CDFI Market Conditions Q310 Report II

 

CDFI Market Conditions Third Quarter 2010 Report II – Detailed Tables Published January 2011

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 Third Quarter 2010 Published January 2011 INTRODUCTION This report presents the results of the ninth consecutive quarterly CDFI Market Conditions Survey conducted in October 2010 covering the third quarter (July - September) 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. The CDFI Market Conditions Report has been divided into two separate documents: o o

CDFI Market Conditions, Third Quarter 2010, Report I - Results and Analysis CDFI Market Conditions, Third 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 third 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, Third Quarter 2010, Report II – Detailed Tables

i 

TABLE OF CONTENTS Section I: All Respondents Table I. Results for All Respondents, 4thQ08 – 3rdQ10

1

Table II. Results by Asset Size for all Respondents II. A. All Large CDFIs, 4thQ08 – 3rdQ10 II. B. All Medium CDFIs, 4thQ08 – 3rdQ10 II C. All Small CDFIs, 4thQ08 – 3rdQ10

5 8 11

Table III. Results by Financing Sector III A. All Business, 4thQ08 – 3rdQ10 III B. All Commercial Real Estate, 4thQ08 – 3rdQ10 III C. All Community Services/Facilities, 4thQ08 – 3rdQ10 III D. All Consumer, 4thQ08 – 3rdQ10 III E. All Housing to Individuals, 4thQ08 – 3rdQ10 III F. All Housing to Organizations, 4thQ08 – 3rdQ10 III G. All Microenterprise, 4thQ08 – 3rdQ10

14 17 20 23 26 29 32

Table IV. Results by Region IV A. All Midwest CDFIs, 4thQ08 – 3rdQ10 IV B. All Northeast CDFIs, 4thQ08 – 3rdQ10 IV C. All South CDFIs, 4thQ08 – 3rdQ10 IV D. All West CDFIs, 4thQ08 – 3rdQ10

35 38 41 44

Section II: Trend Analysis Table V. Results for Trend Respondents, 1stQ09 – 3rdQ10

47

Table VI. Results by Asset Size for Trend Respondents VI A. Large CDFIs, 1stQ09 – 3rdQ10 VI B. Medium CDFIs, 1stQ09 – 3rdQ10 VI C. Small CDFIs, 1stQ09 – 3rdQ10

51 55 59

Table VII. Results by Financing Sector for Trend Respondents VII A. Business CDFIs, 1stQ09 – 3rdQ10 VII B. Housing to Organizations CDFIs, 1stQ09 – 3rdQ10

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 Survey A. All Respondents, 3rdQ10 B. Trend Sample, 1stQ09 – 3rdQ10

74 77

Appendix III. Composition of Breakout Samples A. Sectoral Composition by Financial Institution Type, 3rdQ10 B. Sectoral Composition by Asset Size, 3rdQ10 C. Sectoral Composition by Financial Institution Type, 3rdQ10

78 78 78

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

ii 

Table I. Results for All Respondents, 4thQ08 – 3rdQ10 

10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

08Q3

121

124

105

120

121

128

106

118

69

121

124

105

120

121

128

106

117

67

Banks

1%

2%

2%

2%

2%

2%

3%

0%

0%

Credit Unions

9%

7%

10%

11%

12%

9%

5%

5%

7%

88%

89%

86%

84%

84%

86%

88%

92%

91%

2%

2%

2%

3%

1%

3%

5%

3%

1%

121

124

105

120

121

128

106

118

68

All

Type

n=

Loan Funds Venture Funds

Financing Sector

n=

Business

29%

27%

27%

27%

22%

26%

31%

24%

26%

Commercial Real Estate

3%

3%

3%

4%

7%

3%

7%

2%

0%

Community Services

6%

5%

7%

6%

5%

11%

8%

6%

7%

Consumer

6%

8%

10%

9%

15%

7%

4%

5%

0%

Housing to Individuals

14%

13%

12%

13%

14%

14%

13%

15%

13%

Housing to Organizations

21%

28%

22%

26%

26%

22%

21%

28%

26%

1%

2%

2%

3%

1%

2%

5%

2%

Microenterprise

19%

14%

17%

13%

11%

16%

11%

19%

0%

Multiple/Other

2%

0%

0%

0%

0%

0%

0%

0%

26%

121

124

105

120

121

128

106

118

69

Equally Rural/Urban

16%

21%

21%

23%

20%

18%

18%

19%

39%

Primarily Rural

30%

27%

29%

26%

26%

32%

28%

28%

25%

Primarily Urban

55%

52%

50%

52%

54%

50%

54%

53%

36%

121

124

105

120

121

128

106

118

68

Midwest

22%

23%

24%

21%

22%

23%

22%

19%

31%

Northeast

28%

27%

25%

25%

26%

28%

26%

30%

34%

South*

25%

27%

34%

29%

33%

28%

30%

26%

10%

West

25%

23%

17%

25%

19%

20%

22%

25%

25%

124

105

120

121

128

106

114*

NR

Intermediary

Urban/Rural Market

Region

Asset Size

n=

n=

n=

120

NR

Assets > $50MM

26%

26%

24%

23%

21%

17%

22%

17%

NR

Assets between $10-50MM

31%

33%

33%

36%

31%

35%

36%

30%

NR

Assets < $10MM

43%

41%

43%

41%

48%

48%

42%

42%

NR

* Includes Puerto Rico.

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

1 

Table I. Results for All Respondents, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

121 32% 39%

123 23% 54%

105 23% 49%

120 29% 39%

121 16% 57%

126 16% 60%

104 17% 59%

116 19% 63%

29%

24%

29%

32%

27%

25%

24%

18%

120

120

104

117

120

NR

NR

NR

Decreased

40%

34%

24%

23%

20%

NR

NR

NR

Increased

42%

45%

52%

56%

61%

NR

NR

NR

18%

21%

24%

21%

19%

NR

NR

NR

121

124

105

120

120

127

106

115

Decreased

39%

22%

40%

28%

21%

16%

34%

30%

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

36% 26%

48% 30%

35% 25%

39% 33%

50% 29%

51% 33%

33% 33%

48% 23%

121

124

104

119

120

NR

NR

NR

Decreased

41%

39%

38%

29%

28%

NR

NR

NR

Increased

39%

44%

40%

50%

43%

NR

NR

NR

20%

18%

22%

22%

30%

NR

NR

NR

101

101

79

90

94

103

82

93

Number of Financing Applications Received (%) Decreased Increased

n=

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

n=

No Change Number of Loans/Investments Originated (%)

n=

n=

No Change Ability to Access Capital (%)

n=

Decreased

9%

12%

14%

20%

26%

34%

40%

40%

43% 49%

25% 63%

27% 59%

24% 56%

23% 51%

18% 48%

23% 37%

19% 41%

106

101

86

90

96

NR

NR

NR

Decreased

8%

18%

15%

28%

30%

NR

NR

NR

Increased

55%

45%

37%

31%

26%

NR

NR

NR

No Change

37%

38%

48%

41%

44%

NR

NR

NR

119

123

104

120

120

127

106

118

Decreased

21%

33%

21%

23%

26%

38%

39%

42%

Increased

49%

29%

36%

34%

32%

22%

29%

28%

No Change

30%

38%

43%

43%

43%

40%

32%

31%

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

Capital Liquidity (%)

Capital Liquidity, Change from Previous Year (%)

n=

n=

119

123

104

119

119

NR

NR

NR

Decreased

24%

28%

26%

30%

32%

NR

NR

NR

Increased

53%

40%

40%

39%

33%

NR

NR

NR

No Change

23%

32%

34%

31%

35%

NR

NR

NR

121

122

104

118

117

128

106

118

Both

12%

13%

15%

20%

23%

23%

25%

25%

Debt

6%

2%

5%

11%

13%

13%

16%

15%

Equity

8%

11%

8%

19%

12%

15%

9%

14%

Neither

74%

73%

72%

50%

52%

49%

49%

47%

27

23

13

NR

NR

NR

NR

NR

Total Capital Shortfall During the Quarter ($ MM)

$ 27.2

$ 80.1

$ 23.8

NR

NR

NR

NR

NR

Average Capital Shortfall During the Quarter ($ MM)

$

$

$

1.8

NR

NR

NR

NR

NR

Capital-Constrained (%)

Capital Shortfall During the Quarter

Average Cost of Borrowed Capital

n=

n=

n=

3.5

120

121

103

118

117

126

105

116

13%

12%

14%

19%

9%

16%

16%

13%

Increased

9%

13%

8%

11%

9%

14%

14%

15%

No Change

78%

74%

79%

69%

83%

70%

70%

72%

Decreased

n=

1.0

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

2 

Table I. Results for All Respondents, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

108

98

87

107

NR

NR

NR

NR

9.4%

10.8%

8.7%

8.4%

NR

NR

NR

NR

108

98

87

107

103

106

96

105

31-60 days

2.5%

4.1%

2.7%

2.4%

2.6%

3.0%

2.7%

2.7%

61-90 days

1.2%

1.6%

2.1%

1.5%

1.2%

1.4%

1.8%

1.7%

90+ days

4.7%

4.8%

4.7%

4.3%

5.4%

5.7%

4.8%

6.1%

Total

8.4%

10.5%

9.6%

8.2%

9.2%

10.1%

9.2%

10.5%

92

87

71

NR

NR

NR

NR

NR

1.1%

1.6%

0.4%

NR

NR

NR

NR

NR

92

87

71

NR

NR

NR

NR

NR

7.4%

4.4%

4.4%

NR

NR

NR

NR

NR

108

98

87

107

103

106

96

105

0.7%

0.8%

0.9%

1.1%

0.8%

0.8%

0.5%

1.8%

Average Loan Loss Reserve (%)

n=

Loan Loss Reserve Average Portfolio-at-Risk

n=

Average Non-Accruals (%)

n=

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

n=

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

108

98

88

107

103

106

96

105

2.9%

5.7%

5.0%

4.8%

4.3%

5.4%

4.5%

4.4%

4.5%

7.7%

7.2%

9.7%

6.0%

6.4%

4.3%

6.7%

7.4%

13.4%

12.1%

14.5%

10.4%

11.8%

8.8%

11.1%

108

98

88

107

103

106

96

102

1.6%

0.7%

1.2%

1.8%

1.4%

1.4%

1.3%

0.9%

115

123

103

118

121

127

105

116

Decreased

30%

22%

14%

17%

12%

11%

10%

12%

Increased

36%

35%

39%

36%

44%

36%

48%

43%

No Change

34%

43%

48%

47%

45%

53%

42%

45%

114

124

105

118

121

126

105

116

Decreased

37%

31%

30%

29%

20%

30%

20%

9%

Increased

35%

32%

38%

38%

42%

32%

33%

52%

No Change

28%

36%

31%

33%

38%

38%

47%

39%

112

123

103

119

120

NR

NR

NR

Decreased

40%

40%

30%

24%

23%

NR

NR

NR

Increased

38%

38%

47%

54%

47%

NR

NR

NR

No Change

21%

22%

23%

22%

31%

NR

NR

NR

30-89 Days Past Due (%) > 90 Days Past Due (%) (does not include nonaccruals) Loans & Leases >= 30 Days Past Due (%)

n=

        

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

n=

   n=

n=

n=

n=

112

121

105

119

121

124

105

117

Decreased

21%

9%

12%

7%

7%

10%

9%

4%

Increased

20%

35%

37%

50%

43%

46%

42%

56%

No Change

60%

56%

50%

43%

50%

44%

50%

40%

Number of Loans Given Term Extensions (%)

n=

112

123

103

118

120

124

104

116

Decreased

19%

18%

16%

8%

7%

6%

5%

3%

Increased

19%

24%

32%

42%

32%

44%

38%

51%

No Change

63%

58%

52%

51%

62%

49%

57%

46%

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

3 

Table I. Results for All Respondents, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

119

123

104

119

113

122

102

118

Decrease

8%

2%

3%

7%

6%

4%

4%

5%

Increase

61%

65%

72%

68%

64%

70%

73%

83%

No Change

32%

33%

25%

25%

30%

25%

24%

12%

106

120

104

NR

NR

NR

NR

NR

$ 1,488

$1,970

$

457

NR

NR

NR

NR

NR

$ 14.0

$ 16.4

$

4.4

NR

NR

NR

NR

NR

103

121

NR

NR

NR

NR

NR

NR

499

NR

NR

NR

NR

NR

NR

Expected Demand for Financing (%)

Projected Financing Next Year (if no Capital Constraints) 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=

n=

n=

Projected Total Capital Needed Next Year (MM)

$

Projected Average Capital Needed Next Year (MM)

$

3.3

$

4.1

NR

NR

NR

NR

NR

NR

118

124

105

120

113

128

102

115

4%

9%

10%

22%

19%

24%

25%

57%

Improve

38%

36%

41%

33%

32%

29%

25%

26%

No Change

58%

55%

49%

45%

49%

47%

51%

30%

119

120

103

118

109

81

NR

NR

0-90 days

10%

13%

16%

16%

11%

22%

NR

NR

91-180 days

29%

26%

28%

25%

34%

33%

NR

NR

181-365 days

25%

24%

37%

31%

28%

22%

NR

NR

greater than 365

35%

37%

19%

28%

28%

22%

NR

NR

117

120

103

119

111

124

100

113

No

86%

78%

79%

75%

70%

67%

64%

63%

Yes

14%

23%

21%

25%

30%

33%

36%

37%

Expected Change in Portfolio Quality (%)

$

341

n=

Deteriorate

Days Cash on Hand

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

n=

n=

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

4 

Table II.A. Results by Asset Size for all Respondents: Large CDFIs, 4thQ08 – 3rdQ10 10Q3 Number of Financing Applications Received (%)

n=

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

31

31

25

28

25

20

23

18

Decreased

29%

16%

24%

25%

24%

25%

30%

28%

Increased

45%

61%

44%

39%

60%

50%

48%

44%

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

26%

23%

32%

36%

16%

25%

22%

28%

30

31

25

27

25

NR

NR

NR

n=

40%

26%

28%

37%

44%

NR

NR

NR

Increased

40%

55%

52%

48%

40%

NR

NR

NR

No Change

20%

19%

20%

15%

16%

NR

NR

NR

31

32

25

28

25

22

23

19

Decreased

39%

9%

44%

36%

20%

14%

61%

42%

Increased

39%

69%

36%

43%

56%

50%

13%

16%

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

23%

22%

20%

21%

24%

36%

26%

42%

31

32

25

28

25

NR

NR

NR

Number of Loans/Investments Originated (%)

n=

n=

29%

44%

40%

54%

48%

NR

NR

NR

Increased

52%

50%

52%

36%

36%

NR

NR

NR

No Change

19%

6%

8%

11%

16%

NR

NR

NR

30

28

25

25

22

20

20

16

Decreased

3%

7%

16%

16%

14%

30%

40%

50%

Increased

43%

29%

28%

32%

23%

20%

10%

25%

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

53%

64%

56%

52%

64%

50%

50%

25%

31

28

25

26

22

NR

NR

NR

3%

14%

12%

15%

18%

NR

NR

NR

Increased

61%

43%

44%

27%

27%

NR

NR

NR

No Change

35%

43%

44%

58%

55%

NR

NR

NR

31

32

25

28

25

22

23

19

Decreased

16%

41%

24%

21%

16%

23%

39%

37%

Increased

48%

13%

20%

39%

24%

14%

22%

26%

No Change

35%

47%

56%

39%

60%

64%

39%

37%

31

32

25

28

25

NR

NR

NR

Decreased

16%

28%

24%

25%

32%

NR

NR

NR

Increased

74%

41%

40%

46%

36%

NR

NR

NR

No Change

10%

31%

36%

29%

32%

NR

NR

NR

31

31

25

28

25

22

23

19

Both

10%

10%

20%

25%

16%

27%

26%

26%

Debt

6%

6%

4%

7%

20%

23%

22%

26%

Equity

3%

13%

4%

14%

8%

5%

4%

5%

Neither

81%

71%

72%

54%

56%

45%

48%

42%

5

3

22

NR

NR

NR

NR

NR

Total Capital Shortfall During the Quarter ($ MM)

$ 16.00

$ 53.0

$ 7.50

NR

NR

NR

NR

NR

Average Capital Shortfall During the Quarter ($ MM)

$

3.2

$ 17.7

$

0.3

NR

NR

NR

NR

NR

31

30

24

28

25

21

23

19

Decreased

16%

10%

17%

25%

8%

24%

22%

32%

Increased

13%

13%

13%

14%

16%

24%

22%

16%

No Change

71%

77%

71%

61%

76%

52%

57%

53%

Ability to Access Capital (%)

Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year (%)

Capital-Constrained (%)

Capital Shortfall During the Quarter

Average Cost of Borrowed Capital

n=

n=

n=

n=

n=

n=

n=

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

5 

Table II.A. Results by Asset Size for all Respondents: Large CDFIs, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

29

27

22

25

NR

NR

NR

NR

6.6%

6.9%

6.1%

6.2%

NR

NR

NR

NR

29

27

22

25

21

20

22

17

31-60 days

1.9%

2.1%

1.3%

1.9%

2.0%

3.2%

1.9%

2.0%

61-90 days

0.5%

1.4%

1.5%

1.5%

0.7%

1.0%

1.3%

1.0%

90+ days

4.4%

4.7%

4.0%

4.8%

5.2%

4.8%

4.8%

3.1%

Total

6.9%

8.2%

6.8%

8.2%

7.9%

9.0%

8.0%

6.1%

21

25

17

NR

NR

NR

NR

NR

0.6%

1.4%

0.6%

NR

NR

NR

NR

NR

21

25

17

NR

NR

NR

NR

NR

10.7%

4.0%

2.3%

NR

NR

NR

NR

NR

29

27

22

25

21

26

23

18

0.6%

0.6%

0.2%

0.7%

0.3%

0.6%

0.3%

0.2%

31

32

25

28

25

22

23

19

Decreased

42%

31%

12%

7%

12%

18%

22%

16%

Increased

29%

38%

32%

36%

60%

45%

52%

63%

No Change

29%

31%

56%

57%

28%

36%

26%

21%

31

32

25

28

25

22

23

19

Decreased

39%

31%

40%

29%

28%

27%

26%

11%

Increased

39%

38%

48%

50%

56%

50%

48%

68%

No Change

23%

31%

12%

21%

16%

23%

26%

21%

31

32

25

28

25

NR

NR

NR

Decreased

42%

47%

28%

25%

20%

NR

NR

NR

Increased

42%

44%

56%

57%

68%

NR

NR

NR

No Change

16%

9%

16%

18%

12%

NR

NR

NR

31

32

25

28

25

21

23

19

Decreased

19%

9%

16%

4%

12%

19%

17%

5%

Increased

19%

41%

44%

64%

60%

52%

65%

74%

No Change

61%

50%

40%

32%

28%

29%

17%

21%

30

32

24

27

25

21

23

19

Decreased

17%

19%

17%

7%

12%

14%

9%

11%

Increased

20%

31%

33%

52%

48%

43%

30%

47%

No Change

63%

50%

50%

41%

40%

43%

61%

42%

Average Loan Loss Reserve (%)

n=

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=

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, Third Quarter 2010, Report II – Detailed Tables

6 

Table II.A. Results by Asset Size for all Respondents: Large CDFIs, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q3

09Q2

09Q1

08Q4

31

32

25

24

21

23

19

Decrease

3%

3%

0%

4%

8%

5%

0%

0%

Increase

42%

66%

68%

61%

38%

62%

61%

68%

No Change

55%

31%

32%

36%

54%

33%

39%

32%

26

32

24

NR

NR

NR

NR

NR

$ 1,101

$ 1,434

$

337

NR

NR

NR

NR

NR

$ 42.4

$ 44.8

$ 14.1

NR

NR

NR

NR

NR

25

32

NR

NR

NR

NR

NR

NR

$255.0

$ 312.5

NR

NR

NR

NR

NR

NR

$

9.8

NR

NR

NR

NR

NR

NR

30

32

25

28

24

22

23

19

Deteriorate

10%

13%

20%

32%

21%

23%

26%

68%

Improve

37%

28%

28%

18%

21%

23%

9%

16%

53%

59%

52%

50%

58%

55%

65%

26%

31

29

24

28

22

15

NR

NR

0%

7%

0%

4%

5%

0%

NR

NR

91-180 days

13%

14%

17%

14%

18%

33%

NR

NR

181-365 days

26%

24%

46%

32%

27%

33%

NR

NR

greater than 365

61%

55%

38%

50%

50%

33%

NR

NR

31

31

25

27

22

22

22

17

No

94%

77%

96%

85%

91%

77%

73%

76%

Yes

6%

23%

4%

15%

9%

23%

27%

24%

Expected Demand for Financing (%)

Projected Financing Next Year (if no Capital Constraints) 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 Projected Total Capital Needed Next Year (MM) Projected Average Capital Needed Next Year (MM) Expected Change in Portfolio Quality (%)

n=

n=

n=

$ 10.2 n=

No Change Days Cash on Hand

n=

0-90 days

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

n=

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

09Q4 28

7 

Table II.B. Results by Asset Size for all Respondents: Medium CDFIs, 4thQ08 – 3rdQ10 10Q3 Number of Financing Applications Received (%)

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

37

41

35

43

38

45

37

34

Decreased

41%

27%

31%

23%

16%

11%

16%

21%

Increased

30%

59%

40%

53%

68%

60%

59%

53%

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

30%

15%

29%

23%

16%

29%

24%

26%

37

41

35

43

38

NR

NR

NR

Decreased

43%

44%

29%

19%

13%

NR

NR

NR

Increased

30%

37%

49%

67%

79%

NR

NR

NR

No Change

27%

20%

23%

14%

8%

NR

NR

NR

37

41

35

43

38

45

38

33

Decreased

46%

29%

49%

21%

21%

13%

29%

33%

Increased

35%

44%

26%

42%

63%

67%

39%

48%

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

19%

27%

26%

37%

16%

20%

32%

18%

Number of Loans/Investments Originated (%)

n=

10Q2

n=

n=

37

41

35

42

38

NR

NR

NR

Decreased

46%

39%

37%

21%

21%

NR

NR

NR

Increased

30%

39%

43%

57%

55%

NR

NR

NR

No Change

24%

22%

20%

21%

24%

NR

NR

NR

31

35

24

32

33

37

28

31

Decreased

0%

14%

13%

16%

27%

30%

43%

39%

Increased

61%

34%

33%

25%

18%

11%

21%

16%

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

39%

51%

54%

59%

55%

59%

36%

45%

Ability to Access Capital (%)

n=

n=

33

34

25

35

31

NR

NR

NR

Decreased

n=

6%

18%

20%

34%

26%

NR

NR

NR

Increased

55%

50%

40%

31%

26%

NR

NR

NR

39%

32%

40%

34%

48%

NR

NR

NR

36

41

35

43

38

44

38

34

Decreased

11%

34%

17%

26%

37%

36%

47%

35%

Increased

58%

41%

49%

37%

37%

20%

29%

41%

No Change

31%

24%

34%

37%

26%

43%

24%

24%

36

41

35

43

38

NR

NR

NR

Decreased

22%

29%

34%

35%

45%

NR

NR

NR

Increased

50%

44%

46%

40%

39%

NR

NR

NR

28%

27%

20%

26%

16%

NR

NR

NR

37

41

35

42

38

45

38

34

Both

8%

15%

14%

17%

26%

18%

24%

29%

Debt

5%

2%

9%

14%

13%

16%

21%

21%

Equity

5%

7%

6%

24%

16%

11%

18%

15%

Neither

81%

76%

71%

45%

45%

56%

37%

35%

6

10

32

NR

NR

NR

NR

NR

$ 4.45

$ 18.1

$ 13.10

NR

NR

NR

NR

NR

$

$

$

NR

No Change Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year(%)

n=

n=

No Change Capital-Constrained (%)

Capital Shortfall During the Quarter

n=

n=

Total Capital Shortfall During the Quarter ($ MM) Average Capital Shortfall During the Quarter ($ MM)

0.4

NR

NR

NR

NR

37

41

35

43

38

45

38

34

Decreased

11%

17%

9%

19%

11%

16%

18%

12%

Increased

14%

20%

6%

14%

3%

13%

13%

21%

No Change

76%

63%

86%

67%

87%

71%

68%

68%

Average Cost of Borrowed Capital

n=

0.7

1.8

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

8 

Table II.B. Results by Asset Size for all Respondents: Medium CDFIs, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

47

36

33

43

NR

NR

NR

NR

11.7%

15.7%

11.2%

9.0%

NR

NR

NR

NR

47

36

33

43

21

20

22

31

31-60 days

2.9%

6.9%

4.0%

2.5%

2.0%

3.2%

1.9%

1.6%

61-90 days

1.8%

1.9%

2.9%

1.2%

0.7%

1.0%

1.3%

1.4%

90+ days

5.7%

5.8%

5.5%

4.5%

5.2%

4.8%

4.8%

5.3%

10.5%

14.6%

12.5%

8.1%

7.9%

9.0%

8.0%

8.3%

41

31

28

NR

NR

NR

NR

NR

0.8%

1.7%

0.1%

NR

NR

NR

NR

NR

41

31

28

NR

NR

NR

NR

NR

7.1%

4.2%

5.3%

NR

NR

NR

NR

NR

Average Loan Loss Reserve (%)

n=

Loan Loss Reserve Average Portfolio-at-Risk

n=

Total Average Non-Accruals (%)

n=

Non-Accruals Average Loans Restructured (%)

n=

Loans Restructured Average Net Charge-Offs (%)

n=

47

36

33

43

21

26

23

33

0.6%

1.1%

1.7%

1.3%

0.3%

0.6%

0.3%

0.6%

35

41

35

42

38

45

38

34

Decreased

23%

24%

11%

21%

11%

9%

13%

3%

Increased

51%

39%

46%

33%

45%

27%

61%

44%

No Change

26%

37%

43%

45%

45%

64%

26%

53%

35

41

35

42

38

44

38

34

Decreased

37%

41%

34%

24%

21%

34%

21%

3%

Increased

40%

32%

37%

40%

45%

25%

32%

62%

No Change

23%

27%

29%

36%

34%

41%

47%

35%

35

41

35

43

38

NR

NR

NR

Decreased

37%

46%

31%

14%

32%

NR

NR

NR

Increased

37%

34%

34%

63%

39%

NR

NR

NR

No Change

26%

20%

34%

23%

29%

NR

NR

NR

34

39

35

43

38

44

38

34

Decreased

24%

13%

17%

9%

3%

7%

8%

3%

Increased

26%

38%

43%

42%

45%

43%

34%

59%

50%

49%

40%

49%

53%

50%

58%

38%

35

41

35

43

38

45

38

34

Decreased

20%

27%

26%

7%

8%

9%

5%

3%

Increased

17%

22%

31%

40%

29%

47%

47%

56%

No Change

63%

51%

43%

53%

63%

44%

47%

41%

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

n=

n=

n=

n=

No Change Number of Loans Given Term Extensions (%)

n=

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

9 

Table II.B. Results by Asset Size for all Respondents: Medium CDFIs, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

37

40

35

42

37

43

37

33

Decrease

3%

3%

3%

10%

3%

5%

8%

9%

Increase

70%

75%

83%

69%

76%

77%

76%

85%

No Change Projected Financing Next Year (if no Capital Constraints) Projected Total Financing Next Year (if no Capital Constraints) (MM) Projected Average Financing Next Year (if no Capital Constraints) (MM)

27%

23%

14%

21%

22%

19%

16%

6%

35

39

35

NR

NR

NR

NR

NR

$ 313.5

$ 431.9

$ 101.1

NR

NR

NR

NR

NR

$

$ 11.1

$

2.9

NR

NR

NR

NR

NR

Expected Demand for Financing (%)

Projected Additional Capital Needed Next Year

n=

n=

33

40

NR

NR

NR

NR

NR

NR

Projected Total Capital Needed Next Year (MM)

$ 50.45

$ 148.8

NR

NR

NR

NR

NR

NR

Projected Average Capital Needed Next Year (MM)

$

$

3.7

NR

NR

NR

NR

NR

NR

37

41

35

43

37

45

37

33

0%

15%

6%

16%

24%

29%

30%

24%

Improve

41%

37%

37%

33%

30%

20%

22%

61%

No Change

59%

49%

57%

51%

46%

51%

49%

33%

35

41

35

41

37

15

NR

NR

Expected Change in Portfolio Quality (%)

n=

9.0

n=

Deteriorate

Days Cash on Hand

n=

0-90 days

1.5

6%

15%

11%

12%

14%

0%

NR

NR

91-180 days

23%

22%

31%

37%

27%

33%

NR

NR

181-365 days

37%

22%

37%

27%

30%

33%

NR

NR

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

34%

41%

20%

24%

30%

33%

NR

NR

36

41

34

43

37

22

22

34

No

n=

83%

63%

74%

67%

59%

127%

109%

50%

Yes

17%

37%

26%

33%

41%

73%

59%

50%

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

10 

Table II.C. Results by Asset Size for all Respondents: Small CDFIs, 4thQ08 – 3rdQ10 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

52

51

45

49

58

61

44

60

Decreased

29%

24%

16%

37%

12%

16%

11%

15%

Increased

42%

45%

58%

27%

48%

62%

64%

73%

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

29%

31%

27%

37%

40%

21%

25%

12%

Number of Financing Applications Received (%)

n=

52

48

44

47

57

NR

NR

NR

Decreased

38%

31%

18%

19%

14%

NR

NR

NR

Increased

52%

46%

55%

49%

58%

NR

NR

NR

No Change

10%

23%

27%

32%

28%

NR

NR

NR

52

51

45

49

57

60

45

59

Decreased

35%

24%

31%

31%

21%

18%

24%

22%

Increased

35%

39%

42%

35%

39%

40%

38%

61%

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

31%

37%

27%

35%

40%

42%

38%

17%

Number of Loans/Investments Originated (%)

n=

08Q4

n=

52

51

44

49

57

NR

NR

NR

Decreased

46%

35%

36%

20%

23%

NR

NR

NR

Increased

38%

43%

32%

51%

37%

NR

NR

NR

No Change

15%

22%

32%

29%

40%

NR

NR

NR

40

38

30

33

39

46

34

44

Decreased

20%

13%

13%

27%

31%

39%

38%

36%

Increased

28%

13%

20%

18%

28%

24%

32%

18%

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

53%

74%

67%

55%

41%

37%

29%

45%

Ability to Access Capital (%)

n=

n=

41

39

36

29

43

NR

NR

NR

Decreased

15%

21%

14%

31%

40%

NR

NR

NR

Increased

51%

41%

31%

34%

26%

NR

NR

NR

No Change

34%

38%

56%

34%

35%

NR

NR

NR

51

50

44

49

57

61

45

61

Decreased

31%

26%

23%

20%

23%

44%

31%

46%

Increased

43%

30%

34%

29%

32%

26%

33%

23%

No Change

25%

44%

43%

51%

46%

30%

36%

31%

51

50

44

48

56

NR

NR

NR

Decreased

31%

28%

20%

29%

23%

NR

NR

NR

Increased

43%

36%

36%

33%

27%

NR

NR

NR

No Change

25%

36%

43%

38%

50%

NR

NR

NR

52

50

44

48

54

61

45

61

15%

14%

14%

21%

24%

25%

27%

23%

Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year (%)

Capital-Constrained (%)

n=

n=

n=

n=

Both Debt

6%

0%

2%

10%

9%

8%

9%

10%

Equity

13%

14%

11%

17%

11%

21%

4%

13%

Neither

65%

72%

73%

52%

56%

46%

60%

54%

16

10

44

NR

NR

NR

NR

NR

Capital Shortfall During the Quarter

n=

Total Capital Shortfall During the Quarter ($ MM)

$ 6.78

$

9.0

$ 3.16

NR

NR

NR

NR

NR

Average Capital Shortfall During the Quarter ($ MM)

$

$

0.9

$

0.1

NR

NR

NR

NR

NR

Average Cost of Borrowed Capital Decreased

n=

0.4 51

50

44

47

54

60

44

60

12%

10%

16%

17%

7%

13%

11%

7%

Increased

4%

8%

7%

6%

9%

12%

11%

12%

No Change

84%

82%

77%

77%

83%

75%

77%

82%

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

11 

Table II.C. Results by Asset Size for all Respondents: Small CDFIs, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

47

36

33

43

NR

NR

NR

NR

11.7%

15.7%

11.2%

9.0%

NR

NR

NR

NR

47

36

33

43

21

20

22

50

31-60 days

2.9%

6.9%

4.0%

2.5%

2.0%

3.2%

1.9%

3.6%

61-90 days

1.8%

1.9%

2.9%

1.2%

0.7%

1.0%

1.3%

2.2%

90+ days

5.7%

5.8%

5.5%

4.5%

5.2%

4.8%

4.8%

8.8%

10.5%

14.6%

12.5%

8.1%

7.9%

9.0%

8.0%

###

41

31

28

NR

NR

NR

NR

NR

0.8%

1.7%

0.1%

NR

NR

NR

NR

NR

41

31

28

NR

NR

NR

NR

NR

7.1%

4.2%

5.3%

NR

NR

NR

NR

NR

Average Loan Loss Reserve (%)

n=

Loan Loss Reserve Average Portfolio-at-Risk

n=

Total Average Non-Accruals (%)

n=

Non-Accruals Average Loans Restructured (%)

n=

Loans Restructured Average Net Charge-Offs (%)

n=

47

36

33

43

21

26

23

52

0.6%

1.1%

1.7%

1.3%

0.3%

0.6%

0.3%

3.0%

48

50

43

48

58

60

44

61

Decreased

29%

14%

16%

19%

12%

10%

2%

15%

Increased

29%

30%

37%

38%

36%

40%

34%

36%

No Change

42%

56%

47%

44%

52%

50%

64%

49%

47

51

45

48

58

60

44

61

Decreased

36%

24%

22%

33%

16%

28%

16%

11%

Increased

30%

29%

33%

29%

34%

30%

27%

41%

No Change

34%

47%

44%

38%

50%

42%

57%

48%

45

50

43

48

57

NR

NR

NR

Decreased

42%

30%

30%

33%

18%

NR

NR

NR

Increased

38%

38%

51%

44%

42%

NR

NR

NR

No Change

20%

32%

19%

23%

40%

NR

NR

NR

46

50

45

48

58

59

44

60

Decreased

20%

6%

7%

6%

9%

10%

5%

3%

Increased

15%

28%

29%

50%

34%

46%

36%

48%

No Change

65%

66%

64%

44%

57%

44%

59%

48%

46

50

44

48

57

58

43

60

Decreased

20%

10%

7%

8%

4%

2%

2%

2%

Increased

20%

22%

32%

38%

26%

43%

35%

48%

No Change

61%

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 (%)

Number of Loans Given Term Extensions (%)

n=

n=

n=

n=

n=

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

12 

Table II.C. Results by Asset Size for all Respondents: Small CDFIs, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

50

51

44

49

52

58

42

60

Decrease

14%

0%

5%

6%

8%

3%

2%

3%

Increase

66%

57%

66%

71%

67%

69%

76%

87%

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

20%

43%

30%

22%

25%

28%

21%

10%

44

48

45

NR

NR

NR

NR

NR

$ 73.6

$ 104.1

$ 18.4

NR

NR

NR

NR

NR

$

$

$

0.4

NR

NR

NR

NR

NR

48

NR

NR

NR

NR

NR

NR

Expected Demand for Financing (%)

n=

n=

n=

1.7 44

2.2

Projected Total Capital Needed Next Year (MM)

$ 35.69

$ 37.3

NR

NR

NR

NR

NR

NR

Projected Average Capital Needed Next Year (MM)

$

$

0.8

NR

NR

NR

NR

NR

NR

50

51

45

49

52

61

42

60

4%

2%

9%

20%

15%

21%

19%

37%

Improve

38%

41%

51%

43%

38%

38%

36%

48%

No Change

58%

57%

40%

37%

46%

41%

45%

27%

52

50

44

49

50

15

NR

NR

0-90 days

17%

16%

27%

27%

12%

0%

NR

NR

91-180 days

44%

36%

32%

22%

46%

33%

NR

NR

181-365 days

17%

26%

32%

33%

26%

33%

NR

NR

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

21%

22%

9%

18%

16%

33%

NR

NR

49

48

44

49

52

22

22

58

No

84%

90%

73%

76%

69%

173%

109%

67%

Yes

16%

10%

27%

24%

31%

91%

77%

33%

Expected Change in Portfolio Quality (%)

n=

Deteriorate

Days Cash on Hand

n=

n=

0.8

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

13 

Table III.A. Results by Financing Sector: All Business, 4thQ08 – 3rdQ10 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

35

33

28

32

26

33

33

28

Decreased

37%

24%

14%

28%

8%

15%

12%

4%

Increased

29%

42%

57%

41%

73%

58%

58%

79%

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

34%

33%

29%

31%

19%

27%

30%

18%

Number of Financing Applications Received (%)

n=

35

30

28

31

26

NR

NR

NR

Decreased

40%

40%

14%

13%

4%

NR

NR

NR

Increased

40%

37%

61%

68%

77%

NR

NR

NR

No Change

20%

23%

25%

19%

19%

NR

NR

NR

35

33

28

32

26

33

33

28

Decreased

49%

24%

25%

25%

19%

12%

27%

14%

Increased

31%

42%

50%

47%

54%

42%

39%

61%

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

20%

33%

25%

28%

27%

45%

33%

25%

Number of Loans/Investments Originated (%)

n=

08Q4

n=

35

33

28

32

26

NR

NR

NR

Decreased

40%

42%

25%

28%

19%

NR

NR

NR

Increased

43%

45%

50%

56%

46%

NR

NR

NR

No Change

17%

12%

25%

16%

35%

NR

NR

NR

30

30

19

24

23

30

27

21

Decreased

7%

3%

11%

17%

13%

33%

44%

38%

Increased

50%

40%

32%

25%

26%

30%

22%

14%

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

43%

57%

58%

58%

61%

37%

33%

48%

Ability to Access Capital (%)

n=

n=

32

28

21

24

22

NR

NR

NR

Decreased

3%

11%

14%

29%

23%

NR

NR

NR

Increased

66%

50%

38%

33%

18%

NR

NR

NR

No Change

31%

39%

48%

38%

59%

NR

NR

NR

35

33

28

32

26

33

33

29

Decreased

17%

30%

14%

16%

27%

27%

45%

45%

Increased

54%

48%

50%

31%

42%

30%

27%

24%

No Change

29%

21%

36%

53%

31%

42%

27%

31%

35

33

28

31

26

NR

NR

NR

Decreased

23%

27%

25%

19%

35%

NR

NR

NR

Increased

51%

42%

43%

35%

46%

NR

NR

NR

No Change

26%

30%

32%

45%

19%

NR

NR

NR

35

32

28

32

25

33

33

29

Both

9%

6%

14%

22%

20%

33%

27%

34%

Debt

9%

0%

4%

9%

20%

3%

9%

7%

Equity

0%

13%

7%

22%

8%

9%

9%

14%

83%

81%

75%

47%

52%

55%

55%

45%

6

4

5

NR

NR

NR

NR

NR

Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year (%)

Capital-Constrained (%)

n=

n=

n=

n=

Neither Capital Shortfall During the Quarter

n=

Total Capital Shortfall During the Quarter ($ MM)

$ 3.1

$

5.8

$ 5.4

NR

NR

NR

NR

NR

Average Capital Shortfall During the Quarter ($ MM)

$ 0.5

$

1.4

$ 1.1

NR

NR

NR

NR

NR

35

33

28

31

26

33

32

28

Decreased

20%

9%

14%

16%

12%

21%

13%

0%

Increased

14%

21%

7%

3%

8%

18%

13%

14%

No Change

66%

70%

79%

81%

81%

61%

75%

86%

Average Cost of Borrowed Capital

n=

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

14 

Table III.A. Results by Financing Sector: All Business, 4thQ08 – 3rdQ10, continued 10Q3 Average Loan Loss Reserve (%)

n=

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

31

28

22

30

NR

NR

NR

NR

10.1%

9.9%

8.7%

9.9%

NR

NR

NR

NR

31

28

22

30

26

28

28

23

31-60 days

3.6%

7.6%

4.5%

1.5%

2.1%

3.7%

2.7%

2.6%

61-90 days

0.7%

1.8%

2.5%

1.4%

1.5%

1.8%

1.5%

1.8%

90+ days

5.1%

3.2%

4.6%

4.0%

5.7%

4.7%

5.8%

7.6%

Total

9.4%

12.6%

11.6%

6.9%

9.3%

10.1%

10.0%

12.0%

25

26

16

NR

NR

NR

NR

NR

1.0%

1.1%

0.7%

NR

NR

NR

NR

NR

25

26

16

NR

NR

NR

NR

NR

7.8%

4.8%

3.8%

NR

NR

NR

NR

NR

31

28

22

30

25

24

33

24

0.7%

0.5%

0.8%

0.6%

0.7%

1.7%

0.5%

0.9%

33

33

28

31

26

32

32

27

Decreased

30%

18%

11%

13%

12%

16%

9%

11%

Increased

45%

42%

43%

48%

46%

38%

53%

41%

24%

39%

46%

39%

42%

47%

38%

48%

33

33

28

31

26

32

31

24

Decreased

36%

27%

25%

19%

23%

38%

9%

4%

Increased

39%

36%

36%

35%

42%

34%

38%

52%

24%

36%

39%

45%

35%

28%

53%

44%

32

33

27

31

26

22

NR

NR

Decreased

31%

39%

26%

29%

23%

NR

NR

NR

Increased

50%

30%

48%

48%

42%

NR

NR

NR

No Change

19%

30%

26%

23%

35%

NR

NR

NR

31

32

28

32

26

33

33

29

Decreased

13%

13%

18%

6%

4%

9%

3%

0%

Increased

23%

38%

43%

53%

35%

55%

45%

48%

No Change

65%

50%

39%

41%

62%

36%

52%

52%

32

33

27

31

26

32

32

27

Decreased

13%

21%

19%

10%

4%

6%

0%

4%

Increased

19%

27%

37%

45%

31%

38%

41%

41%

No Change

69%

52%

44%

45%

65%

56%

59%

56%

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=

Net Charge-Offs Loan Loss Reserve Ratio (%)

n=

No Change Delinquency Rate (%)

n=

No Change Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

n=

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

15 

Table III.A. Results by Financing Sector: All Business, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

34

33

28

32

26

31

33

28

Decrease

6%

0%

4%

6%

0%

0%

27%

0%

Increase

68%

64%

79%

75%

77%

74%

73%

100%

No Change

26%

36%

18%

19%

23%

26%

0%

0%

31

31

21

NR

NR

NR

NR

NR

$ 192

NR

NR

NR

NR

NR

$

7

NR

NR

NR

NR

NR

31

NR

NR

NR

NR

NR

NR

109

NR

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)

$ 425

$

453

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

$

$

15

Projected Additional Capital Needed Next Year

n=

Projected Total Capital Needed Next Year (MM)

30 $

Projected Average Capital Needed Next Year (MM)

14

$

1

$

4

NR

NR

NR

NR

NR

NR

33

33

28

32

26

33

33

27

0%

15%

7%

50%

58%

52%

48%

30%

Improve

39%

24%

39%

28%

23%

27%

33%

63%

No Change

61%

61%

54%

22%

19%

21%

18%

19%

35

32

28

32

26

22

NR

NR

0-90 days

14%

16%

14%

19%

15%

27%

NR

NR

91-180 days

37%

28%

32%

22%

23%

41%

NR

NR

181-365 days

29%

22%

32%

38%

27%

18%

NR

NR

greater than 365

20%

34%

21%

22%

35%

14%

NR

NR

34

33

28

31

26

32

33

28

No

88%

82%

89%

77%

77%

66%

70%

71%

Yes

12%

18%

11%

23%

23%

34%

30%

29%

Expected Change in Portfolio Quality (%)

$

39

n=

Deteriorate

Days Cash on Hand (%)

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

n=

n=

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

16 

Table III.B. Results by Financing Sector: All Commercial Real Estate, 4thQ08 – 3rdQ10 Number of Financing Applications Received (%)

10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

4

4

3

5

8

NR

6

NR

50%

0%

67%

0%

25%

NR

50%

NR

0%

100%

33%

20%

75%

NR

17%

NR

50%

0%

0%

80%

0%

NR

33%

NR

n=

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

4

4

3

5

8

NR

NR

NR

Decreased

75%

50%

67%

40%

25%

NR

NR

NR

Increased

0%

50%

0%

40%

75%

NR

NR

NR

No Change

25%

0%

33%

20%

0%

NR

NR

NR

4

4

3

5

8

NR

6

NR

Decreased

50%

50%

100%

20%

25%

NR

67%

NR

Increased

25%

25%

0%

60%

37%

NR

17%

NR

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

25%

25%

0%

20%

38%

NR

17%

NR

Number of Loans/Investments Originated (%)

n=

n=

4

4

3

5

8

NR

NR

NR

Decreased

25%

75%

67%

20%

63%

NR

NR

NR

Increased

25%

25%

33%

80%

25%

NR

NR

NR

No Change

50%

0%

0%

0%

13%

NR

NR

NR

4

3

3

4

8

NR

5

NR

Decreased

0%

33%

33%

25%

50%

NR

80%

NR

Increased

50%

0%

0%

50%

13%

NR

0%

NR

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

50%

67%

67%

25%

38%

NR

20%

NR

Ability to Access Capital (%)

n=

n=

4

4

3

4

7

NR

NR

NR

Decreased

n=

0%

25%

33%

25%

43%

NR

NR

NR

Increased

100%

0%

33%

50%

14%

NR

NR

NR

0%

75%

33%

25%

43%

NR

NR

NR

4

4

3

5

8

NR

6

NR

Decreased

0%

0%

0%

20%

13%

NR

67%

NR

Increased

50%

0%

0%

40%

50%

NR

17%

NR

No Change

50%

100%

100%

40%

38%

NR

17%

NR

4

4

3

5

8

NR

NR

NR

Decreased

0%

25%

33%

40%

13%

NR

NR

NR

Increased

75%

0%

33%

40%

50%

NR

NR

NR

No Change

25%

75%

33%

20%

38%

NR

NR

NR

4

4

3

5

8

NR

6

NR

Both

0%

25%

0%

40%

50%

NR

67%

NR

Debt

0%

0%

0%

0%

0%

NR

0%

NR

Equity

0%

25%

0%

20%

0%

NR

0%

NR

100%

50%

100%

40%

50%

NR

33%

NR

-

1

NA

NR

NR

NR

NR

NR

NR

NR

NR

No Change Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year (%)

Capital-Constrained (%)

Neither Projected Financing Next Quarter (if no Capital Constraints) Projected Total Financing Next Quarter (if no Capital Constraints) (MM) Projected Average Financing Next Quarter (if no Capital Constraints) (MM) Average Cost of Borrowed Capital Decreased

n=

n=

n=

n= $ $ n=

-

$

0.6

NA

NR

NR

-

$

0.6

NA

NR

NR

NR

NR

NR

4

4

3

5

8

NR

6

NR

25%

0%

33%

20%

0%

NR

33%

NR

Increased

0%

0%

0%

0%

13%

NR

33%

NR

No Change

75%

100%

67%

80%

88%

NR

33%

NR

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

17 

Table III.B. Results by Financing Sector: All Commercial Real Estate, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

3

3

3

4

NR

NR

NR

NR

4.9%

6.9%

4.2%

5.5%

NR

NR

NR

NR

3

3

3

4

5

NR

NR

NR

31-60 days

0.9%

1.2%

3.0%

0.6%

0.3%

NR

NR

NR

61-90 days

0.5%

1.5%

0.9%

0.9%

0.7%

NR

NR

NR

90+ days

0.6%

2.1%

5.7%

6.4%

11.3%

NR

NR

NR

Total

2.0%

4.7%

9.7%

7.9%

12.3%

NR

NR

NR

3

3

2

NR

NR

NR

NR

NR

0.5%

1.0%

0.9%

NR

NR

NR

NR

NR

Average Loan Loss Reserve (%)

n=

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=

Net Charge-Offs Loan Loss Reserve Ratio (%)

3

2

NR

NR

NR

NR

NR

3.0%

4.4%

NR

NR

NR

NR

NR

3

3

3

4

3

NR

NR

NR

0.4%

0.0%

0.1%

1.1%

0.1%

NR

NR

NR

4

4

3

5

8

NR

6

NR

Decreased

0%

25%

0%

20%

13%

NR

33%

NR

Increased

50%

0%

33%

20%

63%

NR

17%

NR

No Change

50%

75%

67%

60%

25%

NR

50%

NR

4

4

3

5

17

NR

6

NR

Decreased

50%

0%

33%

20%

13%

NR

50%

NR

Increased

0%

50%

33%

20%

63%

NR

17%

NR

50%

50%

33%

60%

25%

NR

33%

NR

4

4

3

5

17

NR

NR

NR

Decreased

50%

75%

33%

0%

13%

NR

NR

NR

Increased

0%

25%

33%

20%

75%

NR

NR

NR

No Change

50%

0%

33%

80%

13%

NR

NR

NR

4

4

3

5

17

NR

6

NR

0%

0%

33%

0%

0%

NR

0%

NR

Delinquency Rate (%)

n=

3 0.0%

n=

No Change Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

n=

n=

Decreased Increased

0%

25%

33%

40%

63%

NR

67%

NR

100%

75%

33%

60%

33%

NR

33%

NR

4

4

2

5

17

NR

6

NR

Decreased

0%

25%

50%

0%

0%

NR

0%

NR

Increased

25%

0%

50%

40%

38%

NR

17%

NR

No Change

75%

75%

0%

60%

63%

NR

83%

NR

No Change Number of Loans Given Term Extensions (%)

n=

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

18 

Table III.B. Results by Financing Sector: All Commercial Real Estate, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

4

4

3

5

8

NR

6

NR

Decrease

0%

0%

0%

0%

13%

NR

0%

NR

Increase

25%

75%

67%

40%

63%

NR

67%

NR

No Change

75%

25%

33%

60%

25%

NR

33%

NR

2

4

3

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)

$

59

$

82

$ 35

NR

NR

NR

NR

NR

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

$

30

$

21

$ 12

NR

NR

NR

NR

NR

4

NR

NR

NR

NR

NR

NR

Projected Additional Capital Needed Next Year

n=

2

Projected Total Capital Needed Next Year (MM)

$

6

$

6

NR

NR

NR

NR

NR

NR

Projected Average Capital Needed Next Year (MM)

$

3

$

1

NR

NR

NR

NR

NR

NR

4

4

3

5

8

NR

6

NR

Deteriorate

25%

0%

0%

20%

38%

NR

0%

NR

Improve

25%

25%

33%

0%

38%

NR

33%

NR

No Change

50%

75%

67%

80%

25%

NR

67%

NR

4

4

3

5

7

NR

NR

NR

0%

0%

0%

0%

0%

NR

NR

NR

Expected Change in Portfolio Quality (%)

Days Cash on Hand (%)

n=

n=

0-90 days 91-180 days

25%

0%

0%

20%

29%

NR

NR

NR

181-365 days

0%

50%

67%

0%

43%

NR

NR

NR

75%

50%

33%

80%

29%

NR

NR

NR

4

4

3

5

7

NR

6

NR

No

75%

75%

100%

80%

43%

NR

33%

NR

Yes

25%

25%

0%

20%

57%

NR

67%

NR

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

n=

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

19 

Table III.C. Results by Financing Sector, All: Community Services/Facilities, 4thQ08 – 3rdQ10  10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

7

6

7

7

5

14

9

7

Decreased

14%

50%

14%

29%

20%

14%

0%

0%

Increased

86%

17%

43%

57%

48%

50%

67%

86%

0%

33%

43%

14%

40%

36%

33%

14%

Number of Financing Applications Received (%)

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

n=

7

6

7

7

5

NR

NR

NR

Decreased

43%

33%

14%

29%

20%

NR

NR

NR

Increased

29%

33%

71%

43%

60%

NR

NR

NR

No Change

29%

33%

14%

29%

20%

NR

NR

NR

7

6

7

7

5

14

9

7

Decreased

29%

17%

57%

29%

20%

7%

33%

14%

Increased

57%

33%

29%

29%

80%

71%

11%

43%

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

14%

50%

14%

43%

0%

21%

56%

43%

Number of Loans/Investments Originated (%)

n=

08Q4

n=

7

6

7

7

5

NR

NR

NR

Decreased

43%

50%

71%

14%

0%

NR

NR

NR

Increased

57%

50%

29%

57%

80%

NR

NR

NR

No Change

0%

0%

0%

29%

20%

NR

NR

NR

Ability to Access Capital (%)

n=

6

5

7

6

5

13

7

5

Decreased

n=

0%

20%

14%

0%

0%

38%

29%

40%

Increased

17%

40%

14%

17%

0%

8%

0%

0%

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

83%

40%

71%

83%

100%

54%

71%

60%

7

6

7

7

5

NR

NR

NR

Decreased

n=

29%

17%

14%

14%

0%

NR

NR

NR

Increased

43%

50%

29%

14%

40%

NR

NR

NR

29%

33%

57%

71%

60%

NR

NR

NR

7

6

7

7

5

14

9

7

Decreased

29%

33%

29%

29%

60%

29%

22%

43%

Increased

43%

17%

29%

43%

0%

14%

0%

14%

No Change

29%

50%

43%

29%

40%

57%

78%

43%

7

6

7

7

5

NR

NR

NR

Decreased

29%

17%

43%

43%

20%

NR

NR

NR

Increased

71%

50%

29%

29%

40%

NR

NR

NR

0%

33%

29%

29%

40%

NR

NR

NR

7

6

7

7

5

14

9

7

Both

14%

17%

29%

14%

0%

14%

0%

29%

Debt

14%

0%

29%

14%

20%

21%

22%

14%

Equity

14%

17%

0%

14%

20%

0%

0%

0%

Neither

57%

67%

43%

57%

60%

64%

78%

57%

-

3

NR

NR

NR

NR

NR

-

$ 8.3

NR

NR

NR

NR

NR NR

No Change Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year (%)

n=

n=

No Change Capital-Constrained (%)

Capital Shortfall During the Quarter

n=

n=

Total Capital Shortfall During the Quarter ($ MM)

$

Average Capital Shortfall During the Quarter ($ MM)

$

-

$

-

$ 2.8

NR

NR

NR

NR

7

5

7

7

5

14

9

7

Decreased

0%

0%

29%

57%

0%

21%

22%

43%

Increased

29%

60%

0%

29%

20%

14%

22%

14%

No Change

71%

40%

71%

14%

80%

64%

56%

43%

Average Cost of Borrowed Capital

$

-

n=

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

20 

Table III.C. Results by Financing Sector, All: Community Services/Facilities, 4thQ08 – 3rdQ10, continued 10Q3 Average Loan Loss Reserve (%)

n=

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

6

5

5

5

NR

NR

NR

NR

6.3%

6.2%

6.1%

8.5%

NR

NR

NR

NR

6

5

5

5

5

13

8

6

31-60 days

2.2%

1.6%

0.4%

3.9%

3.6%

2.5%

1.2%

1.2%

61-90 days

0.2%

0.9%

1.1%

2.9%

0.5%

0.4%

0.3%

0.1%

90+ days

4.3%

5.5%

3.1%

5.1%

2.5%

4.5%

4.5%

5.8%

Total

6.7%

8.0%

4.6%

11.8%

6.6%

7.4%

5.9%

7.6%

4

4

5

NR

NR

NR

NR

NR

0.9%

0.6%

0.5%

NR

NR

NR

NR

NR

4

4

5

NR

NR

NR

NR

NR

7.5%

3.5%

4.5%

NR

NR

NR

NR

NR

6

5

5

5

5

13

8

6

0.6%

0.0%

0.1%

0.0%

0.0%

0.5%

0.0%

0.7%

7

6

7

7

5

14

9

7

Decreased

29%

17%

0%

0%

0%

14%

11%

14%

Increased

57%

33%

29%

14%

40%

21%

56%

29%

14%

50%

71%

86%

60%

64%

33%

57%

7

6

7

7

5

14

9

7

Decreased

43%

33%

14%

29%

40%

14%

22%

0%

Increased

43%

50%

57%

57%

60%

29%

11%

43%

No Change

14%

17%

29%

14%

0%

57%

67%

57%

7

6

7

7

5

NR

NR

NR

Decreased

43%

50%

43%

29%

0%

NR

NR

NR

Increased

57%

33%

29%

71%

100%

NR

NR

NR

No Change

0%

17%

29%

0%

0%

NR

NR

NR

7

6

7

7

5

14

9

7

Decreased

0%

0%

0%

14%

0%

7%

0%

0%

Increased

14%

67%

43%

14%

80%

14%

22%

71%

No Change

86%

33%

57%

71%

20%

79%

78%

29%

7

6

7

6

5

14

9

7

29%

0%

0%

0%

20%

7%

0%

0%

Increased

0%

33%

0%

17%

40%

29%

11%

57%

No Change

71%

67%

100%

83%

40%

64%

89%

43%

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=

Net Charge-Offs Loan Loss Reserve Ratio (%)

n=

No Change Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%) Decreased

n=

n=

n=

n=

 

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

21 

Table III.C. Results by Financing Sector, All: Community Services/Facilities, 4thQ08 – 3rdQ10, continued 10Q3 Expected Demand for Financing (%)

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

7

6

7

7

5

14

9

6

Decrease

0%

0%

0%

0%

0%

21%

11%

0%

Increase

43%

83%

100%

86%

60%

79%

56%

100%

No Change

57%

17%

0%

14%

40%

0%

33%

0%

-

-

7

NR

NR

NR

NR

NR

Projected Financing Next Year (if no Capital Constraints)

n=

10Q2

n=

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

$

-

$

-

$ 109

NR

NR

NR

NR

NR

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

$

-

$

-

$ 16

NR

NR

NR

NR

NR

-

NR

NR

NR

NR

NR

NR

Projected Additional Capital Needed Next Year

n=

-

Projected Total Capital Needed Next Year (MM)

$

-

$

-

NR

NR

NR

NR

NR

NR

Projected Average Capital Needed Next Year (MM)

$

-

$

-

NR

NR

NR

NR

NR

NR

7

6

7

7

5

14

9

7

Deteriorate

14%

33%

43%

29%

40%

29%

11%

57%

Improve

14%

17%

0%

29%

20%

29%

0%

14%

71%

50%

57%

43%

40%

43%

89%

29%

7

5

7

7

5

8

NR

NR

0%

20%

0%

0%

0%

0%

NR

NR

91-180 days

43%

40%

57%

43%

40%

50%

NR

NR

181-365 days

0%

20%

0%

43%

20%

13%

NR

NR

57%

20%

43%

14%

40%

38%

NR

NR

7

6

7

7

5

13

8

7

100%

83%

71%

43%

80%

92%

75%

71%

0%

17%

29%

57%

20%

8%

25%

29%

Expected Change in Portfolio Quality (%)

n=

No Change Days Cash on Hand (%)

n=

0-90 days

greater than 365 Anticipate a Decline in Unrestricted Net Assets in Current FY (%) No Yes

n=

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

22 

Table III.D. Results by Financing Sector, All: Consumer, 4thQ08 – 3rdQ10  10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

7

10

11

10

14

8

NR

6

Decreased

43%

20%

36%

30%

0%

25%

NR

67%

Increased

29%

60%

27%

20%

50%

38%

NR

17%

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

29%

20%

36%

50%

50%

38%

NR

17%

Number of Financing Applications Received (%)

n=

7

10

11

9

14

NR

NR

NR

Decreased

57%

30%

36%

44%

21%

NR

NR

NR

Increased

43%

60%

45%

44%

57%

NR

NR

NR

No Change

0%

10%

18%

11%

21%

NR

NR

NR

Number of Loans/Investments Originated (%)

n=

08Q4

7

10

11

10

14

8

NR

5

Decreased

n=

29%

20%

36%

40%

21%

38%

NR

67%

Increased

29%

50%

27%

30%

50%

25%

NR

17%

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

43%

30%

36%

30%

29%

38%

NR

17%

7

10

11

9

14

NR

NR

NR

Decreased

57%

30%

36%

33%

36%

NR

NR

NR

Increased

43%

60%

36%

56%

36%

NR

NR

NR

No Change

0%

10%

27%

11%

28%

NR

NR

NR

4

5

3

6

5

4

NR

3

Decreased

0%

20%

33%

50%

20%

25%

NR

0%

Increased

25%

20%

0%

17%

40%

0%

NR

33%

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

75%

60%

67%

33%

40%

75%

NR

67%

Ability to Access Capital (%)

n=

n=

4

5

5

4

6

NR

NR

NR

Decreased

n=

0%

20%

20%

25%

17%

NR

NR

NR

Increased

25%

40%

20%

50%

50%

NR

NR

NR

75%

40%

60%

25%

33%

NR

NR

NR

7

10

11

10

14

8

NR

6

Decreased

0%

20%

27%

10%

21%

38%

NR

33%

Increased

86%

10%

9%

40%

0%

38%

NR

33%

No Change

14%

70%

64%

50%

79%

25%

NR

33%

7

10

11

10

14

NR

NR

NR

Decreased

14%

10%

18%

20%

29%

NR

NR

NR

Increased

43%

30%

0%

40%

21%

NR

NR

NR

43%

60%

82%

40%

50%

NR

NR

NR

7

10

10

9

14

8

NR

6

14%

10%

10%

0%

0%

0%

NR

17%

No Change Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year (%)

n=

n=

No Change Capital-Constrained (%)

n=

Both Debt Equity Neither Capital Shortfall During the Quarter

0%

0%

0%

0%

NR

0%

10%

33%

14%

38%

NR

17%

71%

70%

80%

67%

86%

63%

NR

67%

-

1

NA

NR

NR

NR

NR

NR

NA

NR

NR

NR

NR

NR NR

$

Average Capital Shortfall During the Quarter ($ MM) Decreased

0% 20%

n=

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

0% 14%

$ n=

-

$

0.0

-

$

0.0

NA

NR

NR

NR

NR

7

8

11

10

11

8

NR

6

14%

13%

0%

20%

0%

13%

NR

17%

Increased

0%

0%

0%

0%

0%

0%

NR

0%

No Change

86%

88%

100%

80%

100%

88%

NR

83%

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

23 

Table III.D. Results by Financing Sector, All: Consumer, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

6

6

7

8

NR

NR

NR

NR

1.7%

8.1%

2.0%

2.6%

NR

NR

NR

NR

6

6

7

8

14

8

NR

NR

31-60 days

4.4%

1.8%

4.7%

4.2%

2.3%

2.7%

NR

NR

61-90 days

1.9%

1.1%

3.9%

1.4%

1.5%

2.2%

NR

NR

90+ days

1.8%

3.5%

2.5%

1.0%

4.4%

1.5%

NR

NR

Total

8.2%

6.4%

11.0%

6.6%

8.2%

6.4%

NR

NR

3

5

6

NR

NR

NR

NR

NR

0.0%

0.0%

0.0%

NR

NR

NR

NR

NR

3

5

6

NR

NR

NR

NR

NR

0.3%

0.0%

3.1%

NR

NR

NR

NR

NR

Average Loan Loss Reserve (%)

n=

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=

6

6

7

8

14

7

NR

6

0.6%

1.7%

0.4%

2.4%

1.5%

1.0%

NR

3.4%

6

10

11

10

14

8

NR

6

Decreased

0%

20%

9%

10%

29%

13%

NR

17%

Increased

83%

40%

36%

40%

36%

50%

NR

67%

No Change

17%

40%

55%

50%

36%

38%

NR

17%

6

10

11

10

14

8

NR

6

Decreased

0%

30%

27%

30%

21%

25%

NR

17%

Increased

67%

20%

36%

30%

36%

13%

NR

50%

No Change

33%

50%

36%

40%

43%

63%

NR

33%

6

10

11

10

14

NR

NR

NR

Decreased

0%

20%

18%

20%

21%

NR

NR

NR

Increased

100%

40%

45%

60%

35%

NR

NR

NR

0%

40%

36%

20%

43%

NR

NR

NR

6

10

11

9

14

7

NR

6

Decreased

0%

0%

0%

0%

14%

14%

NR

17%

Increased

17%

20%

9%

44%

43%

57%

NR

50%

No Change

83%

80%

91%

56%

14%

29%

NR

33%

6

10

11

10

14

8

NR

6

Decreased

0%

0%

0%

0%

7%

0%

NR

0%

Increased

33%

20%

27%

60%

29%

63%

NR

67%

No Change

67%

80%

73%

40%

64%

38%

NR

33%

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

n=

n=

n=

No Change Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

 

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

24 

Table III.D. Results by Financing Sector, All: Consumer, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

6

10

10

10

14

7

NR

5

Decrease

17%

0%

0%

0%

14%

0%

NR

0%

Increase

50%

70%

50%

50%

36%

29%

NR

60%

No Change

33%

30%

50%

50%

50%

71%

NR

40%

5

9

7

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)

$

13

$

136

$

4

NR

NR

NR

NR

NR

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

$

3

$

15

$

1

NR

NR

NR

NR

NR

10

NR

NR

NR

NR

NR

NR

Projected Additional Capital Needed Next Year

n=

4

Projected Total Capital Needed Next Year (MM)

$

2

$

1

NR

NR

NR

NR

NR

NR

Projected Average Capital Needed Next Year (MM)

$

0

$

0

NR

NR

NR

NR

NR

NR

6

10

11

10

14

8

NR

5

0%

10%

0%

0%

0%

13%

NR

40%

Improve

17%

40%

45%

60%

43%

38%

NR

0%

No Change

83%

50%

55%

40%

57%

50%

NR

60%

6

10

10

10

12

5

NR

NR

0-90 days

17%

10%

20%

40%

8%

80%

NR

NR

91-180 days

17%

40%

30%

0%

58%

0%

NR

NR

181-365 days

17%

10%

30%

20%

0%

0%

NR

NR

greater than 365

50%

40%

20%

40%

33%

20%

NR

NR

6

10

9

10

14

6

NR

6

No

67%

90%

78%

90%

64%

17%

NR

33%

Yes

33%

10%

22%

10%

36%

83%

NR

67%

Expected Change in Portfolio Quality (%)

n=

Deteriorate

Days Cash on Hand (%)

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

n=

n=

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

25 

Table III.E. Results by Financing Sector, All: Housing to Individuals, 4thQ08 – 3rdQ10  10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

17

16

13

15

17

19

13

17

Decreased

35%

38%

31%

33%

29%

16%

23%

35%

Increased

29%

50%

38%

40%

41%

63%

62%

47%

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

35%

13%

31%

27%

29%

21%

15%

18%

Number of Financing Applications Received (%)

n=

17

16

12

14

17

NR

NR

NR

Decreased

59%

50%

17%

21%

18%

NR

NR

NR

Increased

12%

25%

42%

43%

59%

NR

NR

NR

No Change

29%

25%

42%

36%

24%

NR

NR

NR

17

16

13

15

16

18

13

18

Decreased

47%

31%

46%

27%

31%

22%

38%

28%

Increased

18%

50%

23%

27%

44%

39%

46%

50%

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

35%

19%

31%

47%

25%

39%

15%

22%

Number of Loans/Investments Originated (%)

n=

08Q4

n=

17

16

12

15

17

NR

NR

NR

Decreased

53%

50%

25%

27%

29%

NR

NR

NR

Increased

6%

19%

25%

27%

53%

NR

NR

NR

No Change

41%

31%

50%

47%

18%

NR

NR

NR

14

12

10

12

14

11

11

14

Decreased

14%

17%

10%

0%

43%

45%

55%

64%

Increased

50%

25%

30%

25%

21%

9%

18%

7%

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

36%

58%

60%

75%

36%

45%

27%

29%

Ability to Access Capital (%)

n=

n=

14

12

11

12

16

NR

NR

NR

Decreased

14%

17%

0%

8%

44%

NR

NR

NR

Increased

36%

42%

45%

25%

19%

NR

NR

NR

No Change

50%

42%

55%

67%

38%

NR

NR

NR

17

16

13

15

17

18

13

18

Decreased

29%

25%

8%

13%

35%

39%

46%

56%

Increased

41%

19%

31%

40%

29%

17%

23%

28%

No Change

29%

56%

62%

47%

35%

44%

31%

17%

Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year (%)

n=

n=

16

16

12

15

17

NR

NR

NR

Decreased

31%

31%

17%

33%

35%

NR

NR

NR

Increased

25%

25%

33%

40%

35%

NR

NR

NR

No Change

44%

44%

50%

27%

29%

NR

NR

NR

17

15

13

14

17

19

13

18

6%

0%

23%

29%

35%

21%

23%

22%

Capital-Constrained (%)

n=

n=

Both Debt

6%

13%

8%

14%

12%

16%

23%

39%

12%

13%

8%

14%

18%

32%

15%

0%

76%

73%

62%

43%

35%

32%

38%

39%

4

3

2

NR

NR

NR

NR

NR

Total Capital Shortfall During the Quarter ($ MM)

$ 11.8

$ 15.0

$ 4.4

NR

NR

NR

NR

NR

Average Capital Shortfall During the Quarter ($ MM)

$ 2.9

$

5.0

$ 2.2

NR

NR

NR

NR

NR

17

16

11

15

17

18

13

17

18%

25%

9%

20%

0%

6%

31%

12%

Equity Neither Capital Shortfall During the Quarter

Average Cost of Borrowed Capital Decreased

n=

n=

Increased

0%

6%

18%

13%

6%

11%

8%

18%

No Change

82%

69%

73%

67%

94%

83%

62%

71%

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

26 

Table III.E. Results by Financing Sector, All: Housing to Individuals, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

15

13

11

12

NR

NR

NR

NR

7.1%

5.7%

4.3%

3.4%

NR

NR

NR

NR

15

13

11

12

13

14

12

15

31-60 days

2.9%

4.4%

4.6%

2.7%

2.9%

8.1%

1.5%

4.4%

61-90 days

1.2%

1.9%

3.7%

1.5%

1.3%

3.6%

1.2%

3.0%

90+ days

5.4%

6.4%

6.0%

4.6%

7.5%

7.0%

1.7%

9.7%

Total

9.6%

12.8%

14.3%

8.8%

11.7%

18.7%

4.4%

12.7%

14

10

7

NR

NR

NR

NR

NR

0.0%

0.0%

0.0%

NR

NR

NR

NR

NR

Average Loan Loss Reserve (%)

n=

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=

Net Charge-Offs Loan Loss Reserve Ratio (%)

10

7

NR

NR

NR

NR

NR

1.0%

0.6%

NR

NR

NR

NR

NR

15

13

11

12

13

13

12

14

0.4%

0.7%

2.0%

0.5%

0.3%

0.1%

0.2%

1.9%

16

16

13

15

17

19

13

18

Decreased

38%

25%

8%

7%

12%

0%

8%

11%

Increased

31%

38%

38%

33%

24%

21%

46%

22%

No Change

31%

38%

54%

60%

65%

79%

46%

67%

15

16

13

15

17

18

13

18

Decreased

27%

31%

15%

20%

18%

17%

38%

6%

Increased

27%

50%

62%

47%

47%

39%

46%

61%

47%

19%

23%

33%

35%

44%

15%

33%

15

16

12

15

17

NR

NR

NR

Decreased

27%

31%

17%

13%

29%

NR

NR

NR

Increased

27%

63%

67%

67%

41%

NR

NR

NR

No Change

47%

6%

17%

20%

29%

NR

NR

NR

15

16

13

15

17

18

13

17

27%

13%

8%

0%

0%

11%

23%

12%

Increased

7%

19%

46%

53%

41%

44%

31%

47%

No Change

67%

69%

46%

47%

59%

44%

46%

41%

15

16

13

15

17

18

13

18

Decreased

13%

25%

8%

0%

0%

0%

0%

0%

Increased

7%

13%

31%

33%

24%

28%

31%

28%

No Change

80%

63%

62%

67%

76%

72%

69%

72%

Delinquency Rate (%)

n=

14 1.9%

n=

No Change Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

n=

n=

Decreased

Number of Loans Given Term Extensions (%)

n=

 

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

27 

Table III.E. Results by Financing Sector, All: Housing to Individuals, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

17

16

13

14

17

17

13

18

Decrease

18%

6%

15%

0%

6%

0%

8%

11%

Increase

53%

56%

62%

50%

71%

71%

85%

78%

No Change

29%

38%

23%

50%

24%

29%

8%

11%

15

16

12

NR

NR

NR

NR

NR

$ 29

NR

NR

NR

NR

NR

$

2

NR

NR

NR

NR

NR

16

NR

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)

$ 226

$

282

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

$

$

18

Projected Additional Capital Needed Next Year

n=

15 16

Projected Total Capital Needed Next Year (MM)

$ 120

$

75

NR

NR

NR

NR

NR

NR

Projected Average Capital Needed Next Year (MM)

$

$

5

NR

NR

NR

NR

NR

NR

17

16

13

15

0

19

13

18

6%

6%

15%

40%

41%

37%

38%

22%

Improve

47%

50%

38%

33%

18%

42%

15%

61%

No Change

47%

44%

46%

27%

41%

21%

46%

28%

17

16

13

15

17

13

NR

NR

0-90 days

12%

19%

31%

33%

12%

46%

NR

NR

91-180 days

53%

44%

46%

40%

59%

46%

NR

NR

181-365 days

18%

19%

15%

20%

24%

0%

NR

NR

greater than 365

18%

19%

8%

7%

6%

8%

NR

NR

17

15

13

15

17

18

13

18

No

88%

60%

62%

60%

75%

50%

62%

50%

Yes

12%

40%

38%

40%

25%

50%

38%

50%

Expected Change in Portfolio Quality (%)

n=

Deteriorate

Days Cash on Hand (%)

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

n=

n=

8

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

28 

Table III.F. Results by Financing Sector, All: Housing to Organizations, 4thQ08 – 3rdQ10 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

25

34

23

31

29

26

21

33

Decreased

32%

6%

26%

26%

24%

19%

24%

24%

Increased

36%

65%

48%

42%

44%

50%

57%

52%

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

32%

29%

26%

32%

31%

31%

19%

24%

Number of Financing Applications Received (%)

n=

24

34

23

31

28

NR

NR

NR

Decreased

33%

24%

43%

29%

39%

NR

NR

NR

Increased

42%

53%

43%

48%

39%

NR

NR

NR

No Change

25%

24%

13%

23%

21%

NR

NR

NR

25

35

23

31

29

28

22

33

Decreased

44%

11%

52%

29%

21%

11%

41%

39%

Increased

24%

54%

22%

45%

41%

61%

23%

30%

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

32%

34%

26%

26%

38%

29%

36%

30%

Number of Loans/Investments Originated (%)

n=

08Q4

n=

25

35

23

31

28

NR

NR

NR

Decreased

32%

37%

48%

42%

39%

NR

NR

NR

Increased

40%

37%

43%

39%

25%

NR

NR

NR

No Change

28%

26%

9%

19%

36%

NR

NR

NR

22

30

20

24

26

24

15

28

Decreased

14%

20%

15%

21%

23%

33%

27%

39%

Increased

50%

20%

30%

38%

27%

13%

40%

21%

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

36%

60%

55%

42%

50%

54%

33%

39%

Ability to Access Capital (%)

n=

n=

24

29

21

25

25

NR

NR

NR

Decreased

13%

24%

19%

32%

32%

NR

NR

NR

Increased

58%

41%

43%

40%

32%

NR

NR

NR

No Change

29%

34%

38%

28%

36%

NR

NR

NR

25

35

23

31

28

28

22

33

Decreased

24%

51%

35%

35%

25%

46%

32%

33%

Increased

48%

17%

39%

32%

32%

14%

45%

33%

No Change

28%

31%

26%

32%

43%

39%

23%

33%

25

35

23

31

28

NR

NR

NR

Decreased

32%

37%

35%

45%

39%

NR

NR

NR

Increased

56%

46%

52%

42%

29%

NR

NR

NR

No Change

12%

17%

13%

13%

32%

NR

NR

NR

25

35

23

31

28

28

22

33

Both

16%

23%

22%

19%

29%

29%

41%

21%

Debt

4%

3%

0%

13%

18%

21%

18%

18%

Equity

4%

6%

9%

16%

14%

11%

9%

21%

Neither

76%

69%

70%

52%

39%

39%

32%

39%

5

8

4

NR

NR

NR

NR

NR

Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year (%)

Capital-Constrained (%)

Capital Shortfall During the Quarter

n=

n=

n=

n=

n=

Total Capital Shortfall During the Quarter ($ MM)

$ 4.5

$ 40.7

$ 5.0

NR

NR

NR

NR

NR

Average Capital Shortfall During the Quarter ($ MM)

$ 0.9

$

5.1

$ 1.3

NR

NR

NR

NR

NR

25

35

23

31

29

28

22

33

12%

11%

17%

16%

17%

14%

14%

24%

Increased

8%

14%

13%

23%

10%

21%

23%

15%

No Change

80%

74%

70%

61%

72%

64%

64%

61%

Average Cost of Borrowed Capital Decreased

n=

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

29 

Table III.F. Results by Financing Sector, All: Housing to Organizations, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

23

20

22

30

NR

NR

NR

NR

10.5%

9.5%

9.5%

7.3%

NR

NR

NR

NR

23

20

22

30

28

27

22

31

31-60 days

1.1%

1.4%

0.4%

1.4%

1.7%

1.1%

2.1%

1.4%

61-90 days

0.3%

1.5%

1.2%

1.4%

0.4%

0.7%

1.7%

0.9%

90+ days

4.4%

6.9%

6.0%

3.4%

5.2%

6.6%

5.7%

4.5%

Total

5.9%

9.8%

7.7%

6.3%

7.3%

8.4%

9.6%

6.1%

21

20

20

NR

NR

NR

NR

NR

2.9%

1.4%

0.3%

NR

NR

NR

NR

NR

21

20

20

NR

NR

NR

NR

NR

12.5%

4.8%

4.5%

NR

NR

NR

NR

NR

Average Loan Loss Reserve (%)

n=

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=

23

20

22

30

28

27

22

32*

0.7%

0.2%

0.3%

0.9%

0.1%

1.5%

0.5%

0.2%

25

35

22

31

29

28

22

33

Decreased

44%

31%

27%

29%

13%

14%

14%

9%

Increased

20%

29%

41%

29%

45%

43%

50%

52%

No Change

36%

40%

32%

42%

41%

43%

36%

39%

24

35

23

30

29

28

22

33

Decreased

38%

34%

43%

33%

21%

36%

18%

12%

Increased

25%

20%

26%

37%

28%

18%

41%

45%

No Change

38%

46%

30%

30%

52%

46%

41%

42%

24

35

23

31

28

NR

NR

NR

Decreased

54%

43%

39%

23%

32%

NR

NR

NR

Increased

21%

34%

35%

55%

32%

NR

NR

NR

No Change

25%

23%

26%

23%

36%

NR

NR

NR

24

33

23

31

29

28

22

33

Decreased

38%

9%

22%

13%

17%

11%

18%

3%

Increased

21%

36%

30%

52%

38%

50%

45%

55%

No Change

42%

55%

48%

35%

45%

39%

36%

42%

23

35

23

31

28

28

22

33

Decreased

22%

20%

26%

13%

18%

14%

23%

9%

Increased

26%

31%

39%

48%

29%

57%

50%

55%

No Change

52%

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, Third Quarter 2010, Report II – Detailed Tables

30 

Table III.F. Results by Financing Sector, All: Housing to Organizations, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

25

34

23

31

28

28

22

33

Decrease

4%

3%

0%

10%

7%

11%

5%

6%

Increase

64%

71%

70%

77%

59%

64%

68%

70%

No Change

32%

26%

30%

13%

35%

25%

27%

24%

23

35

17

NR

NR

NR

NR

NR

$ 76

NR

NR

NR

NR

NR

$

4

NR

NR

NR

NR

NR

35

NR

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)

$ 353

$

672

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

$

$

19

Projected Additional Capital Needed Next Year

n=

15 22

Projected Total Capital Needed Next Year (MM)

$

60

$

138

NR

NR

NR

NR

NR

NR

Projected Average Capital Needed Next Year (MM)

$

3

$

4

NR

NR

NR

NR

NR

NR

Expected Change in Portfolio Quality (%)

n=

25

35

23

31

28

28

22

33**

4%

6%

4%

42%

50%

54%

50%

36%

Improve

56%

37%

52%

23%

25%

18%

32%

55%

No Change

40%

57%

43%

35%

25%

29%

18%

24%

25

34

22

30

27

22

NR

NR

0-90 days

0%

9%

5%

7%

11%

5%

NR

NR

91-180 days

4%

12%

9%

17%

19%

9%

NR

NR

181-365 days

36%

29%

59%

30%

33%

50%

NR

NR

greater than 365

60%

50%

27%

47%

37%

36%

NR

NR

25

35

23

31

28

28

21

32

No

84%

69%

78%

81%

71%

61%

71%

63%

Yes

16%

31%

22%

19%

29%

39%

29%

38%

Deteriorate

Days Cash on Hand (%)

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

n=

n=

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

31 

Table III.G. Results by Financing Sector, All: Microenterprise, 4thQ08 – 3rdQ10 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

23

17

18

16

13

20

11

22

Decreased

22%

29%

17%

50%

15%

10%

9%

9%

Increased

61%

65%

61%

44%

69%

80%

73%

77%

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

17%

6%

22%

6%

15%

10%

18%

14%

Number of Financing Applications Received (%)

n=

23

17

18

16

13

NR

NR

NR

Decreased

22%

29%

11%

19%

23%

NR

NR

NR

Increased

74%

59%

61%

81%

77%

NR

NR

NR

No Change

4%

12%

28%

0%

0%

NR

NR

NR

23

17

18

16

13

20

12

21

Decreased

17%

24%

33%

31%

23%

20%

42%

24%

Increased

65%

59%

50%

31%

62%

50%

42%

67%

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

17%

18%

17%

38%

15%

30%

17%

10%

Number of Loans/Investments Originated (%)

n=

08Q4

n=

23

17

18

16

13

NR

NR

NR

Decreased

39%

18%

39%

13%

15%

NR

NR

NR

Increased

52%

71%

39%

69%

69%

NR

NR

NR

No Change

9%

12%

22%

19%

15%

NR

NR

NR

18

13

15

10

8

15

8

19

Decreased

11%

0%

7%

30%

25%

27%

13%

32%

Increased

28%

8%

33%

0%

25%

27%

63%

32%

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

61%

92%

60%

70%

50%

47%

25%

37%

Ability to Access Capital (%)

n=

n=

18

14

16

10

9

NR

NR

NR

Decreased

6%

7%

13%

40%

22%

NR

NR

NR

Increased

50%

57%

38%

20%

44%

NR

NR

NR

No Change

44%

36%

50%

40%

33%

NR

NR

NR

21

16

17

16

13

20

12

22

Decreased

24%

25%

24%

25%

23%

55%

25%

45%

Increased

38%

44%

35%

31%

38%

15%

33%

23%

No Change

38%

31%

41%

44%

38%

30%

42%

32%

22

16

18

16

13

NR

NR

NR

Decreased

23%

25%

22%

19%

31%

NR

NR

NR

Increased

59%

50%

56%

44%

15%

NR

NR

NR

No Change

18%

25%

22%

38%

54%

NR

NR

NR

23

17

18

16

13

20

12

22

9%

18%

0%

13%

8%

10%

8%

18%

Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year (%)

Capital-Constrained (%)

n=

n=

n=

n=

Both Debt Equity Neither Capital Shortfall During the Quarter

n=

4%

0%

6%

19%

15%

20%

25%

9%

22%

6%

11%

19%

15%

15%

17%

14%

65%

76%

83%

50%

62%

55%

50%

59%

7

3

3

NR

NR

NR

NR

NR

Total Capital Shortfall During the Quarter ($ MM)

$ 1.9

$

1.1

$ 0.8

NR

NR

NR

NR

NR

Average Capital Shortfall During the Quarter ($ MM)

$ 0.3

$

0.4

$ 0.3

NR

NR

NR

NR

NR

22

17

18

15

13

20

12

22

0%

18%

11%

20%

8%

15%

17%

5%

Average Cost of Borrowed Capital Decreased

n=

Increased

5%

0%

6%

7%

0%

5%

8%

9%

No Change

95%

82%

83%

73%

92%

80%

75%

86%

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

32 

Table III.G. Results by Financing Sector, All: Microenterprise, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

21

13

13

12

NR

NR

NR

NR

13.4%

23.9%

16.9%

12.7%

NR

NR

NR

NR

21

13

14

12

13

20

12

22

31-60 days

2.1%

2.7%

2.6%

3.2%

3.3%

2.5%

7.3%

3.8%

61-90 days

3.1%

1.5%

1.8%

1.6%

2.1%

1.4%

4.4%

2.1%

90+ days

5.7%

4.4%

5.4%

8.4%

5.3%

9.3%

7.0%

10.1%

10.9%

8.6%

9.8%

13.2%

10.6%

13.2%

18.7%

15.9%

19

12

12

NR

NR

NR

NR

NR

0.6%

3.5%

0.2%

NR

NR

NR

NR

NR

19

12

12

NR

NR

NR

NR

NR

8.5%

6.1%

6.6%

NR

NR

NR

NR

NR

Average Loan Loss Reserve (%)

n=

Loan Loss Reserve Average Portfolio-at-Risk

n=

Total Average Non-Accruals (%)

n=

Non-Accruals Average Loans Restructured (%)

n=

Loans Restructured Average Net Charge-Offs (%)

n=

21

13

14

12

13

18

12

21*

1.2%

1.7%

2.1%

3.5%

2.4%

1.2%

1.1%

4.9%

21

16

17

15

13

20

12

22

Decreased

24%

13%

18%

27%

0%

10%

0%

18%

Increased

24%

38%

35%

33%

46%

40%

67%

41%

No Change

52%

50%

47%

40%

54%

50%

33%

41%

22

17

18

16

13

20

12

22

Decreased

50%

41%

44%

56%

23%

40%

17%

18%

Increased

41%

29%

33%

44%

62%

45%

50%

50%

No Change

9%

29%

22%

0%

15%

15%

33%

32%

21

17

18

16

13

NR

NR

NR

Decreased

57%

47%

39%

44%

23%

NR

NR

NR

Increased

29%

41%

50%

50%

62%

NR

NR

NR

No Change

14%

12%

11%

6%

15%

NR

NR

NR

22

17

18

16

13

20

12

22

Decreased

27%

12%

6%

6%

8%

15%

8%

5%

Increased

27%

41%

44%

69%

62%

45%

58%

68%

No Change

45%

47%

50%

25%

31%

40%

33%

27%

22

17

18

16

13

20

12

22

Decreased

36%

18%

17%

13%

0%

5%

0%

0%

Increased

18%

18%

33%

31%

46%

65%

58%

73%

No Change

45%

65%

50%

56%

54%

30%

42%

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=

n=

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

33 

Table III.G. Results by Financing Sector, All: Microenterprise, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

23

17

18

16

13

20

12

22

Decrease

9%

0%

0%

19%

8%

5%

0%

0%

Increase

61%

65%

83%

63%

77%

80%

92%

95%

No Change

30%

35%

17%

19%

15%

15%

8%

5%

21

16

14

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

57

$

37

$

8

NR

NR

NR

NR

NR

$

3

$

2

$

1

NR

NR

NR

NR

NR

16

NR

NR

NR

NR

NR

NR

n=

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

$

n=

21 $

15

$

8

NR

NR

NR

NR

NR

NR

$

1

$

0

NR

NR

NR

NR

NR

NR

23

17

18

16

13

20

12

22**

4%

0%

11%

13%

8%

15%

17%

55%

Improve

30%

59%

44%

50%

54%

50%

58%

50%

No Change

65%

41%

44%

38%

38%

35%

25%

23%

22

16

18

15

13

14

NR

NR

0-90 days

18%

13%

28%

13%

15%

57%

NR

NR

91-180 days

32%

31%

28%

47%

31%

29%

NR

NR

181-365 days

23%

31%

39%

40%

46%

7%

NR

NR

greater than 365

27%

25%

6%

0%

8%

7%

NR

NR

21

15

18

16

13

20

12

20

No

86%

100%

72%

75%

62%

70%

75%

75%

Yes

14%

0%

28%

25%

38%

30%

25%

25%

Deteriorate

Days Cash on Hand (%)

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

n=

n=

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

34 

Table IV.A. Results by Region All: Midwest CDFIs, 4thQ08 – 3rdQ10 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

27

27

25

25

27

30

23

22

Decreased

30%

19%

16%

24%

15%

7%

17%

18%

Increased

26%

52%

48%

36%

67%

73%

61%

68%

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

44%

30%

36%

40%

19%

20%

22%

14%

Number of Financing Applications Received (%)

n=

27

27

25

25

26

NR

NR

NR

Decreased

44%

26%

16%

16%

12%

NR

NR

NR

Increased

33%

52%

48%

52%

73%

NR

NR

NR

No Change

22%

22%

36%

32%

15%

NR

NR

NR

27

28

25

25

27

30

23

21

Decreased

41%

11%

48%

20%

11%

10%

43%

29%

Increased

26%

57%

32%

44%

59%

57%

26%

52%

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

33%

32%

20%

36%

30%

33%

30%

19%

Number of Loans/Investments Originated (%)

n=

08Q4

n=

27

28

25

25

26

NR

NR

NR

Decreased

33%

36%

48%

24%

27%

NR

NR

NR

Increased

26%

46%

28%

52%

50%

NR

NR

NR

No Change

41%

18%

24%

24%

23%

NR

NR

NR

22

18

18

17

24

24

20

20

Decreased

5%

0%

33%

18%

21%

33%

40%

15%

Increased

41%

39%

22%

29%

21%

21%

20%

35%

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

55%

61%

44%

53%

58%

46%

40%

50%

Ability to Access Capital (%)

n=

n=

24

18

18

19

23

NR

NR

NR

Decreased

8%

17%

11%

42%

22%

NR

NR

NR

Increased

50%

50%

44%

26%

30%

NR

NR

NR

No Change

42%

33%

44%

32%

48%

NR

NR

NR

26

28

25

25

26

29

23

22

Decreased

23%

32%

20%

20%

23%

31%

35%

27%

Increased

46%

29%

36%

20%

31%

24%

35%

36%

No Change

31%

39%

44%

60%

46%

45%

30%

36%

27

28

25

24

26

NR

NR

NR

Decreased

22%

25%

16%

17%

27%

NR

NR

NR

Increased

44%

43%

56%

42%

58%

NR

NR

NR

No Change

33%

32%

28%

42%

15%

NR

NR

NR

27

28

25

25

26

30

23

22

4%

4%

16%

24%

15%

23%

26%

18%

Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year (%)

Capital-Constrained (%)

n=

n=

n=

n=

Both Debt

7%

0%

8%

8%

15%

7%

9%

9%

15%

11%

0%

12%

8%

7%

4%

23%

74%

86%

76%

56%

62%

63%

61%

50%

6

3

6

NR

NR

NR

NR

NR

Total Capital Shortfall During the Quarter ($ MM)

$ 1.3

$ 43.3

$ 3.2

NR

NR

NR

NR

NR

Average Capital Shortfall During the Quarter ($ MM)

$ 0.2

$ 14.4

$ 0.5

NR

NR

NR

NR

NR

27

28

25

25

27

29

23

22

11%

7%

12%

20%

7%

14%

9%

14%

Equity Neither Capital Shortfall During the Quarter

Average Cost of Borrowed Capital Decreased

n=

n=

Increased

4%

7%

0%

8%

7%

10%

22%

14%

No Change

85%

86%

88%

72%

85%

76%

70%

73%

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

35 

Table IV.A. Results by Region All: Midwest CDFIs, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

25

19

30

23

NR

NR

NR

NR

11.6%

11.8%

11.5%

8.5%

NR

NR

NR

NR

25

19

30

23

23

27

21

21

31-60 days

2.6%

6.5%

4.2%

1.2%

2.2%

3.5%

2.9%

2.5%

61-90 days

1.0%

1.0%

3.0%

1.9%

0.7%

1.6%

1.9%

2.0%

90+ days

4.2%

5.6%

6.0%

4.8%

6.9%

3.6%

2.9%

5.1%

Total

7.8%

13.1%

13.2%

7.9%

9.8%

8.7%

7.7%

9.7%

24

17

26

NR

NR

NR

NR

NR

1.1%

1.5%

0.1%

NR

NR

NR

NR

NR

24

17

26

NR

NR

NR

NR

NR

7.7%

3.7%

5.7%

NR

NR

NR

NR

NR

Average Loan Loss Reserve (%)

n=

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=

25

19

30

23

23

27

23

20

Net Charge-Offs

%=

0.6%

0.4%

1.8%

0.9%

0.7%

0.5%

0.6%

1.2%

Loan Loss Reserve Ratio (%)

n=

26

28

25

25

27

30

23

22

Decreased

38%

14%

12%

12%

7%

10%

17%

23%

Increased

31%

46%

36%

40%

33%

30%

39%

18%

No Change

31%

39%

52%

48%

59%

60%

43%

59%

26

28

25

25

27

30

23

22

Decreased

42%

39%

20%

24%

19%

27%

30%

14%

Increased

31%

43%

48%

36%

44%

43%

26%

41%

No Change

27%

18%

32%

40%

37%

30%

43%

45%

26

28

25

25

26

NR

NR

NR

Decreased

46%

32%

32%

32%

15%

NR

NR

NR

Increased

31%

46%

52%

44%

50%

NR

NR

NR

No Change

23%

21%

16%

24%

35%

NR

NR

NR

26

27

25

25

27

27

22

22

Decreased

27%

4%

12%

8%

7%

15%

5%

0%

Increased

19%

41%

40%

48%

44%

37%

45%

45%

No Change

54%

56%

48%

44%

48%

48%

50%

55%

25

28

24

25

26

28

22

21

Decreased

20%

11%

8%

4%

4%

0%

5%

5%

Increased

16%

32%

50%

48%

35%

36%

36%

48%

No Change

64%

57%

42%

48%

62%

64%

59%

48%

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, Third Quarter 2010, Report II – Detailed Tables

36 

Table IV.A. Results by Region All: Midwest CDFIs, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

27

28

25

25

26

27

23

22

Decrease

7%

0%

0%

4%

4%

7%

0%

9%

Increase

67%

75%

84%

80%

58%

70%

83%

91%

No Change

26%

25%

16%

16%

38%

22%

17%

0%

25

27

24

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)

$ 429

$

623

$ 244

NR

NR

NR

NR

NR

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

$

$

23

$ 10

NR

NR

NR

NR

NR

27

NR

NR

NR

NR

NR

NR

Projected Additional Capital Needed Next Year

n=

17 24

Projected Total Capital Needed Next Year (MM)

$

41

$

100

NR

NR

NR

NR

NR

NR

Projected Average Capital Needed Next Year (MM)

$

2

$

4

NR

NR

NR

NR

NR

NR

27

28

25

25

26

29

23

22

7%

14%

20%

48%

46%

45%

61%

27%

Improve

48%

39%

52%

28%

15%

24%

17%

45%

No Change

44%

46%

28%

24%

38%

31%

22%

27%

27

27

25

25

25

22

NR

NR

7%

11%

20%

16%

16%

41%

NR

NR

91-180 days

33%

33%

20%

32%

24%

23%

NR

NR

181-365 days

22%

19%

28%

28%

16%

23%

NR

NR

greater than 365

37%

37%

32%

24%

44%

14%

NR

NR

26

28

25

24

26

28

23

21

No

77%

71%

76%

63%

65%

75%

65%

62%

Yes

23%

29%

24%

38%

35%

25%

35%

38%

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=

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

37 

Table IV.B. Results by Region All: Northeast CDFIs, 4thQ08 – 3rdQ10 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

34

34

26

30

31

35

27

35

Decreased

44%

24%

31%

37%

19%

29%

19%

26%

Increased

38%

56%

42%

27%

48%

37%

52%

57%

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

18%

21%

27%

37%

32%

34%

30%

17%

Number of Financing Applications Received (%)

n=

33

33

26

28

31

NR

NR

NR

Decreased

42%

45%

42%

29%

23%

NR

NR

NR

Increased

48%

30%

38%

54%

61%

NR

NR

NR

No Change

9%

24%

19%

18%

16%

NR

NR

NR

34

34

26

30

31

35

28

34

Decreased

47%

26%

38%

37%

29%

26%

39%

38%

Increased

35%

44%

38%

37%

48%

37%

36%

41%

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

18%

29%

23%

27%

23%

37%

25%

21%

Number of Loans/Investments Originated (%)

n=

08Q4

n=

34

34

26

30

31

NR

NR

NR

Decreased

53%

47%

38%

33%

35%

NR

NR

NR

Increased

41%

32%

46%

50%

35%

NR

NR

NR

No Change

6%

21%

15%

17%

29%

NR

NR

NR

27

30

22

25

25

31

23

25

Decreased

7%

10%

0%

8%

24%

32%

43%

56%

Increased

37%

23%

18%

32%

24%

16%

17%

16%

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

56%

67%

82%

60%

52%

52%

39%

28%

Ability to Access Capital (%)

n=

n=

29

29

24

24

25

NR

NR

NR

Decreased

3%

10%

13%

29%

32%

NR

NR

NR

Increased

66%

45%

42%

33%

24%

NR

NR

NR

No Change

31%

45%

46%

38%

44%

NR

NR

NR

34

34

25

30

31

36

28

35

Decreased

12%

29%

24%

20%

23%

47%

57%

60%

Increased

53%

35%

28%

47%

35%

22%

14%

23%

No Change

35%

35%

48%

33%

42%

31%

29%

17%

34

34

26

30

31

NR

NR

NR

Decreased

12%

29%

31%

33%

26%

NR

NR

NR

Increased

65%

44%

35%

43%

29%

NR

NR

NR

No Change

24%

26%

35%

23%

45%

NR

NR

NR

34

32

26

28

29

36

28

35

Both

9%

9%

15%

25%

28%

25%

29%

31%

Debt

0%

0%

0%

7%

17%

14%

25%

20%

Equity

9%

19%

8%

18%

7%

19%

11%

11%

Neither

82%

72%

77%

50%

48%

42%

36%

37%

4

5

6

NR

NR

NR

NR

NR

Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year (%)

Capital-Constrained (%)

Capital Shortfall During the Quarter

n=

n=

n=

n=

n=

Total Capital Shortfall During the Quarter ($ MM)

$ 5.8

$

8.4

$ 3.2

NR

NR

NR

NR

NR

Average Capital Shortfall During the Quarter ($ MM)

$ 1.4

$

1.7

$ 0.5

NR

NR

NR

NR

NR

34

34

25

30

29

35

28

34

Decreased

18%

21%

20%

20%

10%

20%

25%

9%

Increased

15%

21%

8%

17%

14%

20%

18%

21%

No Change

68%

59%

72%

63%

76%

60%

57%

71%

Average Cost of Borrowed Capital

n=

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

38 

Table IV.B. Results by Region All: Northeast CDFIs, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

31

19

30

23

NR

NR

NR

NR

8.9%

11.8%

11.5%

8.5%

NR

NR

NR

NR

31

19

30

23

23

27

21

21

31-60 days

3.5%

6.5%

4.2%

1.2%

2.2%

3.5%

2.9%

2.5%

61-90 days

2.0%

1.0%

3.0%

1.9%

0.7%

1.6%

1.9%

2.0%

90+ days

4.9%

5.6%

6.0%

4.8%

6.9%

3.6%

2.9%

5.1%

10.4%

13.1%

13.2%

7.9%

9.8%

8.7%

7.7%

9.7%

26

17

26

NR

NR

NR

NR

NR

0.5%

1.5%

0.1%

NR

NR

NR

NR

NR

Average Loan Loss Reserve (%)

n=

Loan Loss Reserve Average Portfolio-at-Risk

n=

Total Average Non-Accruals (%)

n=

Non-Accruals Average Loans Restructured (%)

n=

Loans Restructured

26

17

26

NR

NR

NR

NR

NR

9.0%

3.7%

5.7%

NR

NR

NR

NR

NR

Average Net Charge-Offs (%)

n=

31

19

30

23

23

27

23

20

Net Charge-Offs

%=

1.2%

0.4%

1.8%

0.9%

0.7%

0.5%

0.6%

1.2%

Loan Loss Reserve Ratio (%)

n=

32

34

24

30

31

36

28

34

Decreased

25%

26%

21%

13%

13%

11%

7%

18%

Increased

34%

24%

25%

33%

39%

36%

46%

50%

No Change

41%

50%

54%

53%

48%

53%

46%

32%

Delinquency Rate (%)

32

34

26

30

31

36

28

34

Decreased

38%

26%

46%

30%

13%

39%

14%

21%

Increased

47%

29%

27%

40%

45%

28%

32%

50%

No Change

16%

44%

27%

30%

42%

33%

54%

29%

Delinquency Rate, Change from Previous Year (%)

n=

31

33

26

30

31

NR

NR

NR

Decreased

39%

42%

38%

30%

39%

NR

NR

NR

Increased

48%

36%

42%

37%

35%

NR

NR

NR

No Change

13%

21%

19%

33%

26%

NR

NR

NR

31

34

26

30

31

35

28

35

Decreased

19%

18%

15%

3%

3%

11%

7%

6%

Increased

16%

29%

42%

53%

42%

51%

36%

63%

65%

53%

42%

43%

55%

37%

57%

31%

31

33

26

30

31

35

28

35

Decreased

23%

21%

19%

7%

10%

6%

4%

3%

Increased

16%

21%

23%

27%

19%

46%

39%

49%

No Change

61%

58%

58%

67%

71%

49%

57%

49%

Number of Loans/Investments in Workout (%)

n=

n=

No Change Number of Loans Given Term Extensions (%)

n=

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

39 

Table IV.B. Results by Region All: Northeast CDFIs, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

33

34

26

25

26

27

23

22

Decrease

15%

6%

0%

4%

4%

7%

0%

9%

Increase

48%

50%

65%

80%

58%

70%

83%

91%

No Change

36%

44%

35%

16%

38%

22%

17%

0%

30

33

24

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)

$ 336

$

464

$ 244

NR

NR

NR

NR

NR

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

$

$

14

$ 10

NR

NR

NR

NR

NR

34

NR

NR

NR

NR

NR

NR

Projected Additional Capital Needed Next Year

n=

11 28

Projected Total Capital Needed Next Year (MM)

$

81

$

111

NR

NR

NR

NR

NR

NR

Projected Average Capital Needed Next Year (MM)

$

3

$

3

NR

NR

NR

NR

NR

NR

32

34

26

25

26

29

23

22

3%

3%

4%

48%

46%

45%

61%

27%

Improve

28%

24%

38%

28%

15%

24%

17%

45%

No Change

69%

74%

58%

24%

38%

31%

22%

27%

33

33

24

25

25

22

NR

NR

6%

21%

21%

16%

16%

41%

NR

NR

91-180 days

30%

24%

29%

32%

24%

23%

NR

NR

181-365 days

36%

24%

33%

28%

16%

23%

NR

NR

greater than 365

27%

30%

17%

24%

44%

14%

NR

NR

33

31

25

24

26

28

23

21

No

91%

77%

80%

63%

65%

75%

65%

62%

Yes

9%

23%

20%

38%

35%

25%

35%

38%

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=

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

40 

Table IV.C. Results by Region All: South CDFIs, 4thQ08 – 3rdQ10  10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

30

33

36

35

40

36

32

30

Decreased

23%

21%

25%

23%

8%

14%

22%

10%

Increased

53%

58%

50%

34%

53%

53%

47%

60%

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

23%

21%

25%

43%

40%

33%

31%

30%

Number of Financing Applications Received (%)

n=

30

33

36

35

40

NR

NR

NR

Decreased

37%

27%

22%

23%

18%

NR

NR

NR

Increased

43%

61%

56%

49%

58%

NR

NR

NR

No Change

20%

12%

22%

29%

25%

NR

NR

NR

30

33

36

35

39

36

32

30

Decreased

30%

21%

36%

23%

18%

14%

25%

20%

Increased

50%

45%

31%

31%

46%

56%

31%

57%

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

20%

33%

33%

46%

36%

31%

44%

23%

Number of Loans/Investments Originated (%)

n=

08Q4

n=

30

33

36

35

40

NR

NR

NR

Decreased

50%

30%

36%

26%

18%

NR

NR

NR

Increased

43%

58%

36%

43%

48%

NR

NR

NR

No Change

7%

12%

28%

31%

35%

NR

NR

NR

26

30

27

23

30

31

23

25

Decreased

12%

13%

15%

17%

23%

35%

30%

36%

Increased

38%

23%

30%

26%

33%

19%

35%

8%

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

50%

63%

56%

57%

43%

45%

35%

56%

Ability to Access Capital (%)

n=

n=

27

29

30

26

31

NR

NR

NR

Decreased

7%

21%

20%

15%

35%

NR

NR

NR

Increased

48%

52%

30%

46%

29%

NR

NR

NR

No Change

44%

28%

50%

38%

35%

NR

NR

NR

30

33

36

35

40

36

32

31

Decreased

30%

39%

22%

26%

28%

31%

31%

32%

Increased

47%

27%

33%

31%

33%

25%

34%

26%

No Change

23%

33%

44%

43%

40%

44%

34%

42%

30

33

36

35

39

NR

NR

NR

Decreased

43%

33%

28%

40%

36%

NR

NR

NR

Increased

47%

33%

33%

37%

23%

NR

NR

NR

No Change

10%

33%

39%

23%

41%

NR

NR

NR

30

33

36

35

39

36

32

31

Both

20%

24%

22%

26%

28%

28%

31%

19%

Debt

Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year (%)

Capital-Constrained (%)

n=

n=

n=

n=

13%

3%

6%

17%

10%

14%

13%

13%

Equity

7%

12%

17%

20%

18%

17%

9%

16%

Neither

60%

61%

56%

37%

44%

42%

47%

52%

10

10

6

NR

NR

NR

NR

NR

Capital Shortfall During the Quarter

n=

Total Capital Shortfall During the Quarter ($ MM)

$ 17.5

$ 25.3

$ 3.2

NR

NR

NR

NR

NR

Average Capital Shortfall During the Quarter ($ MM)

$ 1.7

$

2.5

$ 0.5

NR

NR

NR

NR

NR

29

30

35

34

39

36

32

31

Decreased

14%

13%

11%

18%

13%

17%

16%

23%

Increased

10%

20%

9%

9%

10%

14%

9%

6%

No Change

76%

67%

80%

74%

77%

69%

75%

71%

Average Cost of Borrowed Capital

n=

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

41 

Table IV.C. Results by Region All: South CDFIs, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

24

19

30

23

NR

NR

NR

NR

9.9%

11.8%

11.5%

8.5%

NR

NR

NR

NR

24

19

30

23

23

27

21

21

31-60 days

1.5%

6.5%

4.2%

1.2%

2.2%

3.5%

2.9%

2.5%

61-90 days

0.6%

1.0%

3.0%

1.9%

0.7%

1.6%

1.9%

2.0%

90+ days

6.6%

5.6%

6.0%

4.8%

6.9%

3.6%

2.9%

5.1%

Total

8.7%

13.1%

13.2%

7.9%

9.8%

8.7%

7.7%

9.7%

17

17

26

NR

NR

NR

NR

NR

0.8%

1.5%

0.1%

NR

NR

NR

NR

NR

17

17

26

NR

NR

NR

NR

NR

4.4%

3.7%

5.7%

NR

NR

NR

NR

NR

Average Loan Loss Reserve (%)

n=

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

19

30

23

23

27

23

20

Net Charge-Offs

%=

0.6%

0.4%

1.8%

0.9%

0.7%

0.5%

0.6%

1.2%

Loan Loss Reserve Ratio (%)

n=

29

33

36

35

40

36

32

31

Decreased

31%

18%

11%

26%

13%

8%

13%

6%

Increased

41%

45%

47%

29%

45%

44%

53%

52%

No Change

28%

36%

42%

46%

43%

47%

34%

42%

28

33

36

34

40

35

32

31

Decreased

36%

33%

33%

35%

20%

23%

16%

0%

Increased

29%

27%

36%

35%

35%

37%

28%

48%

No Change

36%

39%

31%

29%

45%

40%

56%

52%

27

33

36

35

40

NR

NR

NR

Decreased

41%

42%

22%

23%

20%

NR

NR

NR

Increased

41%

36%

44%

60%

50%

NR

NR

NR

No Change

19%

21%

33%

17%

30%

NR

NR

NR

28

32

36

34

40

36

32

30

Decreased

21%

6%

14%

9%

10%

8%

9%

10%

Increased

21%

38%

28%

41%

43%

47%

44%

63%

57%

56%

58%

50%

48%

44%

47%

27%

29

33

36

34

40

36

32

31

Decreased

28%

24%

14%

12%

5%

11%

9%

6%

Increased

21%

24%

22%

35%

38%

42%

38%

55%

No Change

52%

52%

64%

53%

58%

47%

53%

39%

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

n=

n=

n=

No Change Number of Loans Given Term Extensions (%)

n=

 

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

42 

Table IV.C. Results by Region All: South CDFIs, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

29

32

35

25

26

27

23

22

Decrease

7%

0%

3%

4%

4%

7%

0%

9%

Increase

72%

78%

63%

80%

58%

70%

83%

91%

No Change

21%

22%

34%

16%

38%

22%

17%

0%

25

33

24

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)

$ 501

$

565

$ 244

NR

NR

NR

NR

NR

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

$

$

17

$ 10

NR

NR

NR

NR

NR

33

NR

NR

NR

NR

NR

NR

Projected Additional Capital Needed Next Year

n=

20 25

Projected Total Capital Needed Next Year (MM)

$ 166

$

198

NR

NR

NR

NR

NR

NR

Projected Average Capital Needed Next Year (MM)

$

$

6

NR

NR

NR

NR

NR

NR

29

33

36

25

26

29

23

22

3%

12%

6%

48%

46%

45%

61%

27%

Improve

41%

45%

36%

28%

15%

24%

17%

45%

No Change

55%

42%

58%

24%

38%

31%

22%

27%

30

32

36

25

25

22

NR

NR

7%

13%

11%

16%

16%

41%

NR

NR

91-180 days

27%

22%

39%

32%

24%

23%

NR

NR

181-365 days

23%

22%

31%

28%

16%

23%

NR

NR

greater than 365

43%

44%

19%

24%

44%

14%

NR

NR

29

33

35

24

26

28

23

21

No

86%

76%

80%

63%

65%

75%

65%

62%

Yes

14%

24%

20%

38%

35%

25%

35%

38%

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=

7

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

43 

Table IV.D. Results by Region All: West CDFIs, 4thQ08 – 3rdQ10 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

30

29

18

30

23

25

22

29

Decreased

30%

28%

17%

33%

26%

12%

9%

21%

Increased

37%

48%

56%

60%

65%

84%

82%

69%

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

33%

24%

28%

7%

9%

4%

9%

10%

Number of Financing Applications Received (%)

n=

30

27

17

29

23

NR

NR

NR

Decreased

37%

37%

12%

24%

30%

NR

NR

NR

Increased

40%

37%

71%

69%

52%

NR

NR

NR

No Change

23%

26%

18%

7%

17%

NR

NR

NR

30

29

18

30

23

26

23

30

Decreased

37%

28%

39%

33%

26%

12%

30%

30%

Increased

30%

48%

44%

47%

48%

58%

39%

43%

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

33%

24%

17%

20%

26%

31%

30%

27%

Number of Loans/Investments Originated (%)

n=

08Q4

n=

30

29

17

29

23

NR

NR

NR

Decreased

27%

41%

24%

31%

35%

NR

NR

NR

Increased

43%

38%

59%

55%

35%

NR

NR

NR

No Change

30%

21%

18%

14%

30%

NR

NR

NR

26

23

12

25

15

17

16

23

Decreased

12%

22%

8%

36%

40%

35%

50%

48%

Increased

54%

17%

42%

12%

7%

18%

19%

22%

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

35%

61%

50%

52%

53%

47%

31%

30%

Ability to Access Capital (%)

n=

n=

26

25

14

21

17

NR

NR

NR

Decreased

15%

24%

14%

29%

29%

NR

NR

NR

Increased

54%

32%

36%

14%

18%

NR

NR

NR

No Change

31%

44%

50%

57%

53%

NR

NR

NR

29

28

18

30

23

26

23

30

Decreased

21%

29%

17%

23%

30%

42%

30%

40%

Increased

48%

25%

50%

37%

26%

15%

35%

30%

No Change

31%

46%

33%

40%

43%

42%

35%

30%

28

28

17

30

23

NR

NR

NR

Decreased

21%

25%

29%

27%

39%

NR

NR

NR

Increased

54%

39%

41%

33%

26%

NR

NR

NR

No Change

25%

36%

29%

40%

35%

NR

NR

NR

30

29

17

30

23

26

23

30

Both

13%

14%

0%

7%

17%

12%

13%

27%

Debt

3%

7%

6%

10%

9%

19%

17%

17%

Equity

3%

3%

0%

23%

13%

15%

13%

7%

Neither

80%

76%

94%

60%

61%

54%

57%

50%

7

5

6

NR

NR

NR

NR

NR

Capital Liquidity (%)

Capital Liquidity, Change Over Previous Year (%)

Capital-Constrained (%)

Capital Shortfall During the Quarter

n=

n=

n=

n=

n=

Total Capital Shortfall During the Quarter ($ MM)

$ 2.7

$

3.1

$ 3.2

NR

NR

NR

NR

NR

Average Capital Shortfall During the Quarter ($ MM)

$ 0.4

$

0.6

$ 0.5

NR

NR

NR

NR

NR

30

29

18

29

22

26

22

29

7%

7%

11%

21%

0%

12%

14%

7%

Average Cost of Borrowed Capital Decreased

n=

Increased

7%

3%

17%

10%

0%

12%

9%

17%

No Change

87%

90%

72%

69%

100%

77%

77%

76%

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

44 

Table IV.D. Results by Region All: West CDFIs, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

28

19

30

23

NR

NR

NR

NR

7.7%

11.8%

11.5%

8.5%

NR

NR

NR

NR

28

19

30

23

23

27

21

21

31-60 days

2.2%

6.5%

4.2%

1.2%

2.2%

3.5%

2.9%

2.5%

61-90 days

1.0%

1.0%

3.0%

1.9%

0.7%

1.6%

1.9%

2.0%

90+ days

3.2%

5.6%

6.0%

4.8%

6.9%

3.6%

2.9%

5.1%

Total

6.4%

13.1%

13.2%

7.9%

9.8%

8.7%

7.7%

9.7%

25

17

26

NR

NR

NR

NR

NR

1.9%

1.5%

0.1%

NR

NR

NR

NR

NR

25

17

26

NR

NR

NR

NR

NR

7.3%

3.7%

5.7%

NR

NR

NR

NR

NR

Average Loan Loss Reserve (%)

n=

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=

28

19

30

23

23

27

23

20

0.4%

0.4%

1.8%

0.9%

0.7%

0.5%

0.6%

1.2%

28

28

18

28

23

25

22

29

Decreased

29%

29%

11%

14%

13%

16%

5%

3%

Increased

36%

25%

44%

43%

61%

32%

50%

45%

No Change

36%

46%

44%

43%

26%

52%

45%

52%

28

29

18

29

23

25

22

29

Decreased

32%

28%

17%

24%

30%

32%

23%

3%

Increased

32%

31%

44%

41%

48%

16%

50%

66%

No Change

36%

41%

39%

34%

22%

52%

27%

31%

28

29

16

29

23

NR

NR

NR

Decreased

36%

41%

31%

14%

13%

NR

NR

NR

Increased

32%

34%

50%

72%

52%

NR

NR

NR

No Change

32%

24%

19%

14%

35%

NR

NR

NR

27

28

18

30

23

26

23

30

Decreased

15%

7%

6%

7%

9%

8%

13%

0%

Increased

22%

32%

44%

60%

43%

46%

43%

47%

63%

61%

50%

33%

48%

46%

43%

53%

27

29

17

29

23

25

22

29

Decreased

4%

14%

24%

7%

9%

8%

0%

0%

Increased

22%

21%

41%

59%

35%

56%

41%

52%

No Change

74%

66%

35%

34%

57%

36%

59%

48%

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

n=

n=

n=

n=

No Change Number of Loans Given Term Extensions (%)

n=

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

45 

Table IV.D. Results by Region All: West CDFIs, 4thQ08 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

30

29

18

25

26

27

23

22

Decrease

0%

0%

11%

4%

4%

7%

0%

9%

Increase

57%

59%

83%

80%

58%

70%

83%

91%

No Change

43%

41%

6%

16%

38%

22%

17%

0%

26

27

24

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)

$ 223

$

318

$ 244

NR

NR

NR

NR

NR

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

$

$

12

$ 10

NR

NR

NR

NR

NR

27

NR

NR

NR

NR

NR

NR

Projected Additional Capital Needed Next Year

n=

9 26

Projected Total Capital Needed Next Year (MM)

$

53

$

90

NR

NR

NR

NR

NR

NR

Projected Average Capital Needed Next Year (MM)

$

2

$

3

NR

NR

NR

NR

NR

NR

30

29

18

25

26

29

23

22

3%

7%

17%

48%

46%

45%

61%

27%

Improve

37%

38%

39%

28%

15%

24%

17%

45%

No Change

60%

55%

44%

24%

38%

31%

22%

27%

29

28

18

25

25

22

NR

NR

0-90 days

21%

7%

11%

16%

16%

41%

NR

NR

91-180 days

28%

25%

17%

32%

24%

23%

NR

NR

181-365 days

17%

32%

67%

28%

16%

23%

NR

NR

greater than 365

34%

36%

6%

24%

44%

14%

NR

NR

29

28

18

24

26

28

23

21

No

90%

86%

78%

63%

65%

75%

65%

62%

Yes

10%

14%

22%

38%

35%

25%

35%

38%

Expected Change in Portfolio Quality (%)

n=

Deteriorate

Days Cash on Hand (%)

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

n=

n=

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

46 

Table V. Results for Trend Respondents, 1stQ09 – 3rdQ10  10Q3 All

Type

41

n=

41

Banks

2%

Credit Unions

2%

Loan Funds

95%

Venture Funds

Financing Sector

0%

n=

Business

41 24%

Commercial Real Estate

5%

Community Services

10%

Consumer

5%

Housing to Individuals

12%

Housing to Organizations

27%

Intermediary

0%

Microenterprise

12%

Multiple/Other

5%

Urban/Rural Market

n=

41

Equally Rural/Urban

24%

Primarily Rural

24%

Primarily Urban

51%

Region

n=

41

Midwest

22%

Northeast

27%

South*

32%

West

20%

Asset Size

n=

41

Assets > $50MM

41%

Assets between $10-50MM

37%

Assets < $10MM

22%

* Includes Puerto Rico.

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

47 

Table V. Results for Trend Respondents, 1stQ09 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

41

41

41

41

41

39

39

Decreased

34%

20%

24%

34%

20%

15%

13%

Increased

37%

59%

44%

34%

54%

59%

64%

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

29%

22%

32%

32%

27%

26%

23%

40

40

41

39

41

NR

NR

40%

33%

24%

21%

24%

NR

NR

35% 25% 41

35% 33% 41

44% 32% 41

54% 26% 41

63% 12% 40

NR NR 41

NR NR 41

Decreased

41%

15%

56%

32%

23%

10%

34%

Increased

29%

51%

27%

37%

53%

71%

41%

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

29%

34%

17%

32%

25%

20%

24%

41

41

41

41

41

NR

NR

Number of Financing Applications Received (%)

Increased No Change Number of Loans/Investments Originated (%)

n=

n=

n=

n=

09Q1

41%

37%

44%

29%

29%

NR

NR

Increased

32%

41%

39%

46%

49%

NR

NR

No Change

27%

22%

17%

24%

22%

NR

NR

36

35

36

35

39

37

36

Ability to Access Capital (%)

n=

Decreased

3%

6%

11%

14%

13%

22%

25%

Increased

42%

29%

14%

23%

23%

19%

28%

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

56%

66%

75%

63%

64%

59%

47%

39

35

37

38

39

NR

NR

n=

8%

17%

22%

24%

18%

NR

NR

Increased

59%

43%

27%

29%

31%

NR

NR

No Change

33%

40%

51%

47%

51%

NR

NR

40

40

41

41

41

40

41

Decreased

15%

30%

24%

17%

24%

33%

34%

Increased

58%

28%

29%

29%

41%

18%

34%

28%

43%

46%

54%

34%

50%

32%

40

40

41

41

41

NR

NR

Decreased

25%

25%

34%

24%

34%

NR

NR

Increased

58%

38%

29%

44%

41%

NR

NR

No Change

18%

38%

37%

32%

24%

NR

NR

41

41

41

41

41

41

41

Both

15%

15%

27%

22%

27%

22%

29%

Debt

5%

7%

5%

15%

17%

20%

17%

Equity

5%

15%

7%

24%

10%

7%

5%

Neither

76%

63%

61%

39%

46%

51%

49%

Capital Liquidity (%)

n=

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

Capital-Constrained (%)

Average Cost of Borrowed Capital

n=

n=

41

40

40

41

41

41

41

Decreased

n=

12%

10%

15%

20%

10%

17%

15%

Increased

17%

10%

8%

12%

10%

17%

27%

No Change

71%

80%

78%

68%

80%

66%

59%

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

48 

Table V. Results for Trend Respondents, 1stQ09 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

40

33

36

39

NR

NR

NR

8.8%

9.3%

7.6%

6.9%

NR

NR

NR

40

33

36

39

39

39

41

31-60 days

1.9%

1.8%

1.5%

2.4%

2.0%

2.4%

3.0%

61-90 days

0.7%

1.8%

1.1%

1.2%

0.8%

1.7%

2.0%

90+ days

4.8%

5.3%

4.3%

4.8%

5.0%

5.6%

4.1%

Total

7.4%

8.9%

6.9%

8.4%

7.9%

9.7%

9.1%

36

31

34

NR

NR

NR

NR

0.8%

0.7%

0.6%

NR

NR

NR

NR

36

31

34

NR

NR

NR

NR

7.2%

3.8%

4.9%

NR

NR

NR

NR

40

33

36

39

NR

NR

NR

0.8%

0.7%

0.5%

1.3%

NR

NR

NR

Average Loan Loss Reserve (%)

n=

Loan Loss Reserve Average Portfolio-at-Risk

Average Non-Accruals (%)

n=

n=

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

n=

Net Charge-Offs Loan Loss Reserve Ratio (%)

40

40

41

40

41

41

41

Decreased

35%

20%

17%

20%

17%

17%

17%

Increased

43%

53%

41%

33%

41%

34%

46%

No Change

23%

28%

41%

48%

41%

49%

37%

41

41

41

41

41

41

41

Decreased

27%

44%

39%

32%

22%

32%

20%

Increased

44%

34%

34%

44%

46%

37%

46%

No Change

29%

22%

27%

24%

32%

32%

34%

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

n=

n=

40

41

41

41

41

NR

NR

Decreased

38%

41%

32%

29%

27%

NR

NR

Increased

35%

46%

44%

49%

49%

NR

NR

No Change

28%

12%

24%

22%

24%

NR

NR

41

40

41

41

41

40

40

Decreased

22%

13%

17%

5%

15%

10%

10%

Increased

34%

43%

41%

44%

39%

50%

53%

No Change

44%

45%

41%

51%

46%

40%

38%

40

41

40

40

41

40

40

Decreased

23%

22%

20%

18%

15%

10%

10%

Increased

25%

32%

25%

33%

22%

30%

33%

No Change

53%

46%

55%

50%

63%

60%

58%

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

n=

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

49 

Table V. Results for Trend Respondents, 1stQ09 – 3rdQ10, continued Expected Demand for Financing (%)

n=

10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

41

40

41

41

41

40

41

Decrease

2%

0%

2%

2%

0%

5%

2%

Increase

61%

70%

76%

63%

66%

73%

63%

No Change

37%

30%

22%

34%

34%

23%

34%

41

41

41

41

41

41

41

5%

10%

12%

20%

15%

15%

29%

Improve

34%

27%

34%

20%

29%

27%

15%

No Change

61%

63%

54%

61%

56%

59%

56%

40

39

40

39

40

NR

NR

0-90 days

10%

18%

15%

13%

8%

NR

NR

91-180 days

15%

23%

28%

23%

35%

NR

NR

181-365 days

38%

26%

30%

33%

30%

NR

NR

greater than 365

38%

33%

28%

31%

28%

NR

NR

40

40

41

40

40

41

40

No

88%

75%

83%

80%

78%

73%

78%

Yes

13%

25%

17%

20%

23%

27%

23%

Expected Change in Portfolio Quality (%)

n=

Deteriorate

Days Cash on Hand

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

n=

n=

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

50 

Table VI.A. Results by Asset Size for Trend Respondents: Large CDFIs, 1stQ09 – 3rdQ10 10Q3 All

Type

17

n=

17

Banks

6%

Credit Unions

6%

Loan Funds

88%

Venture Funds

Financing Sector

0%

n=

17

Business

12%

Commercial Real Estate

12%

Community Services

24%

Consumer

6%

Housing to Individuals

18%

Housing to Organizations

24%

Intermediary

0%

Microenterprise

0%

Multiple/Other

6%

Urban/Rural Market

n=

17

Equally Rural/Urban

18%

Primarily Rural

24%

Primarily Urban

59%

Region

n=

17

Midwest

18%

Northeast

35%

South*

24%

West

24%

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, Third Quarter 2010, Report II – Detailed Tables

51 

Table VI.A. Results by Asset Size for Trend Respondents: Large CDFIs, 1stQ09 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

17

17

17

17

17

15

17

Decreased

29%

18%

29%

29%

29%

20%

29%

Increased

41%

71%

41%

47%

47%

47%

47%

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

29%

12%

29%

24%

24%

33%

24%

16

17

17

16

17

NR

NR

Number of Financing Applications Received (%)

n=

n=

09Q1

44%

24%

24%

31%

41%

NR

NR

Increased

19%

41%

41%

56%

47%

NR

NR

No Change

38%

35%

35%

13%

12%

NR

NR

17

17

17

17

17

17

17

Decreased

47%

6%

59%

24%

24%

6%

65%

Increased

35%

71%

24%

41%

59%

71%

18%

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

18%

24%

18%

35%

18%

24%

18%

17

17

17

17

17

NR

NR

35%

35%

47%

41%

41%

NR

NR

35%

53%

47%

41%

47%

NR

NR

29%

12%

6%

18%

12%

NR

NR

16

16

17

16

16

14

16

Decreased

0%

6%

12%

6%

13%

29%

25%

Increased

44%

31%

12%

31%

25%

21%

13%

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

56%

63%

76%

63%

63%

50%

63%

17

17

17

16

16

NR

NR

Number of Loans/Investments Originated (%)

n=

n=

Increased No Change Ability to Access Capital (%)

n=

n=

6%

6%

12%

13%

19%

NR

NR

Increased

65%

41%

24%

31%

31%

NR

NR

No Change

29%

53%

65%

56%

50%

NR

NR

Capital Liquidity (%)

17

17

17

17

17

17

17

Decreased

12%

29%

29%

12%

18%

29%

41%

Increased

53%

6%

6%

41%

29%

24%

24%

No Change

35%

65%

65%

47%

53%

47%

35%

17

17

17

17

17

NR

NR

Decreased

18%

18%

29%

18%

35%

NR

NR

Increased

65%

41%

24%

41%

29%

NR

NR

No Change

18%

41%

47%

41%

35%

NR

NR

Capital Liquidity, Change from Previous Year (%)

Capital-Constrained (%)

n=

n=

17

17

17

17

17

17

17

Both

12%

12%

29%

24%

24%

24%

35%

Debt

6%

12%

6%

6%

12%

18%

18%

Equity

6%

18%

0%

18%

6%

0%

6%

Neither

76%

59%

65%

53%

59%

59%

41%

Average Cost of Borrowed Capital

n=

17

16

16

17

17

17

17

Decreased

n=

12%

13%

13%

24%

0%

12%

12%

Increased

18%

6%

13%

24%

24%

24%

24%

No Change

71%

81%

75%

53%

76%

65%

65%

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

52 

Table VI.A. Results by Asset Size for Trend Respondents: Large CDFIs, 1stQ09 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

16

16

14

15

NR

NR

NR

7.3%

7.8%

6.2%

6.7%

NR

NR

NR

16

16

14

15

16

15

17

31-60 days

2.1%

2.3%

0.9%

2.3%

2.0%

2.6%

1.7%

61-90 days

0.8%

1.6%

1.1%

1.2%

0.5%

1.0%

1.1%

90+ days

3.6%

4.8%

3.3%

3.9%

4.2%

4.0%

3.1%

Total

6.5%

8.7%

5.3%

7.4%

6.8%

7.6%

5.9%

16

16

14

15

16

15

17

0.7%

0.3%

0.3%

0.5%

0.4%

0.3%

0.3%

Average Loan Loss Reserve (%)

n=

Loan Loss Reserve Average Portfolio-at-Risk

Average Net Charge-Offs (%)

n=

n=

Net Charge-Offs Loan Loss Reserve Ratio (%)

17

17

17

17

19

17

17

Decreased

41%

24%

12%

0%

16%

18%

29%

Increased

35%

41%

29%

35%

47%

29%

35%

No Change

24%

35%

59%

65%

26%

53%

35%

17

17

17

17

17

17

17

Decreased

24%

35%

41%

29%

24%

24%

29%

Increased

53%

41%

41%

53%

53%

47%

47%

24%

24%

18%

18%

24%

29%

24%

17

17

17

17

17

NR

NR

Decreased

41%

53%

29%

24%

24%

NR

NR

Increased

35%

47%

53%

47%

71%

NR

NR

No Change

24%

0%

18%

29%

6%

NR

NR

17

17

17

17

17

17

17

Decreased

24%

12%

24%

0%

18%

18%

12%

Increased

29%

41%

41%

47%

47%

47%

65%

No Change

47%

47%

35%

53%

35%

35%

24%

17

17

16

16

17

17

17

Decreased

18%

18%

19%

19%

18%

12%

6%

Increased

24%

41%

38%

38%

24%

24%

24%

No Change

59%

41%

44%

44%

59%

65%

71%

Delinquency Rate (%)

n=

n=

No Change Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

n=

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

53 

Table VI.A. Results by Asset Size for Trend Respondents: Large CDFIs, 1stQ09 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

17

17

17

17

17

17

17

Decrease

0%

0%

6%

0%

0%

0%

0%

Increase

47%

76%

76%

59%

35%

71%

53%

No Change

53%

24%

18%

41%

65%

29%

47%

17

17

17

17

17

17

17

Deteriorate

12%

18%

24%

29%

18%

29%

29%

Improve

35%

24%

24%

12%

18%

18%

6%

No Change

53%

59%

53%

59%

65%

53%

65%

17

16

16

17

16

NR

NR

0%

6%

0%

0%

0%

NR

NR

91-180 days

24%

19%

31%

24%

38%

NR

NR

181-365 days

29%

38%

38%

41%

38%

NR

NR

greater than 365

47%

38%

31%

35%

25%

NR

NR

17

17

17

16

16

17

16

No

88%

82%

100%

88%

100%

88%

81%

Yes

12%

18%

0%

13%

0%

12%

19%

Expected Demand for Financing (%)

Expected Change in Portfolio Quality (%)

Days Cash on Hand

n=

n=

n=

0-90 days

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

n=

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

54 

Table VI.B. Results by Asset Size for Trend Respondents: Medium CDFIs, 1stQ09 – 3rdQ10 10Q3 All

Type

15

n=

15

Banks

0%

Credit Unions

0%

Loan Funds

100%

Venture Funds

Financing Sector

0%

n=

Business

15 47%

Commercial Real Estate

0%

Community Services

0%

Consumer

7%

Housing to Individuals

7%

Housing to Organizations

27%

Intermediary

0%

Microenterprise

13%

Multiple/Other

0%

Urban/Rural Market

n=

15

Equally Rural/Urban

33%

Primarily Rural

13%

Primarily Urban

53%

Region

n=

15

Midwest

27%

Northeast

20%

South*

33%

West

20%

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

n=

15 0% 100% 0%

* Includes Puerto Rico.

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

55 

Table VI.B. Results by Asset Size for Trend Respondents: Medium CDFIs, 1stQ09 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

15

15

15

15

15

15

14

Decreased

40%

20%

27%

33%

13%

7%

0%

Increased

27%

60%

40%

33%

67%

60%

79%

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

33%

20%

33%

33%

20%

33%

21%

15

15

15

15

15

NR

NR

Number of Financing Applications Received (%)

n=

n=

09Q1

40%

33%

27%

13%

7%

NR

NR

Increased

47%

33%

53%

67%

80%

NR

NR

No Change

13%

33%

20%

20%

13%

NR

NR

15

15

15

15

15

15

15

Decreased

47%

20%

60%

40%

20%

0%

20%

Increased

27%

40%

27%

33%

47%

80%

60%

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

27%

40%

13%

27%

33%

20%

20%

15

15

15

15

15

NR

NR

40%

33%

33%

27%

20%

NR

NR

33%

33%

47%

53%

40%

NR

NR

27%

33%

20%

20%

40%

NR

NR

13

12

11

11

14

14

12

Decreased

0%

8%

0%

18%

7%

14%

25%

Increased

54%

33%

27%

18%

21%

14%

33%

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

46%

58%

73%

64%

71%

71%

42%

14

11

11

13

14

NR

NR

Number of Loans/Investments Originated (%)

n=

n=

Increased No Change Ability to Access Capital (%)

n=

n=

7%

27%

27%

23%

0%

NR

NR

Increased

57%

55%

36%

23%

36%

NR

NR

No Change

36%

18%

36%

54%

64%

NR

NR

Capital Liquidity (%)

14

14

15

15

15

14

15

Decreased

21%

43%

20%

27%

33%

14%

33%

Increased

71%

43%

53%

33%

53%

14%

40%

No Change

7%

14%

27%

40%

13%

71%

27%

14

14

15

15

15

NR

NR

Decreased

36%

36%

40%

20%

33%

NR

NR

Increased

57%

36%

33%

67%

53%

NR

NR

No Change

7%

29%

27%

13%

13%

NR

NR

Capital Liquidity, Change from Previous Year (%)

Capital-Constrained (%)

n=

n=

15

15

15

15

15

15

15

Both

13%

20%

20%

20%

27%

7%

13%

Debt

7%

7%

7%

13%

13%

20%

13%

Equity

0%

7%

13%

33%

13%

13%

7%

Neither

80%

67%

60%

33%

47%

60%

67%

Average Cost of Borrowed Capital

n=

15

15

15

15

15

15

15

Decreased

n=

13%

13%

20%

27%

13%

20%

20%

Increased

27%

13%

7%

0%

0%

13%

27%

No Change

60%

73%

73%

73%

87%

67%

53%

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

56 

Table VI.B. Results by Asset Size for Trend Respondents: Medium CDFIs, 1stQ09 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

15

11

15

15

NR

NR

NR

8.0%

9.2%

7.0%

6.5%

NR

NR

NR

15

11

15

15

14

15

15

31-60 days

1.7%

0.6%

1.6%

1.3%

1.7%

1.1%

2.2%

61-90 days

0.6%

1.6%

0.9%

1.2%

0.7%

1.2%

2.1%

90+ days

4.4%

3.9%

5.4%

5.6%

4.8%

4.9%

3.5%

Total

6.8%

6.1%

8.0%

8.1%

7.2%

7.2%

7.8%

15

11

15

15

14

15

15

0.6%

0.6%

0.6%

1.1%

0.8%

1.1%

0.4%

Average Loan Loss Reserve (%)

n=

Loan Loss Reserve Average Portfolio-at-Risk

Average Net Charge-Offs (%)

n=

n=

Net Charge-Offs Loan Loss Reserve Ratio (%)

14

14

15

14

19

15

15

Decreased

29%

29%

27%

36%

11%

20%

13%

Increased

64%

64%

53%

29%

37%

33%

67%

No Change

7%

7%

20%

36%

32%

47%

20%

15

15

15

15

15

15

15

Decreased

27%

53%

47%

27%

13%

53%

7%

Increased

53%

27%

27%

47%

47%

20%

47%

No Change

20%

20%

27%

27%

40%

27%

47%

15

15

15

15

15

NR

NR

Decreased

33%

40%

33%

13%

27%

NR

NR

Increased

40%

47%

33%

67%

33%

NR

NR

No Change

27%

13%

33%

20%

40%

NR

NR

15

14

15

15

15

15

15

Decreased

13%

14%

20%

13%

7%

7%

7%

Increased

47%

50%

47%

33%

33%

47%

40%

No Change

40%

36%

33%

53%

60%

47%

53%

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

Number of Loans Given Term Extensions (%)

n=

n=

n=

n=

15

15

15

15

15

15

15

Decreased

n=

27%

33%

33%

13%

20%

13%

13%

Increased

33%

20%

20%

33%

13%

27%

40%

No Change

40%

47%

47%

53%

67%

60%

47%

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

57 

Table VI.B Results by Asset Size for Trend Respondents: Medium CDFIs, 1stQ09 – 3rdQ10, continued

Expected Demand for Financing (%)

n=

10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

15

14

15

15

15

15

15

Decrease

0%

0%

0%

7%

0%

0%

7%

Increase

73%

79%

87%

60%

93%

80%

67%

No Change

27%

21%

13%

33%

7%

20%

27%

15

15

15

15

15

15

15

0%

7%

7%

0%

13%

0%

33%

Improve

33%

27%

27%

20%

40%

27%

13%

No Change

67%

67%

67%

80%

47%

73%

53%

14

14

15

13

15

NR

NR

Expected Change in Portfolio Quality (%)

n=

Deteriorate

Days Cash on Hand

n=

0-90 days

14%

14%

13%

15%

13%

NR

NR

91-180 days

0%

29%

27%

15%

20%

NR

NR

181-365 days

50%

21%

33%

38%

33%

NR

NR

greater than 365

36%

36%

27%

31%

33%

NR

NR

14

14

15

15

15

15

15

No

79%

64%

67%

80%

60%

60%

73%

Yes

21%

36%

33%

20%

40%

40%

27%

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

n=

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

58 

Table VI.C Results by Asset Size for Trend Respondents: Small CDFIs, 1stQ09 – 3rdQ10 10Q3 All

Type

9

n=

9

Banks

0%

Credit Unions

0%

Loan Funds

100%

Venture Funds

Financing Sector

0%

n=

Business

9 11%

Commercial Real Estate

0%

Community Services

0%

Consumer

0%

Housing to Individuals

11%

Housing to Organizations

33%

Intermediary

0%

Microenterprise

33%

Multiple/Other

11%

Urban/Rural Market

n=

9

Equally Rural/Urban

22%

Primarily Rural

44%

Primarily Urban

33%

Region

n=

9

Midwest

22%

Northeast

22%

South*

44%

West

11%

Asset Size

n=

9

Assets > $50MM

0%

Assets between $10-50MM

0%

Assets < $10MM

100%

* Includes Puerto Rico.

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

59 

Table VI.C Results by Asset Size for Trend Respondents: Small CDFIs, 1stQ09 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

9

9

9

9

9

9

8

Decreased

33%

22%

11%

44%

11%

22%

0%

Increased

44%

33%

56%

11%

44%

78%

75%

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

22%

44%

33%

44%

44%

0%

25%

9

8

9

8

9

NR

NR

Number of Financing Applications Received (%)

n=

n=

09Q1

33%

50%

22%

13%

22%

NR

NR

Increased

44%

25%

33%

25%

67%

NR

NR

No Change

22%

25%

44%

63%

11%

NR

NR

9

9

9

9

8

9

9

Decreased

22%

22%

44%

33%

25%

33%

0%

Increased

22%

33%

33%

33%

50%

56%

56%

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

56%

44%

22%

33%

25%

11%

44%

9

9

9

9

9

NR

NR

56%

44%

56%

11%

22%

NR

NR

22%

33%

11%

44%

67%

NR

NR

22%

22%

33%

44%

11%

NR

NR

7

7

8

8

9

9

8

Decreased

14%

0%

25%

25%

22%

22%

25%

Increased

14%

14%

0%

13%

22%

22%

50%

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

71%

86%

75%

63%

56%

56%

25%

8

7

9

9

9

NR

NR

Number of Loans/Investments Originated (%)

n=

n=

Increased No Change Ability to Access Capital (%)

n=

n=

13%

29%

33%

44%

44%

NR

NR

Increased

50%

29%

22%

33%

22%

NR

NR

No Change

38%

43%

44%

22%

33%

NR

NR

Capital Liquidity (%)

9

9

9

9

9

9

9

Decreased

11%

11%

22%

11%

22%

67%

22%

Increased

44%

44%

33%

0%

44%

11%

44%

No Change

44%

44%

44%

89%

33%

22%

33%

9

9

9

9

9

NR

NR

Decreased

22%

22%

33%

44%

33%

NR

NR

Increased

44%

33%

33%

11%

44%

NR

NR

No Change

33%

44%

33%

44%

22%

NR

NR

Capital Liquidity, Change from Previous Year (%)

Capital-Constrained (%)

n=

n=

n=

Both Debt

9

9

9

9

9

9

9

22%

11%

33%

22%

33%

44%

44% 22%

0%

0%

0%

33%

33%

22%

Equity

11%

22%

11%

22%

11%

11%

0%

Neither

67%

67%

56%

22%

22%

22%

33%

Average Cost of Borrowed Capital

9

9

9

9

9

9

9

Decreased

n=

11%

0%

11%

0%

22%

22%

11%

Increased

0%

11%

0%

11%

0%

11%

33%

No Change

89%

89%

89%

89%

78%

67%

56%

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

60 

Table VI.C Results by Asset Size for Trend Respondents: Small CDFIs, 1stQ09 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

9

6

7

9

NR

NR

NR

12.9%

13.3%

11.8%

8.0%

NR

NR

NR

9

6

7

9

9

9

9

31-60 days

2.0%

3.1%

2.2%

4.5%

2.5%

4.4%

6.5%

61-90 days

0.6%

2.9%

1.4%

1.0%

1.6%

3.9%

3.6%

90+ days

7.7%

8.8%

4.1%

4.9%

6.7%

9.3%

7.1%

10.2%

14.8%

7.8%

10.4%

10.9%

17.6%

17.2%

9

6

7

9

9

9

9

1.0%

1.6%

0.5%

2.6%

1.5%

1.2%

0.1%

Average Loan Loss Reserve (%)

n=

Loan Loss Reserve Average Portfolio-at-Risk

n=

Total Average Net Charge-Offs (%)

n=

Net Charge-Offs Loan Loss Reserve Ratio (%)

9

9

9

9

9

9

9

Decreased

33%

0%

11%

33%

22%

11%

0%

Increased

22%

56%

44%

33%

11%

44%

33%

No Change

44%

44%

44%

33%

67%

44%

67%

9

9

9

9

9

9

9

Decreased

33%

44%

22%

44%

33%

11%

22%

Increased

11%

33%

33%

22%

33%

44%

44%

No Change

56%

22%

44%

33%

33%

44%

33%

8

9

9

9

9

NR

NR

Decreased

38%

22%

33%

67%

33%

NR

NR

Increased

25%

44%

44%

22%

33%

NR

NR

No Change

38%

33%

22%

11%

33%

NR

NR

Delinquency Rate (%)

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

n=

n=

n=

9

9

9

9

9

8

8

Decreased

33%

11%

0%

0%

22%

0%

13%

Increased

22%

33%

33%

56%

33%

63%

50%

No Change

44%

56%

67%

44%

44%

38%

38%

8

9

9

9

9

8

8

Decreased

25%

11%

0%

22%

0%

0%

13%

Increased

13%

33%

11%

22%

33%

50%

38%

No Change

63%

56%

89%

56%

67%

50%

50%

Number of Loans Given Term Extensions (%)

n=

n=

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

61 

Table VI.C Results by Asset Size for Trend Respondents: Small CDFIs, 1stQ09 – 3rdQ10, continued 10Q3 Expected Demand for Financing (%)

n=

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

9

9

9

9

9

8

9

Decrease

11%

0%

0%

0%

0%

25%

0%

Increase

67%

44%

56%

78%

78%

63%

78%

22%

56%

44%

22%

22%

13%

22%

9

9

9

9

9

9

9

0%

0%

0%

33%

11%

11%

22%

Improve

33%

33%

67%

33%

33%

44%

33%

No Change

67%

67%

33%

33%

56%

44%

44%

9

9

9

9

9

NR

NR

0-90 days

22%

44%

44%

33%

11%

NR

NR

91-180 days

22%

22%

22%

33%

56%

NR

NR

181-365 days

33%

11%

11%

11%

11%

NR

NR

greater than 365

22%

22%

22%

22%

22%

NR

NR

9

9

9

9

9

9

9

100%

78%

78%

67%

67%

67%

78%

0%

22%

22%

33%

33%

33%

22%

No Change Expected Change in Portfolio Quality (%)

n=

Deteriorate

Days Cash on Hand

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

n=

n=

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

62 

Table VII.A. Results by Financing Sector for Trend Respondents: Business CDFIs, 1stQ09 – 3rdQ10 10Q3 All

Type

10

n=

10

Banks

0%

Credit Unions

0%

Loan Funds

100%

Venture Funds

Financing Sector

0%

n=

Business

10 100%

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=

10

Equally Rural/Urban

40%

Primarily Rural

30%

Primarily Urban

30%

Region

n=

10

Midwest

20%

Northeast

50%

South*

20%

West

10%

Asset Size

n=

10

Assets > $50MM

20%

Assets between $10-50MM

70%

Assets < $10MM

10%

* Includes Puerto Rico.

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

63 

Table VII.A. Results by Financing Sector for Trend Respondents: Business CDFIs, 1stQ09 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

10

9

9

9

8

8

9

7

Decreased

30%

22%

22%

33%

25%

13%

0%

14%

Increased

40%

33%

44%

22%

63%

50%

56%

43%

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

30%

44%

33%

44%

13%

38%

44%

43%

10

8

9

8

8

NR

NR

NR

Number of Financing Applications Received (%)

n=

n=

08Q4

50%

38%

11%

13%

13%

NR

NR

NR

Increased

40%

13%

44%

63%

75%

NR

NR

NR

No Change

10%

50%

44%

25%

13%

NR

NR

NR

10

9

9

9

8

8

9

7

Decreased

40%

11%

44%

44%

38%

13%

11%

29%

Increased

30%

33%

33%

11%

13%

75%

78%

43%

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

30%

56%

22%

44%

50%

13%

11%

29%

10

9

9

9

8

NR

NR

NR

40%

44%

44%

56%

25%

NR

NR

NR

40%

44%

44%

44%

25%

NR

NR

NR

20%

11%

11%

0%

50%

NR

NR

NR

9

8

7

8

7

8

8

6

Decreased

0%

0%

0%

13%

0%

25%

38%

50%

Increased

67%

38%

14%

13%

14%

13%

13%

17%

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

33%

63%

86%

75%

86%

63%

50%

33%

10

8

7

9

7

NR

NR

NR

Number of Loans/Investments Originated (%)

n=

n=

Increased No Change Ability to Access Capital (%)

n=

n=

0%

13%

29%

33%

14%

NR

NR

NR

Increased

80%

50%

29%

11%

14%

NR

NR

NR

No Change

20%

38%

43%

56%

71%

NR

NR

NR

Capital Liquidity (%)

10

9

9

9

8

8

9

7

Decreased

0%

11%

11%

22%

25%

13%

56%

14%

Increased

80%

67%

44%

22%

63%

25%

22%

57%

No Change

20%

22%

44%

56%

13%

63%

22%

29%

10

9

9

9

8

NR

NR

NR

Decreased

10%

11%

33%

22%

50%

NR

NR

NR

Increased

80%

56%

22%

33%

38%

NR

NR

NR

No Change

10%

33%

44%

44%

13%

NR

NR

NR

Capital Liquidity, Change from Previous Year (%)

Capital-Constrained (%)

n=

n=

10

9

9

9

8

8

9

7

Both

n=

0%

11%

33%

33%

38%

38%

44%

43%

Debt

0%

0%

0%

0%

13%

0%

11%

14%

Equity

0%

33%

11%

56%

13%

13%

0%

14%

100%

56%

56%

11%

38%

50%

44%

29%

10

9

9

9

8

8

9

7

Decreased

30%

11%

11%

11%

13%

0%

22%

0%

Increased

40%

22%

11%

0%

0%

25%

33%

43%

No Change

30%

67%

78%

89%

88%

75%

44%

57%

Neither Average Cost of Borrowed Capital

n=

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

64 

Table VII.A. Results by Financing Sector for Trend Respondents: Business CDFIs, 1stQ09 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

1Q09

10

10

10

10

NR

NR

NR

NR

8.7%

9.4%

7.9%

7.4%

NR

NR

NR

NR

10

10

10

10

10

10

10

10

31-60 days

1.6%

1.0%

1.3%

1.6%

1.5%

1.5%

1.5%

1.5%

61-90 days

0.5%

1.1%

1.1%

1.2%

1.0%

1.0%

1.0%

1.0%

90+ days

4.5%

3.4%

3.6%

3.4%

2.8%

2.8%

2.8%

2.8%

Total

6.7%

5.5%

6.1%

6.2%

5.3%

5.3%

5.3%

5.3%

10

10

10

10

10

10

10

10

1.3%

0.6%

0.6%

0.6%

1.0%

1.0%

1.0%

1.0%

10

9

9

9

8

8

9

7

Decreased

30%

22%

0%

22%

25%

38%

22%

14%

Increased

70%

78%

78%

44%

63%

38%

67%

71%

No Change

0%

0%

22%

33%

13%

25%

11%

14%

Average Loan Loss Reserve (%)

n=

Loan Loss Reserve Average Portfolio-at-Risk

Average Net Charge-Offs (%)

n=

n=

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

n=

10

9

9

9

8

8

9

7

Decreased

10%

33%

11%

11%

13%

38%

0%

14%

Increased

80%

33%

44%

56%

50%

38%

44%

71%

No Change

10%

33%

44%

33%

38%

25%

56%

14%

9

9

9

9

8

NR

NR

NR

Decreased

33%

22%

11%

11%

38%

NR

NR

NR

Increased

56%

56%

67%

56%

25%

NR

NR

NR

No Change

11%

22%

22%

33%

38%

NR

NR

NR

10

9

9

9

8

8

9

7

Decreased

10%

22%

22%

0%

0%

0%

0%

0%

Increased

50%

56%

78%

67%

25%

63%

56%

71%

No Change

40%

22%

0%

33%

75%

38%

44%

29%

10

9

9

9

8

8

9

7

Decreased

10%

33%

11%

22%

0%

0%

0%

14%

Increased

40%

33%

33%

33%

13%

38%

56%

43%

No Change

50%

33%

56%

44%

88%

63%

44%

43%

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, Third Quarter 2010, Report II – Detailed Tables

65 

Table VII.A. Results by Financing Sector for Trend Respondents: Business CDFIs, 1stQ09 – 3rdQ10, continued

Expected Demand for Financing (%)

n=

10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

08Q4

10

9

9

9

8

8

9

NR

Decrease

0%

0%

0%

0%

0%

0%

0%

NR

Increase

90%

67%

89%

67%

75%

100%

67%

NR

No Change

10%

33%

11%

33%

25%

0%

33%

NR

10

9

9

9

8

8

9

NR

0%

22%

22%

33%

13%

13%

67%

NR

Improve

40%

11%

22%

0%

0%

13%

0%

NR

No Change

60%

67%

56%

67%

88%

75%

33%

NR

10

9

9

9

8

NR

NR

NR

0-90 days

20%

33%

22%

22%

0%

NR

NR

NR

91-180 days

10%

22%

44%

22%

38%

NR

NR

NR

181-365 days

50%

11%

11%

33%

38%

NR

NR

NR

greater than 365

20%

33%

22%

22%

25%

NR

NR

NR

10

9

9

8

8

8

9

NR

100%

89%

89%

88%

88%

75%

78%

NR

0%

11%

11%

13%

13%

25%

22%

NR

Expected Change in Portfolio Quality (%)

n=

Deteriorate

Days Cash on Hand

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

n=

n=

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

66 

Table VII.B. Results by Financing Sector for Trend Respondents: Housing to Organizations CDFIs, 1stQ09 – 3rdQ10 10Q3 All

Type

11

n=

11

Banks

0%

Credit Unions

0%

Loan Funds

100%

Venture Funds

Financing Sector

0%

n=

11

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=

11

Equally Rural/Urban

18%

Primarily Rural

18%

Primarily Urban

64%

Region

n=

11

Midwest

18%

Northeast

18%

South*

36%

West

27%

Asset Size

n=

11

Assets > $50MM

36%

Assets between $10-50MM

36%

Assets < $10MM

27%

* Includes Puerto Rico.

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

67 

Table VII.B. Results by Financing Sector for Trend Respondents: Housing to Organizations CDFIs, 1stQ09 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

11

14

13

14

13

11

12

Decreased

27%

0%

31%

36%

38%

27%

25%

Increased

27%

79%

38%

36%

31%

36%

58%

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

45%

21%

31%

29%

31%

36%

17%

10

14

13

14

13

NR

NR

Number of Financing Applications Received (%)

n=

n=

09Q1

30%

29%

38%

21%

54%

NR

NR

Increased

40%

36%

38%

50%

23%

NR

NR

No Change

30%

36%

23%

29%

23%

NR

NR

11

14

13

14

13

13

13

Decreased

55%

7%

62%

43%

38%

8%

46%

Increased

18%

57%

23%

43%

46%

69%

23%

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

27%

36%

15%

14%

15%

23%

31%

11

14

13

14

13

NR

NR

36%

29%

31%

29%

62%

NR

NR

36%

36%

54%

43%

15%

NR

NR

27%

36%

15%

29%

23%

NR

NR

10

12

12

13

12

12

12

Decreased

10%

8%

8%

23%

17%

17%

33%

Increased

50%

33%

17%

46%

33%

25%

42%

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

40%

58%

75%

31%

50%

58%

25%

11

12

12

13

12

NR

NR

Number of Loans/Investments Originated (%)

n=

n=

Increased No Change Ability to Access Capital (%)

n=

n=

18%

25%

17%

31%

17%

NR

NR

Increased

55%

50%

42%

46%

42%

NR

NR

No Change

27%

25%

42%

23%

42%

NR

NR

Capital Liquidity (%)

11

14

13

14

13

13

13

Decreased

27%

57%

38%

21%

23%

46%

31%

Increased

55%

7%

46%

36%

46%

8%

62%

No Change

18%

36%

15%

43%

31%

46%

8%

11

14

13

14

13

NR

NR

Decreased

45%

36%

31%

36%

38%

NR

NR

Increased

45%

50%

54%

50%

46%

NR

NR

No Change

9%

14%

15%

14%

15%

NR

NR

Capital Liquidity, Change from Previous Year (%)

Capital-Constrained (%)

n=

n=

11

14

13

14

13

13

13

Both

18%

21%

31%

21%

23%

23%

38%

Debt

9%

7%

0%

14%

15%

31%

23%

Equity

0%

0%

0%

7%

15%

0%

0%

Neither

73%

71%

69%

57%

46%

46%

38%

Average Cost of Borrowed Capital

n=

11

14

13

14

13

13

13

Decreased

n=

9%

14%

15%

21%

23%

31%

23%

Increased

0%

7%

15%

21%

15%

23%

23%

No Change

91%

79%

69%

57%

62%

46%

54%

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

68 

Table VII.B. Results by Financing Sector for Trend Respondents: Housing to Organizations CDFIs, 1stQ09 – 3rdQ10, continued 10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

10

10

10

10

NR

NR

NR

8.7%

9.4%

7.9%

7.4%

NR

NR

NR

10

10

10

10

10

10

10

31-60 days

1.6%

1.0%

1.3%

1.6%

1.5%

1.5%

1.5%

61-90 days

0.5%

1.1%

1.1%

1.2%

1.0%

1.0%

1.0%

90+ days

4.5%

3.4%

3.6%

3.4%

2.8%

2.8%

2.8%

Total

6.7%

5.5%

6.1%

6.2%

5.3%

5.3%

5.3%

10

10

10

10

10

10

10

1.3%

0.6%

0.6%

0.6%

1.0%

1.0%

1.0%

11

14

13

14

13

13

13

Decreased

45%

36%

38%

29%

23%

23%

23%

Increased

27%

43%

31%

36%

38%

31%

38%

No Change

27%

21%

31%

36%

38%

46%

38%

Average Loan Loss Reserve (%)

n=

Loan Loss Reserve Average Portfolio-at-Risk

Average Net Charge-Offs (%)

n=

n=

Net Charge-Offs Loan Loss Reserve Ratio (%)

Delinquency Rate (%)

n=

11

14

13

14

13

13

13

Decreased

27%

50%

54%

36%

23%

46%

15%

Increased

27%

21%

15%

43%

23%

15%

54%

No Change

45%

29%

31%

21%

54%

38%

31%

11

14

13

14

13

NR

NR

Decreased

55%

57%

46%

36%

38%

NR

NR

Increased

18%

29%

23%

50%

23%

NR

NR

No Change

27%

14%

31%

14%

38%

NR

NR

Delinquency Rate, Change from Previous Year (%)

Number of Loans/Investments in Workout (%)

n=

n=

11

13

13

14

13

13

13

Decreased

36%

23%

23%

14%

31%

15%

15%

Increased

27%

38%

23%

36%

23%

38%

54%

No Change

36%

38%

54%

50%

46%

46%

31%

10

14

13

14

13

13

13

Decreased

30%

29%

31%

29%

38%

23%

31%

Increased

30%

29%

31%

36%

31%

54%

38%

No Change

40%

43%

38%

36%

31%

23%

31%

Number of Loans Given Term Extensions (%)

n=

n=

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

69 

Table VII.B. Results by Financing Sector for Trend Respondents: Housing to Organizations CDFIs, 1stQ09 – 3rdQ10, continued Expected Demand for Financing (%)

n=

10Q3

10Q2

10Q1

09Q4

09Q3

09Q2

09Q1

11

13

13

14

13

13

13

Decrease

0%

0%

0%

7%

0%

8%

8%

Increase

73%

77%

54%

71%

62%

54%

62%

No Change

27%

23%

46%

21%

38%

38%

31%

11

14

13

14

13

13

13

0%

0%

8%

14%

15%

0%

23%

Improve

36%

14%

38%

36%

31%

31%

15%

No Change

64%

86%

54%

50%

54%

69%

62%

11

14

12

13

12

NR

NR

0-90 days

0%

7%

8%

8%

8%

NR

NR

91-180 days

0%

0%

8%

8%

17%

NR

NR

181-365 days

45%

43%

50%

46%

33%

NR

NR

greater than 365

55%

50%

33%

38%

42%

NR

NR

11

14

13

14

13

13

12

No

82%

71%

85%

86%

69%

77%

75%

Yes

18%

29%

15%

14%

31%

23%

25%

Expected Change in Portfolio Quality (%)

n=

Deteriorate

Days Cash on Hand

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

n=

n=

Opportunity Finance Network CDFI Market Conditions Report, Third 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 900 CDFIs. A total of 121 CDFIs responded to the survey between October and December, 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. Only respondents that provide answers for all three of the categories under the Loan Loss Reserve, Delinquencies (either 31-60 days, 61-90 days or greater than 90 days), and Net Charge-offs are included in the portfolio quality analysis. Within this smaller subset, the reporting on non-accruals and restructures only includes CDFIs that have responded to both these questions as well. 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, Third 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. In addition, we added the following questions in the third quarter 2010: Off-Balance Sheet Only:

(In this section, please only include loans not on your balance sheet for which your CDFI tracks delinquencies. This section includes loans such as NMTC loans that are not consolidated on CDFI’s Balance Sheet but for which CDFI retains recourse, loans sold by the CDFI for which the CDFI retains recourse, and any other loans not on the balance sheet for which the CDFI retains recourse and tracks delinquencies.) Loan Portfolio Outstanding at quarter-end ($): Principal balance of delinquent loans that are > 30 Days Delinquent (Credit Unions NCUA Form 5300 Equivalent: 2 plus months) at quarter-end ($): Net Charge-offs in the Loan Portfolio during this past quarter ($):

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

72 

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. 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, Third Quarter 2010, Report II – Detailed Tables

73 

Appendix II. List of CDFIs Participating in the OFN Market Conditions Survey A. All Respondents, 3rdQ10 Organization Name ACCION New Mexico-Arizona-Colorado ACCION Texas Louisiana ACCION USA, Inc. ACE - Access to Capital for Entrepreneurs Albany Community Together, Inc. Aleutian Financial, Inc. Allegany Community Development Services, Inc. Alternatives Federal Credit Union Arcata Economic Development Corporation Baltimore Community Lending BOC CAPITAL CORP Boston Community Capital Bridgeway Capital Calvert Social Investment Foundation Century Housing Corporation Chicago Community Loan Fund Chicago Community Ventures Chugach Region Community Loan Fund Cincinnati Development Fund Citizen Potawatomi Community Development Corporation Clearinghouse Community Development Financial Institution Coastal Enterprises, Inc. Community Capital Fund, Inc. Community Capital Works Community First Fund Community Investment Corporation Community Loan Fund of New Jersey, Inc.

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

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

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

Small Large Medium Medium Small Large Small

Housing to Organizations Business Community Services/Facilities Business Business Housing to Organizations Microenterprise

South Midwest South Northeast Northeast Northeast Midwest

35

Community Redevelopment Loan and Investment Fund, Inc. (CRLIF) Community Reinvestment Fund USA, Inc Community Resource Group, Inc. Cooperative Business Assistance Corporation Cooperative Fund of New England, Inc. Corporation for Supportive Housing Economic and Community Development Institute Economic Opportunities Fund, a subsidiary of Women's Opportunities Resource Center

Small

Microenterprise

Northeast

36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56

El Paso Collaborative for Community and Economic Development Enterprise Cascadia Enterprise Cleveland Enterprise Community Loan Fund, Inc. Enterprise Detroit Fallon County Federal Credit Union Federation of Appalachian Housing Enterprises, Inc. (FAHE) First State Community Loan Fund Fresno Community Development Financial Institution GENESEE CO-OP FCU Genesis Fund Grow America Fund, Inc. Grow Iowa Foundation HomeSight Homewise, Inc. Hope Community Credit Union Housing Assistance Council, Inc. Howland-Enfield FCU Hunkpati Investments ICE (Institute for Community Economics, Inc.) Illinois Facilities Fund (IFF)

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

Housing to Individuals Business Business Housing to Organizations Housing to Organizations Consumer Commercial Real Estate Business Microenterprise Consumer Housing to Organizations Business Business Housing to Individuals Housing to Individuals Consumer Housing to Organizations Housing to Individuals Microenterprise Housing to Organizations Community Services/Facilities

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

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

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

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Appendix II. List of CDFIs Participating in the OFN Market Conditions Survey A. All Respondents, 3rdQ10, continued 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113

Organization Name Indian Land Capital Company Initiative Foundation Kentucky Highlands Investment Corporation La Plata Homes Fund, Inc. Lakota Fund, The Leviticus 25:23 Alternative Fund, Inc. Local Initiatives Support Corporation Low Income Investment Fund MACED MEO Business Development Corporation Midwest Housing Development Fund, Inc. Mile High Community Loan Fund Montana Community Development Corporation Mountain BizWorks National Housing Trust Community Development Fund NCALL Research, Inc. NCB Capital Impact NCP Community Development Federal Credit Union Nehemiah Community Reinvestment Fund, Inc. Neighborhood Housing Services of Chicago, Inc. Neighborhood Housing Services of Provo, Inc. Neighborhood Housing Services of Toledo, Inc. Neighborhood Housing Services, Inc. NeighborWorks Capital New Community Federal Credit Union New Hampshire Community Loan Fund, Inc. New Mexico Community Capital New Mexico Community Development Loan Fund, The Nonprofit Finance Fund North Carolina Community Development Initiative North Dade Community Development FCU Northeast Entrepreneur Fund, Inc. Northeast South Dakota Economic Corporation (NESDEC) Northern California Community Loan Fund Northern Economic Initiatives Corporation Northern Shores Loan Fund, Inc. Northland Foundation Northside Community Development Fund Northwest Ohio Development Agency Opportunities Credit Union Pacoima Development Federal Credit Union Partners for the Common Good PathStone Enterprise Center, Inc. Portland Housing Center Raza Development Fund, Inc. Rising Tide Community Loan Fund Rural Community Assistance Corporation (RCAC) Rural Electric Economic Development, Inc. Salt River Financial Services Institution (SRFSI) Seattle Economic Development Fund Seedco Financial Services, Inc. Self-Help Ventures Fund Siouxland Economic Development Corporation Southern Bancorp, Inc. Southern Mutual Financial Services, Inc. Texas Mezzanine Fund, Inc. The Reinvestment Fund (TRF)

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

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

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

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

75 

Appendix II. List of CDFIs Participating in the OFN Market Conditions Survey A. All Respondents, 3rdQ10, continued 114 115 116 117 118 119 120

Organization Name University Settlement FCU Vermont Community Loan Fund, Inc. Ways to Work, Inc. Western Massachusetts Enterprise Fund, Inc. Wisconsin Women's Business Initiative Corporation, Inc. Women's Economic Self-Sufficiency Team (WESST Corp.) YouthBuild Loan Fund, Inc.

Asset Group Small Medium Medium Small Small Small Small

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

Primary Type of Financing Consumer Business Consumer Business Microenterprise Microenterprise Business

Region Northeast Northeast Midwest Northeast Midwest West Northeast

76 

Appendix II. List of CDFIs Participating in the OFN Market Conditions Survey B. Trend Sample, 1stQ09 – 3rdQ10 Organization Name ACCION New Mexico-Arizona-Colorado ACCION Texas Louisiana ACE - Access to Capital for Entrepreneurs Baltimore Community Lending

Asset Group Medium Medium Small Medium

5 6 7 8 9 10 11 12 13 14 15 16 17

Boston Community Capital Chicago Community Loan Fund Citizen Potawatomi Community Development Corporation Coastal Enterprises, Inc. Community First Fund COMMUNITY INVESTMENT CORPORATION Community Reinvestment Fund USA, Inc Cooperative Business Assistance Corporation Corporation for Supportive Housing Enterprise Cascadia HomeSight Homewise, Inc. Hope Community Credit Union

Large Medium Medium Large Medium Large Large Medium Large Medium Large Large Large

18 19 20 21 22 23 24

Illinois Facilities Fund (IFF) Indian Land Capital Company Local Initiatives Support Corporation Low Income Investment Fund Midwest Housing Development Fund, Inc. National Housing Trust Community Development Fund NCALL Research, Inc.

Large Small Large Large Small Small Small

25 26 27 28 29

NCB Capital Impact Nehemiah Community Reinvestment Fund, Inc. Neighborhood Housing Services of Chicago, Inc. NeighborWorks Capital New Hampshire Community Loan Fund, Inc.

Large Medium Medium Medium Large

30 31 32 33 34 35 36 37 38 39 40 41

Nonprofit Finance Fund Rising Tide Community Loan Fund Rural Community Assistance Corporation (RCAC) Rural Electric Economic Development, Inc. Self-Help Ventures Fund Southern Bancorp, Inc. Southern Mutual Financial Services, Inc. Texas Mezzanine Fund, Inc. Vermont Community Loan Fund, Inc. Ways to Work, Inc. Western Massachusetts Enterprise Fund, Inc. Wisconsin Women's Business Initiative Corporation, Inc.

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

1 2 3 4

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

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

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

77 

Appendix III. Composition of Breakout Samples

 

Housing to Individuals

Housing to Organizations

0%

0%

0%

0%

0%

0%

0%

9% 30%

0% 3%

0% 7%

55% 1%

27% 13%

0% 23%

9% 21%

0% 1%

0% 2%

100%

0%

0%

0%

0%

0%

0%

0%

0%

Other

Intermediary

Community Services

100%

Consumer

Commercial Real Estate

0%

Business Banks Credit Unions Loan Funds Venture Funds

Microenterprise

A. Sectoral Composition by Financial Institution Type, 3rdQ2010

8% 5% 3%

15% 14% 13%

13% 24% 29%

36% 11% 0%

0% 0% 3%

Other

Housing to Organizations

0% 3% 19%

Intermediary

Housing to Individuals

0% 3% 10%

Microenterprise

Consumer

26% 41% 19%

Community Services

Small Medium Large

Commercial Real Estate

Business

B. Sectoral Composition of Asset Size, 3rdQ2010

2% 0% 3%

11% 9% 10% 27%

26% 18% 13% 20%

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

0% 0% 3% 0%

Other

15% 12% 33% 23%

Intermediary

4% 9% 7% 3%

Microenterprise

4% 12% 7% 0%

Housing to Organizations

4% 0% 7% 3%

Housing to Individuals

Consumer

37% 38% 20% 20%

Community Services

Midwest Northeast South West

Commercial Real Estate

Business

C. Sectoral Composition by Region, 3rdQ2010

0% 3% 0% 3%

78