Dearborn Bancorp (DEAR) 8-K Dearborn Bancorp Reports Third Quarter Results

Exhibit 99

DEARBORN BANCORP REPORTS THIRD QUARTER RESULTS

     DEARBORN, Michigan, October 20, 2009 ... Dearborn Bancorp, Inc. (Nasdaq: DEAR), the Holding Company for Fidelity Bank, today reported a net loss of $40,045,000 or $(5.24) per fully diluted common share for the three months ended September 30, 2009 compared to net income of $1,420,000 or $0.18 per share for the three months ended September 30, 2008. For the nine months ended September 30, 2009, the Company had a net loss of $55,369,000 or $(7.24) per share compared to a net loss of $2,518,000 or $(0.31) per share for the same period in 2008. The third quarter of 2009 includes a one time non-cash charge of $4,195,000 which writes off all remaining intangible assets related to prior acquisitions and a one time non-cash charge of $26,976,000 which is included in federal income tax expense to establish a valuation allowance on the entire net deferred tax assets.

     At the end of September, the Company’s total assets were $1,042,337,000, representing a decline of 3.4 percent over the preceding 12 months. Total deposits increased 5.3 percent over the previous year and stood at $904,954,000 when the third quarter ended. Total loans were $862,664,000 on September 30, 2009, 8.2 percent less than they had been on the same date in 2008. Strong emphasis is being placed on collection of the existing loan portfolio and new lending has been substantially curtailed.

     Michael J. Ross, President and Chief Executive Officer of both the Company and the Bank, announced the financial results and commented, “During the third quarter, we recognized charge-offs of approximately $8.2 million due to the declines in the value of collateral securing previously classified loans. For the nine months ended September 30, 2009, we have charged-off approximately $24.6 million related to declining collateral values. Our provision for loan losses was $14.2 million for the third quarter and our allowance for loan losses now stands at $28.4 million, or 3.29% of loans. The carrying value of other real estate owned was written down by $639,000 and defaulted loan expense including taxes, insurance, maintenance and legal was $1.8 million during the quarter.”

     Ross continued, “Similar to most banking companies, Dearborn Bancorp, Inc. has had net deferred tax assets on its books for potential future tax deductions. These deferred tax assets were primarily created from two tax deduction timing differences. First, provisions for loan losses that have increased the allowance for loan losses are not tax deductible until an actual loan charge-off has occurred. Second, goodwill and intangibles that we have written off in 2008 and 2009 for book purposes are only tax deductible on a straight line basis over 15 years. Statement of Financial Accounting Standards No. 109 — Accounting for Income Taxes requires a valuation allowance on such assets when there has been evidence of recent and current quarterly losses that have created a net operating loss that may not be deductible in future periods. It is important to note that the Company cannot receive any actual benefit from a net operating loss carryforward until it reports taxable income on its tax return and uses the carryforward to reduce its tax payments.The potential future benefit from a deferred tax asset therefore depends on generating sufficient future taxable income within the carryforward period to utilize the net operating loss carryforward and reverse the valuation allowance.”

     Dearborn Bancorp, Inc., is a registered bank holding company. Its sole banking subsidiary is Fidelity Bank. The Bank operates 17 offices in Wayne, Oakland, Macomb and Washtenaw Counties in the State of Michigan. Its common shares trade on the Nasdaq Global Market under the symbol DEAR.

CONTACT: Michael J. Ross, President & CEO, at (313) 565-5700 or Jeffrey L. Karafa, CFO, at (313) 381-3200.

Forward-Looking Statements

     This press release contains forward-looking statements (within the meaning of the Private Securities Litigation Reform Act of 1995) that are based on current expectations. Words such as “anticipates,” “believes,” “estimates,” “expects,” “forecasts,” “intends,” “is likely,” “plans,” “projects,” variations of such words and similar expressions are intended to identify such forward-looking statements. These statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions (“Future Factors”) that are difficult to predict with regard to timing, extent, likelihood and degree of occurrence. Actual results and outcomes may materially differ from what is expressed in forward-looking statements. Dearborn Bancorp undertakes no obligation to update, amend or clarify forward-looking statements, whether as a result of new information, future events (whether anticipated or unanticipated), or otherwise.

     Future Factors include changes in interest rates and interest rate relationships; demand for products and services; the degree of competition by traditional and non-traditional competitors; changes in banking regulation; changes in tax laws; changes in prices, levies and assessments; the impact of technological advances; governmental and regulatory policy changes; the outcomes of contingencies, trends in customer behavior as well as their ability to repay loans; changes in local real estate values; changes in the national and local economy; and other factors, including risk factors disclosed from time to time in filings made by Dearborn Bancorp with the Securities and Exchange Commission. These are representative of the Future Factors and could cause a difference between an ultimate actual outcome and a preceding forward-looking statement.

2

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONDENSED CONSOLIDATED BALANCE SHEETS (unaudited)

(Dollars, in thousands)

	09/30/09			12/31/08			09/30/08
ASSETS
Cash and cash equivalents
Cash and due from banks	$	17,330		$	11,671		$	15,744
Federal funds sold		6,206			4,455			14,281
Interest bearing deposits with banks		117,732			36,876			33,146
Total cash and cash equivalents		141,268			53,002			63,171
Mortgage loans held for sale		1,449			1,834			281
Securities, available for sale		13,547			84,148			2,520
Securities, held to maturity		363			—			—
Federal Home Loan Bank stock		3,698			3,614			3,614
Loans
Loans		862,664			933,269			939,626
Allowance for loan loss		(28,373	)		(14,452	)		(16,429	)
Net loans		834,291			918,817			923,197
Premises and equipment, net		20,477			21,272			21,491
Real estate owned		15,472			9,657			8,343
Goodwill		—			—			34,028
Other intangible assets		—			4,592			10,165
Accrued interest receivable		3,619			3,499			3,601
Other assets		8,153			21,483			8,110
Total assets	$	1,042,337		$	1,121,918		$	1,078,521
LIABILITIES
Deposits
Non-interest bearing deposits	$	89,329		$	81,317		$	84,073
Interest bearing deposits		815,625			857,078			775,196
Total deposits		904,954			938,395			859,269
Other liabilities
Federal funds purchased		—			—			—
Securities sold under agreements to repurchase		2,302			2,461			222
Federal Home Loan Bank advances		73,855			65,019			72,283
Accrued interest payable		956			1,695			1,734
Other liabilities		2,380			1,037			1,173
Subordinated debentures		10,000			10,000			10,000
Total liabilities		994,447			1,018,607			944,681
STOCKHOLDERS’ EQUITY
Common stock - 20,000,000 shares authorized, 7,687,470 shares at 09/30/09, 7,696,204 shares at 12/31/08; and 8,098,557 shares at 09/30/08		131,897			131,784			133,099
Accumulated deficit		(84,042	)		(28,675	)		732
Accumulated other comprehensive income		35			202			9
Total stockholders’ equity		47,890			103,311			133,840
Total liabilities and stockholders’ equity	$	1,042,337		$	1,121,918		$	1,078,521

3

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONDENSED CONSOLIDATED STATEMENTS OF INCOME (unaudited)

	Three Months Ended						Nine Months Ended
(In thousands, except share and per share data)	09/30/09			09/30/08			09/30/09			09/30/08
Interest income
Interest on loans, including fees	$	13,135		$	14,742		$	40,231		$	45,910
Interest on securities, available for sale		33			97			467			315
Interest on federal funds		2			22			14			59
Interest on deposits with banks		76			2			273			3
Total interest income		13,246			14,863			40,985			46,287
Interest expense
Interest on deposits		4,806			5,764			16,262			18,666
Interest on other borrowings		504			709			1,523			2,514
Interest on subordinated debentures		110			140			320			520
Total interest expense		5,420			6,613			18,105			21,700
Net interest income		7,826			8,250			22,880			24,587
Provision for loan losses		14,185			90			38,522			9,722
Net interest income (loss) after provision for loan losses		(6,359	)		8,160			(15,642	)		14,865
Non-interest income
Service charges on deposit accounts		388			403			1,118			1,146
Fees for other services to customers		33			23			95			89
Gain on the sale of loans		37			61			253			165
Write-down of real estate		(639	)		(209	)		(2,499	)		(509	)
Gain (loss) on the sale of real estate		(154	)		(16	)		(157	)		(720	)
Gain (loss) on the sale of securities		—			9			465			9
Write-down of securities		(387	)		—			(387	)		—
Write-down of other assets		—			—			(100	)		—
Other income		122			48			369			195
Total non-interest income		(600	)		319			(843	)		375
Non-interest expenses
Salaries and employee benefits		3,159			3,413			9,657			9,906
Occupancy and equipment expense		903			908			2,753			2,771
Intangible expense		4,195			323			4,592			968
FDIC Assessment		672			174			1,853			522
Advertising and marketing		48			138			177			392
Stationery and supplies		120			103			340			407
Professional services		234			241			598			726
Data processing		219			145			685			602
Defaulted loan expense		1,827			483			3,514			1,429
Other operating expenses		433			384			1,255			1,255
Total non-interest expenses		11,810			6,312			25,424			18,978
Loss before income tax provision		(18,769	)		2,167			(41,909	)		(3,738	)
Income tax expense (benefit)		21,276			747			13,460			(1,220	)
Net income (loss)	$	(40,045	)	$	1,420		$	(55,369	)	$	(2,518	)
Per share data:
Net loss — basic	$	(5.24	)	$	0.18		$	(7.24	)	$	(0.31	)
Net loss — diluted	$	(5.24	)	$	0.18		$	(7.24	)	$	(0.31	)
Weighted average number of shares outstanding — basic		7,645,940			8,044,180			7,644,785			8,078,188
Weighted average number of shares outstanding — diluted		7,645,940			8,082,263			7,644,785			8,078,188

4

DEARBORN BANCORP, INC. AND SUBSIDIARY
ASSET QUALITY DATA

(Dollars, in thousands)

	9/30/2009		6/30/2009		3/31/2009		12/31/2008		9/30/2008
Troubled debt restructuring	$	45,634	$	46,714	$	19,506	$	17,765	$	15,328
Loans over 90 days past due and still accruing		—		—		—		450		3,141
Non-accrual loans		58,866		57,610		55,148		51,708		51,342
Total non-performing loans		104,500		104,324		74,654		69,923		69,811
Other real estate and other repossessed assets		15,472		17,434		14,624		9,657		8,343
Total non-performing assets	$	119,972	$	121,758	$	89,278	$	79,580	$	78,154
Net charge-offs (year to date)	$	24,600	$	16,367	$	6,547	$	10,771	$	3,910
Allowance for loan losses		28,373		22,422		18,632		14,452		16,429

ASSET QUALITY RATIOS

	9/30/2009			6/30/2009			3/31/2009			12/31/2008			9/30/2008
Non-accrual loans to total loans		6.82	%		6.53	%		6.13	%		5.54	%		5.47	%
Non-performing loans to total loans		12.11	%		11.83	%		8.29	%		7.49	%		7.43	%
Non-performing assets to total assets		11.51	%		12.30	%		8.31	%		7.09	%		7.25	%
Loans over 90 days past due and still accruing to total loans		—	%		—	%		—	%		0.05	%		0.33	%
Net charge-offs to average loans		2.74	%		1.80	%		0.71	%		1.14	%		0.41	%
Allowance for loan losses to non-performing loans		27.15	%		21.49	%		24.96	%		20.67	%		23.53	%
Allowance for loan losses to non-performing assets		23.65	%		18.42	%		20.87	%		18.16	%		21.02	%
Allowance for loan losses to total loans		3.29	%		2.54	%		2.07	%		1.55	%		1.75	%

5

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED FINANCIAL DATA

	Quarter ended
(Dollars in thousands, except share and per share data)	9/30/2009			6/30/2009			3/31/2009			12/31/2008			9/30/2008
EARNINGS SUMMARY
Net interest income	$	7,826		$	7,537		$	7,517		$	7,544		$	8,250
Provision for loan loss	$	14,185		$	13,610		$	10,727		$	4,884		$	90
Total non-interest income	$	(600	)	$	(571	)	$	328		$	(1,305	)	$	319
Total non-interest expense	$	11,810		$	7,103		$	6,511		$	46,029		$	6,312
Income taxes (benefit)	$	21,276		$	(4,672	)	$	(3,144	)	$	(15,267	)	$	747
Net income (loss)	$	(40,045	)	$	(9,075	)	$	(6,249	)	$	(29,407	)	$	1,420
Basic earnings per share	$	(5.24	)	$	(1.19	)	$	(0.82	)	$	(3.77	)	$	0.18
Diluted earnings per share	$	(5.24	)	$	(1.19	)	$	(0.82	)	$	(3.77	)	$	0.18
MARKET DATA
Book value per share	$	6.23		$	11.43		$	12.60		$	13.42		$	16.53
Tangible book value per share	$	6.23		$	10.59		$	12.26		$	11.16		$	11.07
Market value per share	$	1.21		$	1.80		$	1.82		$	1.66		$	4.99
Average basic common shares		7,645,940			7,644,207			7,644,188			7,796,354			8,044,180
Average diluted common shares		7,645,940			7,644,207			7,644,188			7,796,354			8,082,263
Period end common shares		7,687,470			7,687,470			7,696,204			7,696,204			8,098,557
PERFORMANCE RATIOS
Return on average assets		-15.60	%		-3.41	%		-2.30	%		-10.72	%		0.54	%
Return on average equity		-179.39	%		-37.35	%		-24.30	%		-87.91	%		4.22	%
Net interest margin (FTE)		3.24	%		3.01	%		2.93	%		2.96	%		3.41	%
Efficiency ratio		147.28	%		83.53	%		79.69	%		572.00	%		71.78	%
ASSET QUALITY
Net charge-offs (YTD)	$	24,600		$	16,367		$	6,547		$	10,771		$	3,910
Nonperforming loans	$	104,500		$	104,324		$	74,654		$	69,923		$	69,811
Other real estate	$	15,472		$	17,434		$	14,624		$	9,657		$	8,343
Nonperforming loans to total loans		12.11	%		11.83	%		8.29	%		7.49	%		7.43	%
Nonperforming assets to total assets		11.51	%		12.30	%		8.31	%		7.09	%		7.25	%
Allowance for loan loss to total loans		3.29	%		2.54	%		2.07	%		1.55	%		1.75	%
CAPITAL & LIQUIDITY
Average equity to average assets		8.70	%		9.13	%		9.49	%		12.20	%		12.85	%
Tier 1 capital to risk weighted assets		6.40	%		7.32	%		9.51	%		9.11	%		10.23	%
Total capital to risk weighted assets		7.65	%		8.59	%		10.76	%		10.37	%		11.48	%
Loan to deposit ratio		95.33	%		108.44	%		99.17	%		99.45	%		109.36	%
Loan to funding ratio		87.04	%		98.05	%		92.33	%		91.87	%		99.77	%
END OF PERIOD BALANCES
Total portfolio loans	$	862,664		$	881,818		$	900,055		$	933,269		$	939,109
Earning assets	$	1,005,659		$	909,462		$	1,012,149		$	1,064,196		$	992,951
Total assets	$	1,042,337		$	989,800		$	1,073,744		$	1,121,918		$	1,077,979
Deposits	$	904,954		$	813,167		$	907,579		$	938,395		$	858,751
Total shareholders’equity	$	47,890		$	87,877		$	96,964		$	103,311		$	133,840
AVERAGE BALANCES
Total portfolio loans	$	875,545		$	897,978		$	919,705		$	940,195		$	944,262
Earning assets	$	958,383		$	1,004,914		$	1,039,618		$	1,010,304		$	961,935
Total assets	$	1,018,320		$	1,066,951		$	1,099,573		$	1,091,120		$	1,042,152
Deposits	$	841,447		$	898,387		$	920,113		$	876,569		$	822,424
Total shareholders’equity	$	88,565		$	97,454		$	104,298		$	133,081		$	133,949

6

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED BALANCE SHEETS

(Dollars, in thousands)

	Quarter Ended
	9/30/09			6/30/09			3/31/09			12/31/08			9/30/08
ASSETS
Cash and cash equivalents
Cash and due from banks	$	17,330		$	25,475		$	11,881		$	11,671		$	15,719
Federal funds sold		6,206			1,425			6,841			4,455			14,281
Interest bearing deposits with banks		117,732			18,454			53,262			36,876			33,146
Total cash and cash equivalents		141,268			45,354			71,984			53,002			63,146
Mortgage loans held for sale		1,449			60			3,009			1,834			281
Securities		13,910			4,007			45,368			84,148			2,520
Federal Home Loan Bank stock		3,698			3,698			3,614			3,614			3,614
Loans
Loans		862,664			881,818			900,055			933,269			939,109
Allowance for loan loss		(28,373	)		(22,422	)		(18,632	)		(14,452	)		(16,429	)
Net loans		834,291			859,396			881,423			918,817			922,680
Bank premises and equipment, net		20,477			20,784			21,001			21,272			21,491
Other real estate		15,472			17,434			14,624			9,657			8,343
Goodwill		—			—			—			—			34,028
Other intangible assets		—			4,195			4,394			4,592			10,165
Accrued interest receivable		3,619			3,512			3,920			3,499			3,601
Other assets		8,153			31,360			24,407			21,483			8,110
Total assets	$	1,042,337		$	989,800		$	1,073,744		$	1,121,918		$	1,077,979
LIABILITIES
Deposits
Non-interest bearing deposits	$	89,329		$	83,752		$	80,624		$	81,317		$	83,555
Interest bearing deposits		815,625			729,415			826,955			857,078			775,196
Total deposits		904,954			813,167			907,579			938,395			858,751
Other liabilities
Federal funds purchased		—			—			—			—			—
Securities sold under agreements to repurchase		2,302			2,206			2,268			2,461			222
Federal Home Loan Bank advances		73,855			73,955			54,955			65,019			72,283
Other liabilities		2,380			1,104			606			1,037			1,735
Accrued interest payable		956			1,491			1,372			1,695			1,148
Subordinated debentures		10,000			10,000			10,000			10,000			10,000
Total liabilities		994,447			901,923			976,780			1,018,607			944,139
Total stockholders’ equity		47,890			87,877			96,964			103,311			133,840
Total liabilities and stockholders’ equity	$	1,042,337		$	989,800		$	1,073,744		$	1,121,918		$	1,077,979

7

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED INCOME STATEMENT

	Quarter ended
(Dollars, in thousands)	9/30/2009			6/30/2009			3/31/2009			12/31/2008			9/30/2008
INTEREST INCOME
Interest on loans, including fees	$	13,135		$	13,286		$	13,810		$	14,623		$	14,742
Interest on other earning assets		111			287			356			216			121
Total interest income		13,246			13,573			14,166			14,839			14,863
INTEREST EXPENSE
Interest on deposits		4,806			5,458			5,998			6,440			5,764
Interest on other liabilities		614			578			651			855			849
Total interest expense		5,420			6,036			6,649			7,295			6,613
Net interest income		7,826			7,537			7,517			7,544			8,250
Provision for loan loss		14,185			13,610			10,727			4,884			90
Net interest income (loss) after provision for loan loss		(6,359	)		(6,073	)		(3,210	)		2,660			8,160
NON-INTEREST INCOME
Deposit service charges		421			412			380			431			426
Gain on the sale of loans		37			160			56			—			61
Loss on the sale or write-down of real estate		(793	)		(1,538	)		(325	)		(1,808	)		(225	)
Other		(265	)		395			217			72			57
Total non-interest income (loss)		(600	)		(571	)		328			(1,305	)		319
NON-INTEREST EXPENSE
Salaries and employee benefits		3,159			3,208			3,290			3,236			3,413
Occupancy and equipment expense		903			916			934			981			908
Impairment of goodwill and other intangible assets		3,997			—			—			39,601			—
Other expense		3,751			2,979			2,287			2,211			1,991
Total non-interest expense		11,810			7,103			6,511			46,029			6,312
Income (loss) before income tax provision		(18,769	)		(13,747	)		(9,393	)		(44,674	)		2,167
Income tax provision (benefit)		21,276			(4,672	)		(3,144	)		(15,267	)		747
Net income (loss)	$	(40,045	)	$	(9,075	)	$	(6,249	)	$	(29,407	)	$	1,420

8

DEARBORN BANCORP, INC. AND SUBSIDIARY
TANGIBLE ASSETS & EQUITY

	Quarter Ended
(Dollars, in thousands)	9/30/2009		9/30/2008
Average GAAP equity	$	88,565	$	133,935
Goodwill		—		34,028
Other intangible assets		—		10,331
Deferred taxes		—		(785	)
		0		43,574
Average tangible equity	$	88,565	$	90,361

	Quarter Ended
	9/30/2009		9/30/2008
Average GAAP assets	$	1,018,320	$	1,042,152
Goodwill		—		34,028
Other intangible assets		—		10,331
Deferred taxes		—		(785	)
		0		43,574
Average tangible assets	$	1,018,320	$	998,578

DEARBORN BANCORP, INC. AND SUBSIDIARY
DEPOSIT INFORMATION

(In thousands)

	September 30
Category	2009		2008
Non-interest bearing
Demand	$	89,329	$	84,073
Interest bearing
Interest Checking	$	88,820	$	91,122
Money market		75,962		81,274
Savings		45,665		60,893
Time, under $100,000		291,314		194,530
Time, $100,000 and over		313,864		347,377
		815,625		775,196
	$	904,954	$	859,269

9

Dearborn Bancorp, Inc.
Loan Information at September 30, 2009

			Loan Detail										Other Related Data
			Accruing Loans										Allowance		Year to Date		Other Real
(In thousands)	9/30/09		Current		TDR		30 to 89 past due		90+ days past due		Non-Accrual		For Loan Losses		Net Charge-Offs		Estate Owned
Consumer Loans	$	30,028	$	28,383	$	0	$	410	$	0	$	1,235	$	623	$	547	$	18
Commercial Loans		154,358		131,518		13,010		1,192		0		8,638		4,784		3,368		2,588
Land Development — Residential		44,997		29,203		1,309		0		0		14,485		5,849		7,008		4,380
Land Development — Non Residential		11,604		8,244		0		231		0		3,129		778		3,999		384
Commercial Construction Loans — Residential		15,042		9,389		98		0		0		5,555		3,485		1,270		2,002
Commercial Construction Loans — Non Residential		20,445		17,378		0		0		0		3,067		1,196		1,981		0
Commercial Mortgage Loans		539,200		481,151		31,217		6,365		0		20,467		10,775		5,743		5,340
Residential Mortgage Loans		46,990		42,877		0		1,823		0		2,290		883		684		760
Totals	$	862,664	$	748,143	$	45,634	$	10,021	$	0	$	58,866	$	28,373	$	24,600	$	15,472

Loan Information at June 30, 2009

			Loan Detail										Other Related Data
			Accruing Loans										Allowance		Year to Date		Other Real
(In thousands)	6/30/09		Current		TDR		30 to 89 past due		90+ days past due		Non-Accrual		For Loan Losses		Net Charge-Offs		Estate Owned
Consumer Loans	$	30,270	$	29,017	$	0	$	214	$	0	$	1,039	$	359	$	528	$	18
Commercial Loans		156,688		131,630		14,346		3,791		0		6,921		4,025		2,301		1,913
Land Development — Residential		48,454		31,199		1,309		240		0		15,706		6,114		5,280		4,103
Land Development — Non Residential		13,405		7,483		0		1,150		0		4,772		1,448		2,356		384
Commercial Construction Loans — Residential		13,125		7,846		99		103		0		5,077		2,345		1,176		2,495
Commercial Construction Loans — Non Residential		22,518		16,336		0		0		0		6,182		869		430		0
Commercial Mortgage Loans		549,275		486,038		30,960		15,969		0		16,308		6,623		3,682		7,789
Residential Mortgage Loans		48,083		46,258		0		220		0		1,605		639		614		732
Totals	$	881,818	$	755,807	$	46,714	$	21,687	$	0	$	57,610	$	22,422	$	16,367	$	17,434

Loan Information at March 31, 2009

			Loan Detail										Other Related Data
			Accruing Loans										Allowance		Year to Date		Other Real
(In thousands)	3/31/09		Current		TDR		30 to 89 past due		90+ days past due		Non-Accrual		For Loan Losses		Net Charge-Offs		Estate Owned
Consumer Loans	$	31,000	$	29,664	$	0	$	208	$	0	$	1,128	$	314	$	113	$	18
Commercial Loans		161,138		143,349		9,490		2,630		0		5,669		2,712		1,003		2,499
Land Development — Residential		50,028		35,850		0		2,637		0		11,541		6,113		2,881		4,431
Land Development — Non Residential		15,914		8,873		0		0		0		7,041		4,203		197		282
Commercial Construction Loans — Residential		15,687		11,730		0		0		0		3,957		2,237		64		2,785
Commercial Construction Loans — Non Residential		25,716		18,997		0		0		0		6,719		1,494		176		0
Commercial Mortgage Loans		548,692		511,915		10,016		8,649		0		18,112		1,008		2,088		3,708
Residential Mortgage Loans		51,880		49,761		0		1,138		0		981		551		25		901
Totals	$	900,055	$	810,139	$	19,506	$	15,262	$	0	$	55,148	$	18,632	$	6,547	$	14,624

10

Dearborn Bancorp, Inc.
Loan Information at December 31, 2008

			Loan Detail										Other Related Data
			Accruing Loans										Allowance		Year to Date		Other Real
(In thousands)	12/31/08		Current		TDR		30 to 89 past due		90+ days past due		Non-Accrual		For Loan Losses		Net Charge-Offs		Estate Owned
Consumer Loans	$	31,864	$	30,652	$	0	$	127	$	0	$	1,085	$	163	$	299	$	0
Commercial Loans		164,740		156,135		1,985		1,053		254		5,313		1,532		4,187		1,586
Land Development — Residential		54,323		37,044		3,843		0		0		13,436		3,663		2,636		4,089
Land Development — Non Residential		16,094		12,026		0		0		0		4,068		1,922		0		282
Commercial Construction Loans — Residential		17,296		12,524		0		0		0		4,772		1,316		801		1,975
Commercial Construction Loans — Non Residential		25,322		23,706		0		0		0		1,616		1,149		131		0
Commercial Mortgage Loans		571,204		532,977		11,937		5,583		196		20,511		4,509		2,425		1,003
Residential Mortgage Loans		52,426		51,233		0		286		0		907		198		292		722
Totals	$	933,269	$	856,297	$	17,765	$	7,049	$	450	$	51,708	$	14,452	$	10,771	$	9,657

Loan Information at September 30, 2008

			Loan Detail										Other Related Data
			Accruing Loans										Allowance		Year to Date		Other Real
(In thousands)	9/30/08		Current		TDR		30 to 89 past due		90+ days past due		Non-Accrual		For Loan Losses		Net Charge-Offs		Estate Owned
Consumer Loans	$	32,472	$	30,993	$	0	$	333	$	128	$	1,018	$	367	$	160	$	0
Commercial Loans		162,311		152,665		1,934		1,972		93		5,647		1,076		3,094		125
Land Development — Residential		56,878		42,352		4,381		820		0		9,325		4,072		229		4,425
Land Development — Non Residential		17,894		12,295		671		860		0		4,068		1,791		0		343
Commercial Construction Loans — Residential		20,573		12,909		1,168		0		0		6,496		3,069		0		729
Commercial Construction Loans — Non
Residential		30,145		23,901		2,558		492		0		3,194		843		58		0
Commercial Mortgage Loans		565,365		533,592		4,616		3,494		2,810		20,853		4,672		185		2,049
Residential Mortgage Loans		53,471		52,172		0	��	448		110		741		539		184		672
Totals	$	939,109	$	860,879	$	15,328	$	8,419	$	3,141	$	51,342	$	16,429	$	3,910	$	8,343

11