Year (%)

n=

No Change Capital-Constrained (%)

n=

Equity Neither Capital Shortfall During the Quarter

n=

Total Capital Shortfall During the Quarter ($ MM) Average Capital Shortfall During the Quarter ($ MM) Average Cost of Borrowed Capital Decreased Increased No Change

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

41 

Table IV.C Results by Region All: South CDFIs, 4thQ08 – 2ndQtr10, continued   10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

23

28

32

NR

NR

NR

NR

9.8%

8.7%

7.1%

NR

NR

NR

NR

23

28

33

34

31

28

26

3.7%

2.9%

2.6%

2.7%

2.2%

2.1%

2.8%

61-90 days

2.1%

2.9%

1.4%

1.3%

1.8%

1.5%

2.2%

90+ days

6.4%

6.1%

4.6%

6.7%

9.8%

5.4%

9.9%

12.3%

11.8%

8.6%

10.8%

13.8%

9.1%

15.0%

22

21

NR

NR

NR

NR

NR

1.4%

0.6%

NR

NR

NR

NR

NR

22

21

NR

NR

NR

NR

NR

4.4%

5.2%

NR

NR

NR

NR

NR

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Total Average Non-Accruals (%)

n=

Non-Accruals Average Loans Restructured (%)

n=

Loans Restructured Average Net Charge-Offs (%)

n=

23

28

32

32

31

29

24

0.8%

0.9%

1.6%

0.6%

0.5%

0.4%

1.8%

33

36

35

40

36

32

31

Decreased

18%

11%

26%

13%

8%

13%

6%

Increased

45%

47%

29%

45%

44%

53%

52%

No Change

36%

42%

46%

43%

47%

34%

42%

33

36

34

40

35

32

31

Decreased

33%

33%

35%

20%

23%

16%

0%

Increased

27%

36%

35%

35%

37%

28%

48%

No Change

39%

31%

29%

45%

40%

56%

52%

33

36

35

40

NR

NR

NR

Decreased

42%

22%

23%

20%

NR

NR

NR

Increased

36%

44%

60%

50%

NR

NR

NR

No Change

21%

33%

17%

30%

NR

NR

NR

32

36

34

40

36

32

30

Decreased

6%

14%

9%

10%

8%

9%

10%

Increased

38%

28%

41%

43%

47%

44%

63%

No Change

56%

58%

50%

48%

44%

47%

27%

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

n=

n=

33

36

34

40

36

32

31

Decreased

n=

24%

14%

12%

5%

11%

9%

6%

Increased

24%

22%

35%

38%

42%

38%

55%

No Change

52%

64%

53%

58%

47%

53%

39%

                      Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

42 

Table IV.C Results by Region All: South CDFIs, 4thQ08 – 2ndQtr10, continued   10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

32

35

35

35

35

30

31

Decrease

0%

3%

3%

3%

0%

7%

6%

Increase

78%

63%

69%

71%

80%

67%

84%

No Change

22%

34%

29%

26%

20%

27%

10%

29

36

NR

NR

NR

NR

NR

$565.1

$105

NR

NR

NR

NR

NR

$19.5

$3.8

NR

NR

NR

NR

NR

Expected Demand for Financing (%)

Projected Financing Next Year* (if no Capital Constraints)

n=

n=

Projected Total Financing Next Year (if no Capital Constraints) (MM) Projected Average Financing Next Year (if no Capital Constraints) (MM) Projected Additional Capital Needed Next Year

n=

27

NR

NR

NR

NR

NR

NR

$198.0

NR

NR

NR

NR

NR

NR

$7.3

NR

NR

NR

NR

NR

NR

33

36

35

35

36

30

30

Deteriorate

12%

58%

49%

40%

36%

50%

33%

Improve

45%

6%

14%

17%

22%

23%

53%

42%

36%

37%

43%

42%

27%

40%

32

36

34

35

26

NR

NR

0-90 days

13%

11%

12%

9%

27%

NR

NR

91-180 days

22%

39%

15%

31%

31%

NR

NR

181-365 days

22%

31%

29%

34%

15%

NR

NR

greater than 365

44%

19%

44%

26%

27%

NR

NR

33

35

35

34

35

30

30

No

76%

80%

71%

68%

60%

60%

63%

Yes

24%

20%

29%

32%

40%

40%

37%

Projected Total Capital Needed Next Year (MM) Projected Average Capital Needed Next Year (MM) Expected Change in Portfolio Quality (%)

n=

No Change Days Cash on Hand (%)

Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

n=

* Numbers reflect previous question which requested Projected Financing for Next Quarter

                                          Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

43 

Table IV.D Results by Region All: West CDFIs, 4thQ08 – 2ndQtr10 10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

29

18

30

23

26

22

29

Decreased

28%

17%

33%

26%

12%

9%

21%

Increased

48%

56%

60%

65%

85%

82%

69%

24%

28%

7%

9%

4%

9%

10%

27

17

29

23

NR

NR

NR

Decreased

37%

12%

24%

30%

NR

NR

NR

Increased

37%

71%

69%

52%

NR

NR

NR

26% 29

18% 18

7% 30

17% 23

NR 27

NR 23

NR 30

Decreased

28%

39%

33%

26%

11%

30%

30%

Increased

48%

44%

47%

48%

59%

39%

43%

24%

17%

20%

26%

30%

30%

27%

29

17

29

23

NR

NR

NR

Decreased

41%

24%

31%

35%

NR

NR

NR

Increased

38%

59%

55%

35%

NR

NR

NR

21%

18%

14%

30%

NR

NR

NR

23

12

25

21

18

16

23

Decreased

22%

8%

36%

40%

33%

50%

48%

Increased

17%

42%

12%

7%

17%

19%

22%

No Change

61%

50%

52%

53%

50%

31%

30%

25

14

21

22

NR

NR

NR

Decreased

24%

14%

29%

29%

NR

NR

NR

Increased

32%

36%

14%

18%

NR

NR

NR

44%

50%

57%

53%

NR

NR

NR

28

18

30

23

27

23

30

Decreased

29%

17%

23%

30%

44%

30%

40%

Increased

25%

50%

37%

26%

15%

35%

30%

46% 28

33% 17

40% 30

43% 23

41% NR

35% NR

30% NR

Decreased

25%

29%

27%

39%

NR

NR

NR

Increased

39%

41%

33%

26%

NR

NR

NR

36%

29%

40%

35%

NR

NR

NR

29

17

30

18

27

23

30

Both

14%

0%

7%

22%

11%

13%

27%

Debt

7%

6%

10%

11%

19%

17%

10%

Number of Financing Applications Received (%)

No Change Number of Financing Applications Received, Change Over Previous Year (%)

No Change Number of Loans/Investments Originated (%)

No Change Number of Loans/Investments Originated, Change Over Previous Year (%)

n=

n=

n=

n=

No Change Ability to Access Capital (%)

Ability to Access Capital, Change from Previous Year (%)

n=

n=

No Change Capital Liquidity (%)

No Change Capital Liquidity, Change Over Previous Year (%)

n=

n=

No Change Capital-Constrained (%)

n=

Equity

3%

0%

23%

17%

15%

13%

13%

Neither

76%

94%

60%

50%

56%

57%

50%

5

-

NR

NR

NR

NR

NR

Total Capital Shortfall During the Quarter ($ MM)

$3.1

NA

NR

NR

NR

NR

NR

Average Capital Shortfall During the Quarter ($ MM)

$0.6

NA

NR

NR

NR

NR

NR

29 7% 3%

18 11% 17%

29 21% 10%

22 0% 0%

27 11% 11%

22 14% 9%

29 7% 17%

90%

72%

69%

100%

78%

77%

76%

Capital Shortfall During the Quarter

Average Cost of Borrowed Capital Decreased Increased No Change

n=

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

44 

Table IV.D Results by Region All: West CDFIs, 4thQ08 – 2ndQtr10, continued 10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

19

14

24

NR

NR

NR

NR

14.5%

9.6%

6.3%

NR

NR

NR

NR

19

14

24

21

24

20

24

1.7%

1.4%

2.2%

1.9%

2.0%

1.5%

2.5%

61-90 days

1.5%

1.5%

1.2%

1.1%

0.7%

2.1%

0.7%

90+ days

1.7%

3.1%

3.4%

2.9%

3.4%

3.9%

4.0%

Total

4.9%

5.9%

6.8%

5.9%

6.1%

7.5%

7.2%

19

12

NR

NR

NR

NR

NR

2.5%

0.5%

NR

NR

NR

NR

NR

19

12

NR

NR

NR

NR

NR

5.2%

4.8%

NR

NR

NR

NR

NR

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Average Non-Accruals (%)

n=

Non-Accruals Average Loans Restructured (%)

n=

Loans Restructured Average Net Charge-Offs (%)

n=

19

14

24

20

24

21

24

0.5%

0.7%

1.3%

1.1%

0.4%

0.5%

3.4%

28

18

28

23

26

22

29

Decreased

29%

11%

14%

13%

15%

5%

3%

Increased

25%

44%

43%

61%

35%

50%

45%

No Change

46%

44%

43%

26%

50%

45%

52%

29

18

29

23

26

22

29

Decreased

28%

17%

24%

30%

31%

23%

3%

Increased

31%

44%

41%

48%

15%

50%

66%

No Change

41%

39%

34%

22%

54%

27%

31%

29

16

29

23

NR

NR

NR

Decreased

41%

31%

14%

13%

NR

NR

NR

Increased

34%

50%

72%

52%

NR

NR

NR

No Change

24%

19%

14%

35%

NR

NR

NR

28

18

30

23

26

23

30

Decreased

7%

6%

7%

9%

8%

13%

0%

Increased

32%

44%

60%

43%

46%

43%

47%

No Change

61%

50%

33%

48%

46%

43%

53%

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

n=

n=

29

17

29

23

25

22

29

Decreased

n=

14%

24%

7%

9%

8%

0%

0%

Increased

21%

41%

59%

35%

56%

41%

52%

No Change

66%

35%

34%

57%

36%

59%

48%

                      Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

45 

Table IV.D Results by Region All: West CDFIs, 4thQ08 – 2ndQtr10, continued 10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

29

18

29

23

26

22

30

Decrease

0%

11%

14%

9%

4%

9%

3%

Increase

59%

83%

66%

52%

65%

77%

83%

No Change

41%

6%

21%

39%

31%

14%

13%

24

14

NR

NR

NR

NR

NR

$318.2

$49

NR

NR

NR

NR

NR

$13.3

$3.5

NR

NR

NR

NR

NR

23

NR

NR

NR

NR

NR

NR

$89.8

NR

NR

NR

NR

NR

NR

$3.9

NR

NR

NR

NR

NR

NR

29

18

30

23

27

22

29

7%

44%

40%

52%

56%

55%

34%

Improve

38%

17%

30%

22%

26%

18%

52%

No Change

55%

39%

30%

26%

19%

27%

21%

28

18

29

22

21

NR

NR

7%

11%

24%

18%

33%

NR

NR

91-180 days

25%

17%

28%

36%

24%

NR

NR

181-365 days

32%

67%

31%

23%

29%

NR

NR

greater than 365

36%

6%

17%

23%

14%

NR

NR

28

18

30

22

27

22

27

No

86%

78%

77%

73%

63%

55%

70%

Yes

14%

22%

23%

27%

37%

45%

30%

Expected Demand for Financing (%)

Projected Financing Next Year* (if no Capital Constraints)

n=

n=

Projected Total Financing Next Year (if no Capital Constraints) (MM) Projected Average Financing Next Year (if no Capital Constraints) (MM) Projected Additional Capital Needed Next Year

n=

Projected Total Capital Needed Next Year (MM) Projected Average Capital Needed Next Year (MM) Expected Change in Portfolio Quality (%)

n=

Deteriorate

Days Cash on Hand (%)

n=

0-90 days

Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

* Numbers reflect previous question which requested Projected Financing for Next Quarter

                                          Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

46 

Table V. Results for Trend Respondents, 4thQ08 – 2ndQ10 

      10Q2 All

Type

41

n=

41

Banks

2%

Credit Unions

2%

Loan Funds

95%

Venture Funds

Financing Sector

0%

n=

Business

41 22%

Commercial Real Estate

2%

Community Services

7%

Consumer

7%

Housing to Individuals

12%

Housing to Organizations

34%

Intermediary

0%

Microenterprise

12%

Multiple/Other

2%

Urban/Rural Market

n=

41

Equally Rural/Urban

27%

Primarily Rural

24%

Primarily Urban

49%

Region

n=

41

Midwest

24%

Northeast

27%

South*

32%

West

17%

Asset Size

n=

41

Assets > $50MM

41%

Assets between $10-50MM

34%

Assets < $10MM

24%

* Includes Puerto Rico.

            Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

47 

  Table V. Results for Trend Respondents, 4thQ08 – 2ndQ10, continued   10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

41

41

41

41

39

39

Decreased

20%

24%

34%

20%

15%

13%

Increased

59%

44%

34%

54%

59%

64%

No Change

22%

32%

32%

27%

26%

23%

40

41

39

41

NR

NR

Decreased

33%

24%

21%

24%

NR

NR

Increased

35%

44%

54%

63%

NR

NR

No Change

33%

32%

26%

12%

NR

NR

41

41

40

41

41

Number of Financing Applications Received (%)

Number of Financing Applications Received, Change from Previous Year (%)

Number of Loans/Investments Originated (%)

n=

n=

n=

41

Decreased

15%

56%

32%

23%

10%

34%

Increased

51%

27%

37%

53%

71%

41%

No Change

34%

17%

32%

25%

20%

24%

41

41

41

41

NR

NR

Decreased

37%

44%

29%

29%

NR

NR

Increased

41%

39%

46%

49%

NR

NR

No Change

22%

17%

24%

22%

NR

NR

35

36

35

39

37

36

Decreased

6%

11%

14%

13%

22%

25%

Increased

29%

14%

23%

23%

19%

28%

No Change

66%

75%

63%

64%

59%

47%

35

37

38

39

NR

NR

Decreased

17%

22%

24%

18%

NR

NR

Increased

43%

27%

29%

31%

NR

NR

No Change

40%

51%

47%

51%

NR

NR

40

41

41

41

40

41

Decreased

30%

24%

17%

24%

33%

34%

Increased

28%

29%

29%

41%

18%

34%

No Change

43%

46%

54%

34%

50%

32%

40

41

41

41

NR

NR

Decreased

25%

34%

24%

34%

NR

NR

Increased

38%

29%

44%

41%

NR

NR

38%

37%

32%

24%

NR

NR

41

41

41

41

41

41

Both

15%

27%

22%

27%

22%

29%

Debt

7%

5%

15%

17%

20%

17%

Number of Loans/Investments Originated, Change from Previous Year (%)

Ability to Access Capital (%)

Ability to Access Capital, Change from Previous Year (%)

Capital Liquidity (%)

Capital Liquidity, Change from Previous Year (%)

n=

n=

n=

n=

n=

No Change Capital-Constrained (%)

n=

Equity

15%

7%

24%

10%

7%

5%

Neither

63%

61%

39%

46%

51%

49%

40

40

41

41

41

41

Decreased

10%

15%

20%

10%

17%

15%

Increased

10%

8%

12%

10%

17%

27%

No Change

80%

78%

68%

80%

66%

59%

Average Cost of Borrowed Capital

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

48 

Table V. Results for Trend Respondents, 4thQ08 – 2ndQ10, continued 10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

26

26

26

NR

NR

NR

10.0%

8.6%

8.0%

NR

NR

NR

26

26

26

26

26

26

1.6%

1.5%

2.0%

2.1%

2.0%

3.5%

61-90 days

1.8%

1.2%

1.0%

1.1%

1.1%

2.8%

90+ days

4.1%

5.2%

4.2%

6.0%

6.1%

5.6%

Total

7.5%

7.9%

7.2%

9.2%

9.2%

11.8%

26

26

26

26

26

26

0.7%

0.4%

1.5%

1.0%

1.0%

0.3%

40

41

40

41

41

41

Decreased

20%

17%

20%

17%

17%

17%

Increased

53%

41%

33%

41%

34%

46%

No Change

28%

41%

48%

41%

49%

37%

41

41

41

41

41

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Average Net Charge-Offs (%)

n=

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

n=

n=

41

Decreased

44%

39%

32%

22%

32%

20%

Increased

34%

34%

44%

46%

37%

46%

No Change

22%

27%

24%

32%

32%

34%

41

41

41

NR

NR

Delinquency Rate, Change from Previous Year (%)

n=

41

Decreased

41%

32%

29%

27%

NR

NR

Increased

46%

44%

49%

49%

NR

NR

No Change

12%

24%

22%

24%

NR

NR

41

41

41

40

40

Number of Loans/Investments in Workout (%)

n=

40

Decreased

13%

17%

5%

15%

10%

10%

Increased

43%

41%

44%

39%

50%

53%

No Change

45%

41%

51%

46%

40%

38%

40

40

41

40

40

Number of Loans Given Term Extensions (%)

n=

41

Decreased

22%

20%

18%

15%

10%

10%

Increased

32%

25%

33%

22%

30%

33%

No Change

46%

55%

50%

63%

60%

58%

                                Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

49 

Table V. Results for Trend Respondents, 4thQ08 – 2ndQ10, continued 10Q2 Expected Demand for Financing (%)

09Q4

09Q3

09Q2

09Q1

40

41

41

41

40

41

Decrease

0%

2%

2%

0%

5%

2%

Increase

70%

76%

63%

66%

73%

63%

No Change

30%

22%

34%

34%

23%

34%

Expected Change in Portfolio Quality (%)

n=

10Q1

41

41

41

41

41

41

Deteriorate

10%

12%

20%

15%

15%

29%

Improve

27%

34%

20%

29%

27%

15%

No Change

63%

54%

61%

56%

59%

56%

Days Cash on Hand (#)

n=

39

40

39

40

NR

NR

0-90 days

18%

15%

13%

8%

NR

NR

91-180 days

23%

28%

23%

35%

NR

NR

181-365 days

26%

30%

33%

30%

NR

NR

greater than 365

33%

28%

31%

28%

NR

NR

40

41

40

40

41

40

No

75%

83%

80%

78%

73%

78%

Yes

25%

17%

20%

23%

27%

23%

Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

n=

                                                            Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

50 

Table VI.A Results by Asset Size for Trend Respondents: Large CDFIs, 1stQ09 – 2ndQtr10

  10Q2 All

Type

17

n=

17

Banks

6%

Credit Unions

6%

Loan Funds

88%

Venture Funds

Financing Sector

0%

n=

Business

17 12%

Commercial Real Estate

6%

Community Services

18%

Consumer

18%

Housing to Individuals

12%

Housing to Organizations

35%

Intermediary

0%

Microenterprise

0%

Multiple/Other

0%

Urban/Rural Market

n=

17

Equally Rural/Urban

24%

Primarily Rural

24%

Primarily Urban

53%

Region

n=

17

Midwest

24%

Northeast

35%

South*

24%

West

18%

Asset Size Assets > $50MM

n=

17 100%

Assets between $10-50MM

0%

Assets < $10MM

0%

* Includes Puerto Rico.

                  Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

51 

Table VI.A Results by Asset Size for Trend Respondents: Large CDFIs, 1stQ09 – 2ndQtr10, continued 10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

17

17

17

17

15

17

Decreased

12%

35%

24%

29%

20%

29%

Increased

76%

35%

47%

41%

47%

47%

No Change

12%

29%

29%

29%

33%

24%

Number of Financing Applications Received (%)

Number of Financing Applications Received, Change from Previous Year (%)

n=

17

17

16

17

NR

NR

Decreased

24%

29%

31%

41%

NR

NR

Increased

41%

41%

63%

41%

NR

NR

No Change

35%

29%

6%

18%

NR

NR

17

17

17

17

17

17

Decreased

6%

59%

24%

24%

0%

65%

Increased

71%

24%

47%

59%

76%

18%

No Change

24%

18%

29%

18%

24%

18%

Number of Loans/Investments Originated (%)

Number of Loans/Investments Originated, Change from Previous Year (%)

n=

n=

17

17

17

17

NR

NR

Decreased

41%

47%

41%

41%

NR

NR

Increased

47%

47%

47%

47%

NR

NR

No Change

12%

6%

12%

12%

NR

NR

Ability to Access Capital (%)

n=

15

16

15

16

15

16

Decreased

n=

7%

13%

7%

6%

27%

25%

Increased

33%

13%

33%

25%

20%

13%

60%

75%

60%

69%

53%

63%

16

16

15

16

NR

NR

Decreased

6%

13%

13%

13%

NR

NR

Increased

44%

25%

33%

31%

NR

NR

No Change

50%

63%

53%

56%

NR

NR

17

17

17

17

17

17

Decreased

29%

29%

12%

12%

24%

41%

Increased

6%

6%

41%

29%

24%

29%

65%

65%

47%

59%

53%

29%

17

17

17

17

NR

NR

Decreased

18%

29%

18%

29%

NR

NR

Increased

41%

24%

47%

35%

NR

NR

41%

47%

35%

35%

NR

NR

17

17

17

17

17

17

Both

12%

29%

24%

18%

24%

35%

Debt

12%

6%

6%

12%

18%

18%

Equity

12%

0%

24%

6%

0%

0%

Neither

65%

65%

47%

65%

59%

47%

16

16

17

17

17

17

13%

13%

24%

0%

12%

12%

Increased

6%

13%

24%

24%

24%

24%

No Change

81%

75%

53%

76%

65%

65%

No Change Ability to Access Capital, Change from Previous Year (%)

Capital Liquidity (%)

n=

n=

No Change Capital Liquidity, Change from Previous Year (%)

n=

No Change Capital-Constrained (%)

Average Cost of Borrowed Capital Decreased

n=

n=

  Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

52 

Table VI.A Results by Asset Size for Trend Respondents: Large CDFIs, 1stQ09 – 2ndQtr10, continued 10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

12

12

12

NR

NR

NR

7.8%

7.5%

8.0%

NR

NR

NR

12

12

12

12

12

12

1.7%

1.2%

2.3%

1.9%

2.8%

1.9%

61-90 days

1.6%

1.3%

1.3%

0.7%

1.0%

1.3%

90+ days

4.1%

4.4%

2.6%

5.0%

4.5%

3.8%

Total

7.4%

6.9%

6.2%

7.6%

8.3%

7.0%

12

12

12

12

12

12

0.3%

0.3%

1.2%

0.5%

0.4%

0.3%

17

17

17

19

17

17

Decreased

24%

12%

0%

16%

18%

29%

Increased

41%

29%

35%

47%

29%

35%

No Change

35%

59%

65%

26%

53%

35%

17

17

17

17

17

17

Decreased

35%

47%

29%

24%

24%

29%

Increased

41%

35%

47%

47%

47%

41%

No Change

24%

18%

24%

29%

29%

29%

17

17

17

17

NR

NR

Decreased

53%

35%

24%

24%

NR

NR

Increased

47%

47%

41%

65%

NR

NR

No Change

0%

18%

35%

12%

NR

NR

17

17

17

17

17

17

Decreased

12%

24%

0%

24%

24%

12%

Increased

41%

35%

47%

47%

47%

65%

No Change

47%

41%

53%

29%

29%

24%

17

16

16

17

17

17

Decreased

12%

19%

19%

18%

12%

6%

Increased

41%

31%

31%

24%

24%

24%

No Change

47%

50%

50%

59%

65%

71%

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Average Net Charge-Offs (%)

n=

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

n=

n=

n=

                              Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

53 

Table VI.A Results by Asset Size for Trend Respondents: Large CDFIs, 1stQ09 – 2ndQtr10, continued Expected Demand for Financing (%)

n=

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

17

17

17

17

17

17

Decrease

0%

0%

0%

0%

0%

0%

Increase

76%

82%

65%

41%

65%

53%

24%

18%

35%

59%

35%

47%

17

17

17

17

17

17

Deteriorate

18%

24%

29%

18%

29%

29%

Improve

24%

24%

12%

18%

18%

6%

No Change

59%

53%

59%

65%

53%

65%

No Change Expected Change in Portfolio Quality (%)

Days Cash on Hand (#)

n=

n=

16

16

17

16

NR

NR

6%

0%

0%

0%

NR

NR

91-180 days

25%

31%

24%

31%

NR

NR

181-365 days

31%

31%

35%

38%

NR

NR

38%

38%

41%

31%

NR

NR

0-90 days

greater than 365 Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

17

17

16

16

17

16

No

n=

76%

94%

88%

94%

82%

75%

Yes

24%

6%

13%

6%

18%

25%

                                                            Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

54 

Table VI.B Results by Asset Size for Trend Respondents: Medium CDFIs, 1stQ09 – 2ndQtr10 10Q2 All

Type

14

n=

Banks

0%

Credit Unions

0%

Loan Funds

100%

Venture Funds

Financing Sector

14

0%

n=

Business

14 43%

Commercial Real Estate

0%

Community Services

0%

Consumer

0%

Housing to Individuals

14%

Housing to Organizations

36%

Intermediary

0%

Microenterprise

7%

Multiple/Other

0%

Urban/Rural Market

n=

14

Equally Rural/Urban

21%

Primarily Rural

21%

Primarily Urban

57%

Region

n=

14

Midwest

21%

Northeast

21%

South*

36%

West

21%

Asset Size Assets > $50MM Assets between $10-50MM Assets < $10MM

n=

14 0% 100% 0%

* Includes Puerto Rico.

                  Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

55 

Table VI.B Results by Asset Size for Trend Respondents: Medium CDFIs, 1stQ09 – 2ndQtr10, continued 10Q2 Number of Financing Applications Received (%)

n=

14

10Q1

09Q4

09Q3

09Q2

09Q1

14

14

14

14

13

Decreased

21%

14%

36%

14%

7%

0%

Increased

57%

50%

36%

71%

57%

77%

No Change

21%

36%

29%

14%

36%

23%

Number of Financing Applications Received, Change from Previous Year (%)

14

14

14

14

NR

NR

Decreased

36%

14%

14%

7%

NR

NR

Increased

36%

57%

57%

86%

NR

NR

No Change

29%

29%

29%

7%

NR

NR

14

14

14

14

14

14

Decreased

21%

57%

36%

21%

7%

21%

Increased

36%

29%

29%

43%

71%

57%

No Change

43%

14%

36%

36%

21%

21%

Number of Loans/Investments Originated (%)

Number of Loans/Investments Originated, Change from Previous Year (%)

n=

n=

14

14

14

14

NR

NR

Decreased

29%

29%

29%

21%

NR

NR

Increased

43%

50%

43%

36%

NR

NR

No Change

29%

21%

29%

43%

NR

NR

Ability to Access Capital (%)

n=

12

11

11

13

12

12

Decreased

n=

8%

0%

18%

15%

17%

25%

Increased

33%

18%

18%

23%

17%

33%

58%

82%

64%

62%

67%

42%

12

11

13

13

NR

NR

Decreased

25%

18%

23%

8%

NR

NR

Increased

50%

36%

23%

38%

NR

NR

No Change

25%

45%

54%

54%

NR

NR

14

14

14

14

13

14

Decreased

43%

21%

29%

36%

23%

36%

Increased

43%

50%

29%

57%

15%

36%

14%

29%

43%

7%

62%

29%

14

14

14

14

NR

NR

Decreased

36%

36%

21%

43%

NR

NR

Increased

36%

36%

57%

50%

NR

NR

29%

29%

21%

7%

NR

NR

14

14

14

14

14

14

Both

21%

21%

21%

36%

7%

14%

Debt

7%

7%

14%

14%

21%

14%

Equity

14%

14%

29%

14%

14%

14%

Neither

57%

57%

36%

36%

57%

57%

14

14

14

14

14

14

Decreased

14%

21%

29%

14%

21%

21%

Increased

14%

7%

0%

0%

14%

29%

No Change

71%

71%

71%

86%

64%

50%

No Change Ability to Access Capital, Change from Previous Year (%)

Capital Liquidity (%)

n=

n=

No Change Capital Liquidity, Change from Previous Year (%)

n=

No Change Capital-Constrained (%)

Average Cost of Borrowed Capital

n=

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

56 

Table VI.B Results by Asset Size for Trend Respondents: Medium CDFIs, 1stQ09 – 2ndQtr10, continued 10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

10

10

10

NR

NR

NR

10.4%

7.8%

8.0%

NR

NR

NR

10

10

10

10

10

10

0.6%

0.9%

1.2%

1.1%

0.5%

2.2%

61-90 days

1.6%

0.7%

0.7%

0.5%

0.8%

2.4%

90+ days

2.7%

5.5%

6.9%

5.5%

5.1%

4.3%

Total

4.8%

7.1%

8.8%

7.1%

6.4%

8.8%

10

10

10

10

10

10

0.7%

0.3%

0.4%

0.7%

1.1%

0.3%

14

14

14

14

14

14

Decreased

29%

21%

36%

14%

21%

14%

Increased

64%

57%

29%

43%

29%

64%

No Change

7%

21%

36%

43%

50%

21%

14

14

14

14

14

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Average Net Charge-Offs (%)

n=

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

n=

n=

14

Decreased

57%

43%

29%

14%

50%

7%

Increased

21%

29%

50%

50%

21%

50%

No Change

21%

29%

21%

36%

29%

43%

14

14

14

NR

NR

Delinquency Rate, Change from Previous Year (%)

n=

14

Decreased

43%

29%

14%

29%

NR

NR

Increased

43%

36%

71%

36%

NR

NR

No Change

14%

36%

14%

36%

NR

NR

14

14

14

14

14

Number of Loans/Investments in Workout (%)

n=

13

Decreased

15%

21%

14%

0%

0%

0%

Increased

46%

50%

36%

29%

50%

43%

No Change

38%

29%

50%

71%

50%

57%

14

14

14

14

14

Number of Loans Given Term Extensions (%)

n=

14

Decreased

43%

29%

14%

21%

14%

14%

Increased

21%

29%

36%

7%

29%

36%

No Change

36%

43%

50%

71%

57%

50%

                              Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

57 

  Table VI.B Results by Asset Size for Trend Respondents: Medium CDFIs, 1stQ09 – 2ndQtr10, continued 10Q2 Expected Demand for Financing (%)

09Q4

09Q3

09Q2

09Q1

13

14

14

14

14

14

Decrease

0%

7%

7%

0%

0%

7%

Increase

77%

79%

50%

86%

86%

64%

No Change

23%

14%

43%

14%

14%

29%

14

14

14

14

14

14

Expected Change in Portfolio Quality (%)

n=

10Q1

n=

Deteriorate Improve No Change Days Cash on Hand (#)

n=

7%

7%

0%

14%

0%

36%

21%

21%

21%

43%

29%

14%

71%

71%

79%

43%

71%

50%

14

13

14

NR

NR

14

0-90 days

14%

14%

15%

14%

NR

NR

91-180 days

21%

29%

15%

21%

NR

NR

181-365 days

29%

36%

46%

36%

NR

NR

36%

21%

23%

29%

NR

NR

14

14

14

14

14

14

No

71%

71%

79%

64%

64%

79%

Yes

29%

29%

21%

36%

36%

21%

greater than 365 Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

                                                            Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

58 

Table VI.C Results by Asset Size for Trend Respondents: Small CDFIs, 1stQ09 – 2ndQtr10 10Q2 All

Type

10

n=

Banks

0%

Credit Unions

0%

Loan Funds

100%

Venture Funds

Financing Sector

10

0%

n=

Business

10 10%

Commercial Real Estate

0%

Community Services

0%

Consumer

0%

Housing to Individuals

10%

Housing to Organizations

30%

Intermediary

0%

Microenterprise

40%

Multiple/Other

10%

Urban/Rural Market

n=

10

Equally Rural/Urban

40%

Primarily Rural

30%

Primarily Urban

30%

Region

n=

10

Midwest

30%

Northeast

20%

South*

40%

West

10%

Asset Size

n=

10

Assets > $50MM

0%

Assets between $10-50MM

0%

Assets < $10MM

100%

* Includes Puerto Rico.

                  Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

59 

Table VI.C Results by Asset Size for Trend Respondents: Small CDFIs, 1stQ09 – 2ndQtr10, continued 10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

10

10

10

10

10

9

Decreased

30%

20%

50%

10%

20%

0%

Increased

30%

50%

10%

50%

80%

78%

No Change

40%

30%

40%

40%

0%

22%

Number of Financing Applications Received (%)

Number of Financing Applications Received, Change from Previous Year (%)

n=

10

9

10

NR

NR

Decreased

44%

30%

11%

20%

NR

NR

Increased

22%

30%

33%

70%

NR

NR

No Change

33%

40%

56%

10%

NR

NR

10

10

9

10

10

Number of Loans/Investments Originated (%)

n=

n=

9

10

Decreased

20%

50%

40%

22%

30%

0%

Increased

40%

30%

30%

56%

60%

60%

No Change

40%

20%

30%

22%

10%

40%

Number of Loans/Investments Originated, Change from Previous Year (%)

10

10

10

NR

NR

Decreased

n=

40%

60%

10%

20%

NR

NR

Increased

30%

10%

50%

70%

NR

NR

30%

30%

40%

10%

NR

NR

8

9

9

10

10

8

Decreased

0%

22%

22%

20%

20%

25%

Increased

13%

11%

11%

20%

20%

50%

88%

67%

67%

60%

60%

25%

7

10

10

10

NR

NR

Decreased

29%

40%

40%

40%

NR

NR

Increased

29%

20%

30%

20%

NR

NR

No Change

43%

40%

30%

40%

NR

NR

9

10

10

10

10

10

Decreased

11%

20%

10%

30%

60%

20%

Increased

44%

40%

10%

40%

10%

40%

No Change

44%

40%

80%

30%

30%

40%

9

10

10

10

NR

NR

Decreased

22%

40%

40%

30%

NR

NR

Increased

33%

30%

20%

40%

NR

NR

No Change

44%

30%

40%

30%

NR

NR

10

10

10

10

10

10

Both

10%

30%

20%

30%

40%

40%

Debt

0%

0%

30%

30%

20%

20%

Equity

20%

10%

20%

10%

10%

0%

Neither

70%

60%

30%

30%

30%

40%

No Change Ability to Access Capital (%)

n=

No Change Ability to Access Capital, Change from Previous Year (%)

Capital Liquidity (%)

Capital Liquidity, Change from Previous Year (%)

Capital-Constrained (%)

Average Cost of Borrowed Capital

n=

n=

n=

n=

n=

10

10

10

10

10

10

10

Decreased

0%

10%

0%

20%

20%

10%

Increased

10%

0%

10%

0%

10%

30%

No Change

90%

90%

90%

80%

70%

60%

    Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

60 

Table VI.C Results by Asset Size for Trend Respondents: Small CDFIs, 1stQ09 – 2ndQtr10, continued 10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

4

4

4

NR

NR

NR

15.8%

14.1%

7.0%

NR

NR

NR

4

4

4

4

4

4

3.9%

3.9%

3.0%

5.2%

3.4%

11.4%

61-90 days

3.0%

2.1%

0.6%

3.6%

2.3%

8.2%

90+ days

7.5%

6.9%

2.5%

10.3%

13.3%

14.1%

14.4%

13.0%

6.1%

19.1%

19.0%

33.7%

4

4

4

4

4

4

1.8%

0.9%

5.3%

3.2%

2.5%

0.3%

9

10

9

10

10

10

Decreased

0%

20%

33%

20%

10%

0%

Increased

56%

40%

33%

20%

50%

40%

No Change

44%

40%

33%

60%

40%

60%

10

10

10

10

10

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Total Average Net Charge-Offs (%)

n=

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

n=

n=

10

Decreased

40%

20%

40%

30%

20%

20%

Increased

40%

40%

30%

40%

40%

50%

No Change

20%

40%

30%

30%

40%

30%

10

10

10

NR

NR

Delinquency Rate, Change from Previous Year (%)

n=

10

Decreased

20%

30%

60%

30%

NR

NR

Increased

50%

50%

30%

40%

NR

NR

No Change

30%

20%

10%

30%

NR

NR

10

10

10

10

9

9

Decreased

10%

0%

0%

20%

0%

22%

Increased

40%

40%

50%

40%

56%

44%

No Change

50%

60%

50%

40%

44%

33%

10

10

10

9

9

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

10

Decreased

10%

10%

20%

0%

0%

11%

Increased

30%

10%

30%

40%

44%

44%

No Change

60%

80%

50%

60%

56%

44%

                                Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

61 

Table VI.C Results by Asset Size for Trend Respondents: Small CDFIs, 1stQ09 – 2ndQtr10, continued 10Q2 Expected Demand for Financing (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

10

10

10

9

10

10

Decrease

0%

0%

0%

0%

22%

0%

Increase

50%

60%

80%

80%

67%

80%

50%

40%

20%

20%

11%

20%

10

10

10

10

10

No Change Expected Change in Portfolio Quality (%)

n=

Deteriorate

10 0%

0%

30%

10%

10%

20%

Improve

40%

70%

30%

30%

40%

30%

No Change

60%

30%

40%

60%

50%

50%

Days Cash on Hand (#)

10

9

10

NR

NR

0-90 days

44%

40%

33%

10%

NR

NR

91-180 days

22%

20%

33%

60%

NR

NR

181-365 days

11%

20%

11%

10%

NR

NR

22%

20%

22%

20%

NR

NR

greater than 365 Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

n=

9

9

10

10

10

10

10

No

78%

80%

70%

70%

70%

80%

Yes

22%

20%

30%

30%

30%

20%

                                                              Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

62 

Table VII.A. Results by Financing Sector for Trend Respondents: Business CDFIs, 1stQ09 – 2ndQtr10 10Q2 All

Type

9

n=

9

Banks

0%

Credit Unions

0%

Loan Funds

100%

Venture Funds

Financing Sector

0%

n=

Business

9 100%

Commercial Real Estate

0%

Community Services

0%

Consumer

0%

Housing to Individuals

0%

Housing to Organizations

0%

Intermediary

0%

Microenterprise

0%

Multiple/Other

0%

Urban/Rural Market

n=

9

Equally Rural/Urban

33%

Primarily Rural

33%

Primarily Urban

33%

Region

n=

9

Midwest

22%

Northeast

44%

South*

22%

West

11%

Asset Size

n=

9

Assets > $50MM

22%

Assets between $10-50MM

67%

Assets < $10MM

11%

* Includes Puerto Rico.

                Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

63 

Table VII.A. Results by Financing Sector for Trend Respondents: Business CDFIs, 1stQ09 – 2ndQtr10, continued 10Q2 Number of Financing Applications Received (%)

n=

9

10Q1

09Q4

09Q3

09Q2

09Q1

9

9

9

9

9

Decreased

22%

22%

33%

22%

22%

11%

Increased

33%

44%

22%

67%

44%

56%

No Change

44%

33%

44%

11%

33%

33%

Number of Financing Applications Received, Change from Previous Year (%)

9

8

9

NR

NR

Decreased

38%

11%

13%

11%

NR

NR

Increased

13%

44%

63%

78%

NR

NR

No Change

50%

44%

25%

11%

NR

NR

9

9

9

9

9

Number of Loans/Investments Originated (%)

n=

n=

8

9

Decreased

11%

44%

44%

33%

11%

22%

Increased

33%

33%

11%

22%

78%

78%

No Change

56%

22%

44%

44%

11%

0%

Number of Loans/Investments Originated, Change from Previous Year (%)

9

9

9

NR

NR

Decreased

44%

44%

56%

33%

NR

NR

Increased

44%

44%

44%

22%

NR

NR

No Change

11%

11%

0%

44%

NR

NR

Ability to Access Capital (%)

n=

8

7

8

8

9

8

Decreased

0%

0%

13%

0%

33%

50%

Increased

38%

14%

13%

13%

11%

0%

63% 8

86% 7

75% 9

88% 8

56% NR

50% NR

Decreased

13%

29%

33%

13%

NR

NR

Increased

50%

29%

11%

13%

NR

NR

No Change

38%

43%

56%

75%

NR

NR

9

9

9

9

9

9

Decreased

11%

11%

22%

22%

11%

67%

Increased

67%

44%

22%

67%

33%

11%

No Change

22%

44%

56%

11%

56%

22%

9

9

9

9

NR

NR

Decreased

11%

33%

22%

44%

NR

NR

Increased

56%

22%

33%

44%

NR

NR

33%

44%

44%

11%

NR

NR

9

9

9

9

9

9

Both

11%

33%

33%

44%

44%

56%

Debt

0%

0%

0%

11%

0%

11%

Equity

33%

11%

56%

11%

11%

0%

Neither

56%

56%

11%

33%

44%

33%

9

9

9

9

9

9

Decreased

11%

11%

11%

11%

0%

11%

Increased

22%

11%

0%

0%

33%

44%

No Change

67%

78%

89%

89%

67%

44%

No Change Ability to Access Capital, Change from Previous Year (%)

Capital Liquidity (%)

Capital Liquidity, Change from Previous Year (%)

n=

9

n=

n=

n=

No Change Capital-Constrained (%)

Average Cost of Borrowed Capital

n=

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

64 

Table VII.A. Results by Financing Sector for Trend Respondents: Business CDFIs, 1stQ09 – 2ndQtr10, continued 10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

7

7

7

NR

NR

NR

10.5%

9.0%

9.0%

NR

NR

NR

7

7

7

7

7

7

0.9%

1.4%

1.2%

1.6%

0.6%

2.1%

61-90 days

1.4%

0.8%

0.6%

1.3%

1.5%

1.7%

90+ days

3.2%

3.6%

3.4%

3.1%

3.3%

3.2%

Total

5.5%

5.8%

5.2%

6.0%

5.4%

7.0%

7

7

7

7

7

7

0.8%

0.5%

0.4%

1.1%

1.6%

0.2%

9

9

9

9

9

9

Decreased

22%

0%

22%

22%

33%

22%

Increased

78%

78%

44%

56%

33%

67%

No Change

0%

22%

33%

22%

33%

11%

9

9

9

9

9

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Average Net Charge-Offs (%)

n=

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

n=

n=

9

Decreased

33%

11%

11%

11%

44%

0%

Increased

33%

44%

56%

56%

33%

44%

No Change

33%

44%

33%

33%

22%

56%

9

9

9

NR

NR

Delinquency Rate, Change from Previous Year (%)

n=

9

Decreased

22%

11%

11%

44%

NR

NR

Increased

56%

67%

56%

22%

NR

NR

No Change

22%

22%

33%

33%

NR

NR

9

9

9

9

9

Number of Loans/Investments in Workout (%)

n=

9

Decreased

22%

22%

0%

0%

0%

0%

Increased

56%

78%

67%

33%

67%

56%

No Change

22%

0%

33%

67%

33%

44%

9

9

9

9

9

Number of Loans Given Term Extensions (%)

n=

9

Decreased

33%

11%

22%

0%

0%

0%

Increased

33%

33%

33%

11%

33%

56%

No Change

33%

56%

44%

89%

67%

44%

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

65 

Table VII.A. Results by Financing Sector for Trend Respondents: Business CDFIs, 1stQ09 – 2ndQtr10, continued 10Q2 Expected Demand for Financing (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

9

9

9

9

9

9

Decrease

0%

0%

0%

0%

0%

0%

Increase

67%

89%

67%

78%

100%

67%

33%

11%

33%

22%

0%

33%

9

9

9

9

9 56%

No Change Expected Change in Portfolio Quality (%)

n=

9

Deteriorate

22%

22%

33%

22%

11%

Improve

11%

22%

0%

0%

11%

0%

No Change

67%

56%

67%

78%

78%

44%

Days Cash on Hand (#)

9

9

9

9

NR

NR

0-90 days

33%

22%

22%

0%

NR

NR

91-180 days

22%

44%

22%

33%

NR

NR

181-365 days

11%

11%

33%

44%

NR

NR

33%

22%

22%

22%

NR

NR

greater than 365 Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

9

9

8

9

9

9

No

n=

89%

89%

88%

89%

78%

67%

Yes

11%

11%

13%

11%

22%

33%

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

66 

Table VII.B. Results by Financing Sector for Trend Respondents: Housing to Organizations CDFIs, 1stQ09 – 2ndQtr10 10Q2 All

Type

14

n=

14

Banks

0%

Credit Unions

0%

Loan Funds

100%

Venture Funds

Financing Sector

0%

n=

14

Business

0%

Commercial Real Estate

0%

Community Services

0%

Consumer

0%

Housing to Individuals

0%

Housing to Organizations

100%

Intermediary

0%

Microenterprise

0%

Multiple/Other

0%

Urban/Rural Market

n=

14

Equally Rural/Urban

21%

Primarily Rural

29%

Primarily Urban

50%

Region

n=

14

Midwest

14%

Northeast

36%

South*

29%

West

21%

Asset Size

n=

14

Assets > $50MM

43%

Assets between $10-50MM

36%

Assets < $10MM

21%

* Includes Puerto Rico.

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

67 

Table VII.B. Results by Financing Sector for Trend Respondents: Housing to Organizations CDFIs, 1stQ09 – 2ndQtr10, continued 10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

14

14

14

14

12

13

Decreased

0%

29%

36%

43%

25%

23%

Increased

79%

36%

36%

29%

42%

62%

No Change

21%

36%

29%

29%

33%

15%

Number of Financing Applications Received (%)

Number of Financing Applications Received, Change from Previous Year (%)

n=

14

14

14

14

NR

NR

Decreased

29%

36%

21%

50%

NR

NR

Increased

36%

43%

50%

29%

NR

NR

No Change

36%

21%

29%

21%

NR

NR

14

14

14

14

14

14

Decreased

7%

64%

43%

36%

7%

50%

Increased

57%

21%

43%

50%

71%

21%

No Change

36%

14%

14%

14%

21%

29%

Number of Loans/Investments Originated (%)

Number of Loans/Investments Originated, Change from Previous Year (%)

n=

n=

14

14

14

14

NR

NR

Decreased

29%

36%

29%

57%

NR

NR

Increased

36%

50%

43%

21%

NR

NR

No Change

36%

14%

29%

21%

NR

NR

Ability to Access Capital (%)

n=

12

13

13

13

12

13

Decreased

8%

8%

23%

15%

17%

31%

Increased

33%

15%

46%

31%

25%

38%

No Change

58%

77%

31%

54%

58%

31%

12

13

13

13

NR

NR

Decreased

25%

15%

31%

15%

NR

NR

Increased

50%

38%

46%

38%

NR

NR

No Change

25%

46%

23%

46%

NR

NR

Ability to Access Capital, Change from Previous Year (%)

Capital Liquidity (%)

n=

n=

14

14

14

14

14

14

Decreased

57%

36%

21%

29%

43%

29%

Increased

7%

50%

36%

43%

7%

57%

No Change

36%

14%

43%

29%

50%

14%

Capital Liquidity, Change from Previous Year (%)

n=

14

14

14

14

NR

NR

Decreased

36%

36%

36%

36%

NR

NR

Increased

50%

50%

50%

50%

NR

NR

No Change

14%

14%

14%

14%

NR

NR

Capital-Constrained (%)

n=

14

14

14

14

14

14

Both

n=

21%

29%

21%

21%

21%

36%

Debt

7%

7%

14%

21%

36%

21%

Equity

0%

0%

7%

14%

0%

0%

71%

64%

57%

43%

43%

43%

14

14

14

14

14

14

Decreased

14%

21%

21%

21%

29%

21%

Increased

7%

14%

21%

14%

21%

29%

No Change

79%

64%

57%

64%

50%

50%

Neither Average Cost of Borrowed Capital

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

68 

Table VII.B. Results by Financing Sector for Trend Respondents: Housing to Organizations CDFIs, 1stQ09 – 2ndQtr10, continued 10Q2 Average Loan Loss Reserve (%)

n=

10Q1

09Q4

09Q3

09Q2

09Q1

9

9

9

NR

NR

NR

9.9%

8.7%

9.0%

NR

NR

NR

9

9

9

9

9

9

1.1%

0.7%

1.7%

1.6%

2.2%

2.7%

61-90 days

2.3%

1.0%

1.3%

0.2%

0.8%

2.8%

90+ days

3.5%

6.8%

7.5%

7.8%

7.6%

6.3%

Total

6.9%

8.4%

10.5%

9.6%

10.6%

11.8%

9

9

9

9

9

9

0.1%

0.1%

1.3%

0.1%

0.7%

0.3%

14

14

14

14

14

14

Decreased

36%

36%

29%

21%

21%

21%

Increased

43%

36%

36%

43%

29%

43%

No Change

21%

29%

36%

36%

50%

36%

14

14

14

14

14

14

Decreased

50%

50%

36%

29%

43%

14%

Increased

21%

21%

43%

21%

14%

50%

No Change

29%

29%

21%

50%

43%

36%

14

14

14

14

NR

NR

Decreased

57%

43%

36%

36%

NR

NR

Increased

29%

21%

50%

29%

NR

NR

No Change

14%

36%

14%

36%

NR

NR

13

14

14

14

14

14

Decreased

23%

21%

14%

29%

14%

14%

Increased

38%

21%

36%

21%

36%

50%

No Change

38%

57%

50%

50%

50%

36%

14

14

14

14

14

14

Decreased

29%

29%

29%

43%

21%

29%

Increased

29%

29%

36%

29%

57%

36%

No Change

43%

43%

36%

29%

21%

36%

Loan Loss Reserve Average Portfolio-at-Risk

n=

31-60 days

Average Net Charge-Offs (%)

n=

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

n=

n=

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

69 

Table VII.B. Results by Financing Sector for Trend Respondents: Housing to Organizations CDFIs, 1stQ09 – 2ndQtr10, continued 10Q2 Expected Demand for Financing (%)

09Q4

09Q3

09Q2

09Q1

13

14

14

14

14

14

Decrease

0%

0%

7%

0%

7%

7%

Increase

77%

57%

71%

64%

50%

64%

No Change

23%

43%

21%

36%

43%

29%

14

14

14

14

14

14

Expected Change in Portfolio Quality (%)

n=

10Q1

n=

Deteriorate

0%

7%

14%

14%

0%

21%

14%

36%

36%

36%

36%

14%

86%

57%

50%

50%

64%

64%

14

13

13

13

NR

NR

0-90 days

7%

8%

8%

8%

NR

NR

91-180 days

0%

8%

8%

15%

NR

NR

181-365 days

43%

46%

46%

31%

NR

NR

50%

38%

38%

46%

NR

NR

14

14

14

14

14

13

No

71%

79%

86%

64%

71%

77%

Yes

29%

21%

14%

36%

29%

23%

Improve No Change Days Cash on Hand (#)

greater than 365 Anticipate a Decline in Unrestricted Net Assets in Current FY (%)

n=

n=

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

70 

Appendices Appendix I. Methodology and Changes in Survey Questionnaire over Time A. Methodology OFN distributed the online survey to more than 500 CDFIs. A total of 124 CDFIs responded to the survey between July 19 and August 6, 2010. OFN contacted respondents to clarify responses and provided additional data when necessary. Portfolio Quality: We analyzed portfolio quality (portfolio at risk and net charge offs) in two ways. As in previous quarterly surveys, we analyzed the average per respondent. This methodology weighs each CDFI equally regardless of size. We also analyzed the portfolio quality of the respondents as a whole. This method, referred to as the CDFI industry portfolio quality, gives greater weight to larger CDFIs and lesser weight to smaller CDFIs. The calculations use the sample’s aggregate dollars of loans outstanding, net charge-offs, and portfolio at risk to calculate the net charge-off rate and the portfolio at risk rate. In addition to the CDFI industry portfolio quality analysis, we annualized the quarterly net charge-off amounts in the industry analysis using the FDIC Quarterly Banking Profile methodology as follows: •

• •

For the denominator in each ratio (loans outstanding), the FDIC uses a rolling average based on a maximum of 5 quarters. The averages for each quarter are: 1st Q = average (4thQ previous year, 1stQ); 2nd Q = average (4thQ previous year, 1stQ, 2ndQ); 3rd Q = average (4thQ previous year, 1stQ, 2ndQ, 3rdQ); and 4th Q = average (4thQ previous year, 1stQ, 2ndQ, 3rdQ, 4thQ). For the numerator, sum the dollar amounts from the first quarter through the current quarter. For the first quarter, divide by .25, for the second quarter divide by .5, for the third quarter divide by .75.

Extreme Values and Outliers: We define extreme values as data points that vary widely from the mean but do not skew the results. We define statistical outliers as data points that vary so widely from the mean that they skew the results. We did not identify any outliers that were significantly skewing the results in this quarter. All statistics collected in the survey are reported in the Market Conditions Report for this quarter.

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

71 

B. Changes in Survey Questionnaire Over Time In the second quarter 2010, we reorganized the questions in the survey instrument into five sections to facilitate the process of filling out the survey for our CDFI participants: • • • • •

PART PART PART PART PART

I. II. III. IV. V.

DEMAND FOR FINANCING CAPITALIZATION AND LIQUIDITY FINANCIAL AND PORTFOLIO DATA MARKET OUTLOOK ORGANIZATION INFORMATION

Survey questions which request information on changes over the previous quarter versus changes over the previous year were categorized separately in subsections under Parts I through IV and the number of questions was reduced. Changes to Survey Questions Financial and Portfolio Information – We clarified financial and portfolio information should be provided for on-balance sheet data only. Nonaccruals – We added this question in 1stQ 2009. Restructures – We added this question in 1stQ 2009. Intermediaries – We added Intermediaries as one of the primary financing types in 1stQ 2009. Lessons Learned Since the Start of the Economic and Credit Crunch – We added this question in 1stQ 2009. Number of Employees at Businesses Financed – We added this question in 1stQ 2009. Capital Shortfall During the Quarter – We added this question in 1stQ 2009. Estimated Originations in the Coming Quarter if Your CDFI Did Not Have Capital Constraints – We added this question in 1stQ 2009. Fiscal Year End – We added this question in 4thQ 2009. $ Loan Loss Reserve (cash + accounting reserves) – We added this question in 4thQ 2009 If the number of originations is not keeping pace with the increase in financing applications received, please explain why – In the 4thQ 2009 we added a new response option “capital liquidity.” Change Over Year – In 3rdQ 2009, we added five questions on changes over the previous year (financing applications received, originations, delinquency, access to capital, and capital liquidity). What steps has your CDFI taken to date in response to capital liquidity or operating difficulties? - In the 1stQ 2009 we changed this question to “What steps has your CDFI taken since the start of the economic downturn and credit crunch in response to capital liquidity or operating difficulties?” For the 4thQ 2008 survey, asset size is Asset Size – We began collecting asset size in the 1stQ 2009 survey. estimated based on portfolio outstanding and the industry average ratio of portfolio outstanding to total assets. For 3rdQ 2008, asset size is not estimated.

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

72 

Days of Operating Cash on Hand – In the 1stQ 2009 we changed the follow up question to “If you have 0-90 days of operating cash, what are the implications for your organization?” Charge-offs – We began collecting charge-offs in 4thQ 2008. Charge-offs are gross in 4thQ 2008; they are net of recoveries in the following quarters. Expected Change in Portfolio Quality – The 4thQ 2008 responses add up to more than 100% because respondents were allowed to provide multiple responses.

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

73 

Appendix II. List of CDFIs Participating in the OFN Market Conditions Surveys A. All Respondents, 2ndQtr10 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58

Organization Name ACCION New Mexico-Arizona-Colorado ACCION Texas Louisiana ACCION USA Allegany Community Development Services, Inc. Alternatives Federal Credit Union Appalachian Community Enterprises, Inc. Arcata Economic Development Corporation Baltimore Community Lending BOC Capital Corporation Boston Community Capital, Inc. Calvert Social Investment Foundation Canaan Credit Union Charleston Citywide Local Development Corporation (LDC) Chicago Community Loan Fund Chicago Community Ventures Cincinnati Development Fund Citizen Potawatomi Community Development Corporation Clearinghouse Community Development Financial Institution Coastal Enterprises, Inc. Community Assets for People LLC Community Capital Development Corporation Community Capital Fund, Inc. Community Development Venture Capital Alliance (CDVCA) Community First Fund COMMUNITY INVESTMENT CORPORATION Community Redevelopment Loan & Investment Fund, Inc. (CRLIF) Community Reinvestment Fund USA, Inc Cooperative Business Assistance Corporation Cooperative Fund of New England, Inc. Corporation for Supportive Housing Economic and Community Development Institute El Paso Collaborative for Community and Economic Development Elizabeth Development Company Enterprise Community Loan Fund, Inc. Federation of Appalachian Housing Enterprises, Inc. (FAHE) First State Community Loan Fund Florida Community Loan Fund, Inc. Funding Partners for Housing Solutions GECU Genesis Community Loan Fund GREATER BERKS DEVELOPMENT FUND Greater Minnesota Housing Fund Grow America Fund, Inc Grow Iowa Foundation HomeSight Homewise, Inc. HOPE Community Credit Union Housing Assistance Council, Inc. Housing Partnership Network, Inc. Howland-Enfield Federal CU Illinois Facilities Fund (IFF) Indian Land Capital Company Initiative Foundation Institute for Community Economics (Revolving Loan Fund), Inc. Kentucky Highlands Investment Corporation Kootemai Valley Federal Credit Union Leviticus 25:23 Alternative Fund, Inc. Local Initiatives Support Corporation

Asset Group Small Medium Medium Small Large Small Small Medium Small Large Large Small Small Medium Small Large Medium Large Large Medium Medium Medium Small Medium Large Small Large Medium Small Large Small Small Medium Large Medium Small Medium Medium Large Small Medium Large Large Small Large Medium Large Large Small Small Large Small Medium Small Large Small Medium Large

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

Primary Type of Financing Microenterprise Microenterprise Microenterprise Consumer Housing to Individuals Microenterprise Business Housing to Organizations Microenterprise Housing to Organizations Intermediary Consumer Business Housing to Organizations Business Housing to Organizations Business Housing to Organizations Business Business Business Housing to Organizations Intermediary Business Commercial Real Estate Housing to Organizations Business Business Business Housing to Organizations Microenterprise Consumer Housing to Organizations Housing to Organizations Housing to Individuals Business Housing to Organizations Housing to Individuals Consumer Housing to Organizations Business Housing to Organizations Business Business Housing to Individuals Housing to Individuals Consumer Housing to Organizations Housing to Organizations Consumer Community Services/Facilities Other Business Housing to Organizations Business Consumer Housing to Organizations Housing to Organizations

Region West South Northeast Northeast Northeast South West South Northeast Northeast South Midwest South Midwest Midwest Midwest South West Northeast Midwest West Northeast Northeast Northeast Midwest South Midwest Northeast South Northeast Midwest South Northeast South South South South West South Northeast Northeast Midwest Northeast Midwest West West South South Northeast Northeast Midwest Midwest Midwest South South West Northeast Northeast

74 

Appendix II. List of CDFIs Participating in the OFN Market Conditions Surveys A. All Respondents, 2ndQtr10, continued 59 60 61 62 63 64 65 66 67 68

Organization Name Los Angeles LDC, Inc. Low Income Investment Fund Lumbee Revitalization & Community Development, Inc. MACED Strategic Capital Fund Maui Enterprise Opportunity (MEO) Business Development Corporation Midwest Housing Development Fund, Inc. Mile High Community Loan Fund Montana Community Development Corporation National Housing Trust Community Development Fund NCALL Research, Inc.

Asset Group Small Large Small Medium Small Small Medium Medium Small Small

69 70 71 72 73 74 75 76

NCB Capital Impact NCP Community Development Federal Credit Union Nehemiah Community Reinvestment Fund, Inc. Neighborhood Housing Services of Chicago & Neighborhood Lending Services Neighborhood Housing Services of New York City Inc. Neighborhood Housing Services, Inc. NeighborWorks Capital New Hampshire Community Loan Fund, Inc.

Large Small Medium Medium Medium Small Medium Large

77 78 79

New Jersey Community Loan Fund New Mexico Community capital New Mexico Community Development Loan Fund, The

Medium Small Medium

80

Nonprofit Finance Fund

Large

81 82 83 84 85 86 87 88 89 90 91 92

Nonprofits Assistance fund North Carolina Community Development Initiative Capital Inc. Northeast Entrepreneur Fund, Inc. Northeast South Dakota Economic Corporation (NESDEC) Northern California Community Loan Fund Northern Economic Initiatives Corporation d/b/a Northern Initiatives NORTHLAND FOUNDATION Northwest Ohio Development Agency Opportunities Credit Union Partners for the Common Good PathStone Enterprise Center, Inc. Pine Mountain Community Development Corporation

Medium Small Small Medium Medium Small Medium Small Medium Medium Small Small

Primary Care Development Corporation Reinvestment Fund, Inc., The (TRF) Rising Tide Community Loan Fund Rural Community Assistance Corporation Rural Electric Economic Development, Inc. Salt River Financial Services Institution San Juan NHS Corp. San Luis Obispo County Housing Trust Fund Seedco Financial Services, Inc. Self-Help Ventures Fund ShoreBank Corporation ShoreBank Enterprise Cascadia ShoreBank Enterprise Detroit (SED) ShoreBank Enterprise Group, Cleveland Siouxland Economic Development Corporation Southern Bancorp, Inc. Southern Mutual Financial Services, Inc. Spokane Neighborhood Economic Development Alliance Syracuse Cooperative Federal Credit Union TELACU Community Capital Texas Mezzanine Fund, Inc. The Lakota Funds

Large Large Small Large Medium Medium Small Small Large Large Large Medium Medium Medium Small Large Small Small Medium Small Medium Small

93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

Primary Type of Financing Commercial Real Estate Housing to Organizations Microenterprise Business Microenterprise Housing to Organizations Housing to Organizations Business Housing to Organizations Housing to Organizations Community Services/Facilities Consumer Housing to Organizations Housing to Individuals Housing to Individuals Housing to Individuals Housing to Organizations Housing to Organizations Community Services/Facilities Business Business Community Services/Facilities Community Services/Facilities Housing to Organizations Microenterprise Business Housing to Organizations Business Business Housing to Individuals Housing to Individuals Housing to Organizations Business Business Community Services/Facilities Commercial Real Estate Microenterprise Housing to Organizations Business Housing to Individuals Housing to Individuals Housing to Organizations Business Housing to Individuals Housing to Organizations Business Housing to Organizations Business Microenterprise Consumer Housing to Individuals Microenterprise Housing to Individuals Commercial Real Estate Business Microenterprise

Region West West South South West Midwest West West South South South South West Midwest Northeast West South Northeast

West West Northeast Midwest South Midwest West West Midwest Midwest Midwest Northeast South Northeast South Northeast Northeast Northeast West Midwest West South West Northeast South Midwest West Midwest Midwest Midwest South South West West South Midwest

75 

Appendix II. List of CDFIs Participating in the OFN Market Conditions Surveys A. All Respondents, 2ndQtr10, continued 115 116 117 118 119 120 121 122 123 124

Organization Name The Network for Oregon Affordable Housing (NOAH) Utah Microenterprise Loan Fund (UMLF) Vermont Community Loan Fund, Inc. Washington Community Alliance for Self-Help (CASH) Ways to Work, Inc. WCHR Securities, Inc. Western Massachusetts Enterprise Fund, Inc. Wisconsin Women's Business Initiatives Corporation Women's Economic Self-Sufficiency Team (WESST Corp.) YouthBuild Loan Fund, Inc.

Asset Group Large Small Medium Small Large Small Small Small Small Small

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

Primary Type of Financing Housing to Organizations Microenterprise Housing to Organizations Microenterprise Consumer Housing to Individuals Business Microenterprise Microenterprise Business

Region West West Northeast West Midwest Northeast Northeast Midwest West Northeast

76 

Appendix II. List of CDFIs Participating in the OFN Market Conditions Surveys B. Trend Sample, 1stQ09 – 2ndQtr10 Organization Name

Asset Group

Primary Type of Financing

Region

1

ACCION New Mexico-Arizona-Colorado

Small

Microenterprise

West

2

ACCION Texas Inc

Medium

Microenterprise

South

3

Appalachian Community Enterprises, Inc.

Small

Microenterprise

South

4

Baltimore Community Lending

Medium

Housing to Organizations

South

5

Boston Community Capital, Inc.

Large

Housing to Organizations

Northeast

6

Chicago Community Loan Fund Citizen Potawatomi Community Development Corporation

Medium

Housing to Organizations

Midwest

Medium

Business

South

8

Coastal Enterprises, Inc.

Large

Business

Northeast

9

Community First Fund

Medium

Business

Northeast

7

10

Community Investment Corporation

Large

Commercial Real Estate

Midwest

11

Community Reinvestment Fund USA, Inc

Large

Business

Midwest Northeast

12

Cooperative Business Assistance Corporation

Medium

Business

13

Corporation for Supportive Housing

Large

Housing to Organizations

Northeast

14

HomeSight

Large

Housing to Individuals

West

15

Homewise, Inc.

Medium

Housing to Individuals

West

16

Hope Community Credit Union

Large

Consumer

South

17

Illinois Facilities Fund (IFF)

Large

Community Services/Facilities

Midwest

18

Indian Land Capital Company

Small

Other

Midwest

19

Local Initiatives Support Corporation

Large

Housing to Organizations

Northeast

20

Low Income Investment Fund

Large

Housing to Organizations

West

21

Small

Housing to Organizations

Midwest

22

Midwest Housing Development Fund, Inc. National Housing Trust Community Development Fund

Small

Housing to Organizations

South

23

NCALL Research, Inc.

Small

Housing to Organizations

South

24

NCB Capital Impact

Large

Community Services/Facilities

South

25

Nehemiah Community Reinvestment Fund

Medium

Housing to Organizations

West

26

Neighborhood Housing Services of Chicago, Inc.

Medium

Housing to Individuals

Midwest

27

NeighborWorks Capital

Medium

Housing to Organizations

South

28

New Hampshire Community Loan Fund, Inc.

Large

Housing to Organizations

Northeast

29

Nonprofit Finance Fund

Large

Community Services/Facilities

Northeast

30

Rising Tide Community Loan Fund

Small

Microenterprise

Northeast

31

Rural Community Assistance Corporation

Large

Housing to Organizations

West

32

Rural Electric Economic Development, Inc.

Medium

Business

Midwest

33

Self-Help Ventures Fund

Large

Housing to Individuals

South

34

ShoreBank Enterprise Cascadia

Medium

Business

West

35

Southern Bancorp, Inc.

Large

Consumer

South

36

Southern Mutual Financial Services, Inc.

Small

Housing to Individuals

South

37

Texas Mezzanine Fund, Inc.

Medium

Business

South

38

Vermont Community Loan Fund, Inc.

Medium

Housing to Organizations

Northeast

39

Ways to Work, Inc.

Large

Consumer

Midwest

40

Western Massachusetts Enterprise Fund, Inc. Wisconsin Women's Business Initiatives Corporation

Small

Business

Northeast

Small

Microenterprise

Midwest

41

Opportunity Finance Network CDFI Market Conditions Report, Second Quarter 2010, Report II – Detailed Tables

77 

Appendix III. Composition of Breakout Samples

  Commercial Real  Estate 

Community   Services 

Consumer 

Housing to  Individuals 

Housing to  Organizations  

Microenterprise 

Banks 

0% 

0% 

0% 

50% 

0% 

50% 

0% 

0% 

0% 

Credit Unions 

0% 

0% 

0% 

67% 

33% 

0% 

0% 

0% 

0% 

Loan Funds  

28% 

4% 

5% 

3% 

12% 

31% 

15% 

1% 

1% 

Venture Funds 

67% 

0% 

0% 

0% 

0% 

0% 

0% 

33% 

0% 

Other 

Intermediary 

Business  

A. Sectoral Composition by Financial Institution Type, 2nd Q2010

Business  

Commercial Real  Estate 

Community   Services 

Consumer 

Housing to  Individuals 

Housing to  Organizations  

Microenterprise 

Intermediary 

Other 

B. Sectoral Composition of Asset Size, 2nd Q2010

Small (51) 

24% 

4% 

0% 

12% 

10% 

18% 

29% 

2% 

2% 

Medium (41) 

39% 

0% 

5% 

0% 

20% 

32% 

5% 

0% 

0% 

Large (32) 

16% 

6% 

13% 

13% 

9% 

41% 

0% 

3% 

0% 

Business  

Commercial Real  Estate 

Community   Services 

Consumer 

Housing to  Individuals 

Housing to  Organizations  

Microenterprise 

Intermediary 

Other 

C. Sectoral Composition by Region, 2nd Q2010

Midwest 

32% 

4% 

7% 

7% 

7% 

21% 

18% 

0% 

4% 

Northeast 

26% 

3% 

9% 

6% 

15% 

29% 

9% 

3% 

0% 

South 

24% 

0% 

3% 

15% 

12% 

33% 

9% 

3% 

0% 

West 

24% 

7% 

0% 

3% 

17% 

28% 

21% 

0% 

0% 

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