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

Exhibit 99

DEARBORN BANCORP REPORTS SECOND QUARTER RESULTS

     DEARBORN, Michigan, July 20, 2010 ... Dearborn Bancorp, Inc. (Nasdaq: DEAR), the Holding Company for Fidelity Bank (“Bank”), today reported a net loss of $13,629,000 or $(1.78) per fully diluted common share for the three months ended June 30, 2010 compared to a net loss of $9,075,000 or $(1.19) per share for the three months ended June 30, 2009. For the six months ended June 30, 2010, the Company’s net loss was $12,501,000 or $(1.63) compared to a net loss of $15,324,000 or $(2.00) for the same period in 2009. The Company’s Shareholders’ Equity of $29,963,000 equates to a book value of $3.90 per share compared to the market closing price of $1.87 on June 30, 2010. In accordance with regulatory capital guidelines, the Bank remains “undercapitalized” at June 30, 2010.

     At June 30, 2010, the Company’s total assets were $933,113,000, representing a decline of 5.72 percent over the preceding 12 months. Total deposits increased 1.78 percent over the previous year and stood at $827,664,000 when the second quarter ended. Total loans were $783,032,000 on June 30, 2010, 11.28 percent less than they had been on the same date in 2009. Strong emphasis is being placed on collection and maintenance of the existing loan portfolio and new lending has been curtailed to conserve capital.

     Michael J. Ross, President and Chief Executive Officer of both the Company and the Bank, announced the financial results and commented, “During the second quarter, charge-offs were $10.5 million and were all related to the reappraisal or reevaluation of collateral on already identified substandard classified loans. The corresponding provision for loan losses was $11.8 million for the second quarter which brought the total allowance for loan losses to $31.6 million or 4.03% of total loans. During the second quarter, loans restructured under troubled debt guidelines increased by $6.8 million as the Bank continues to work with borrowers to repay their loans. Non-accruing loans declined by $7.2 million and other real estate owned declined by $491,000 resulting in a decline in overall non-performing assets of $842,000 for the second quarter.”

     Ross continued, “The carrying value of other real estate owned was written down by $3.7 million due to the reappraisal or reevaluation of foreclosed collateral. Defaulted loan expense including taxes, insurance, maintenance and legal was $1.1 million during the quarter.”

     Ross concluded, “The core operations of the Company continue to produce income to offset the high cost of FDIC insurance and the holding costs of other real estate owned. The level of future unknown charge-offs remains the determining factor as to whether the Company can be profitable in future quarters. Thus, our primary concerns for 2010 are the Michigan economy, credit quality, and the stability or improvement of the underlying collateral values in our loan portfolio.”

     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; actions by bank regulators; availability of capital; 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)	6/30/2010			12/31/2009			6/30/2009
ASSETS
Cash and cash equivalents
Cash and due from banks	$	7,088		$	7,803		$	25,475
Federal funds sold		57			156			1,425
Interest bearing deposits with banks		67,056			69,538			18,454
Total cash and cash equivalents		74,201			77,497			45,354
Mortgage loans held for sale		1,169			1,129			60
Securities available for sale		46,171			45,964			3,257
Securities held to maturity		336			336			—
Federal Home Loan Bank stock		3,698			3,698			3,698
Loans
Loans		783,032			833,136			882,568
Allowance for loan losses		(31,574	)		(35,125	)		(22,422	)
Net loans		751,458			798,011			860,146
Premises and equipment, net		19,724			20,194			20,784
Real estate owned		23,976			23,435			17,434
Other intangible assets		—			—			4,195
Accrued interest receivable		3,181			3,562			3,512
Other assets		9,199			12,660			31,360
Total assets	$	933,113		$	986,486		$	989,800
LIABILITIES
Deposits
Non-interest bearing deposits	$	91,447		$	83,873		$	83,752
Interest bearing deposits		736,217			784,082			729,415
Total deposits		827,664			867,955			813,167
Other liabilities
Securities sold under agreements to repurchase		—			—			2,206
Federal Home Loan Bank advances		63,799			63,855			73,955
Accrued interest payable		941			1,046			1,104
Other liabilities		746			1,685			1,491
Subordinated debentures		10,000			10,000			10,000
Total liabilities		903,150			944,541			901,923
STOCKHOLDERS’ EQUITY
Common stock — no par value 100,000,000 shares authorized, 7,685,704 at 6/30/10, 7,687,470 shares at 12/31/09 and 7,687,470 shares at 6/30/09		131,991			131,929			131,866
Retained earnings (accumulated deficit)		(102,350	)		(89,850	)		(43,998	)
Accumulated other comprehensive income (loss)		322			(134	)		9
Total stockholders’ equity		29,963			41,945			87,877
Total liabilities and stockholders’ equity	$	933,113		$	986,486		$	989,800

3

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENT OF OPERATIONS (unaudited)

	Three Months Ended						Six Months Ended
(In thousands, except share data)	6/30/2010			6/30/2009			6/30/2010			6/30/2009
Interest income
Interest on loans	$	11,536		$	13,286		$	23,314		$	27,096
Interest on securities, available for sale		157			178			325			434
Interest on deposits with banks		64			103			101			197
Interest on federal funds		—			6			1			12
Total interest income		11,757			13,573			23,741			27,739
Interest expense
Interest on deposits		2,925			5,458			6,468			11,456
Interest on other liabilities		376			578			762			1,229
Total interest expense		3,301			6,036			7,230			12,685
Net interest income		8,456			7,537			16,511			15,054
Provision for loan losses		11,803			13,610			11,903			24,337
Net interest income (loss) after provision for loan losses		(3,347	)		(6,073	)		4,608			(9,283	)
Non-interest income
Service charges on deposit accounts		380			375			723			730
Fees for other services to customers		49			37			85			62
Gain on the sale of loans		66			160			124			216
Gain on the sale of securities		—			270			69			465
Gain (loss) on the sale of real estate owned		43			(32	)		32			(3	)
Loss on the write-down of real estate owned		(3,693	)		(1,506	)		(4,349	)		(1,860	)
Other income		78			125			180			147
Total non-interest income		(3,077	)		(571	)		(3,136	)		(243	)
Non-interest expense
Salaries and employee benefits		3,078			3,208			6,197			6,498
Occupancy and equipment expense		777			916			1,631			1,850
Amortization of intangible expense		—			199			—			397
FDIC assessment		1,125			833			2,075			1,181
Advertising and marketing		33			59			60			129
Stationery and supplies		75			109			147			220
Professional services		306			173			472			364
Data processing		174			238			360			466
Defaulted loan expense		1,054			926			2,089			1,687
Other operating expenses		583			442			942			822
Total non-interest expense		7,205			7,103			13,973			13,614
Income before federal income tax expense		(13,629	)		(13,747	)		(12,501	)		(23,140	)
Income tax expense (benefit)		—			(4,672	)		—			(7,816	)
Net loss		($13,629	)		($9,075	)		($12,501	)		($15,324	)
Per share data:
Net loss — basic		($1.78	)		($1.19	)		($1.63	)		($2.00	)
Net loss — diluted		($1.78	)		($1.19	)		($1.63	)		($2.00	)
Weighted average number of shares outstanding — basic		7,645,940			7,644,207			7,645,940			7,644,198
Weighted average number of shares outstanding — diluted		7,645,940			7,644,207			7,645,940			7,644,198

4

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED BALANCE SHEETS

	Quarter Ended
(Dollars, in thousands)	6/30/10			3/31/10			12/31/09			9/30/09			6/30/09
ASSETS
Cash and cash equivalents
Cash and due from banks	$	7,088		$	8,047		$	7,803		$	17,330		$	25,475
Federal funds sold		57			57			156			6,206			1,425
Interest bearing deposits with banks		67,056			70,898			69,538			117,732			18,454
Total cash and cash equivalents		74,201			79,002			77,497			141,268			45,354
Mortgage loans held for sale		1,169			758			1,129			1,449			60
Securities		46,507			46,267			46,300			13,910			4,007
Federal Home Loan Bank stock		3,698			3,698			3,698			3,698			3,698
Loans
Loans		783,032			813,961			833,136			862,664			881,818
Allowance for loan loss		(31,574	)		(30,288	)		(35,125	)		(28,373	)		(22,422	)
Net loans		751,458			783,673			798,011			834,291			859,396
Bank premises and equipment, net		19,724			19,973			20,194			20,477			20,784
Other real estate		23,976			24,467			23,435			15,472			17,434
Other intangible assets		—			—			—			—			4,195
Accrued interest receivable		3,181			3,595			3,562			3,619			3,512
Other assets		9,199			9,266			12,660			8,153			31,360
Total assets	$	933,113		$	970,699		$	986,486		$	1,042,337		$	989,800
LIABILITIES
Deposits
Non-interest bearing deposits	$	91,447		$	86,407		$	83,873		$	89,329		$	83,752
Interest bearing deposits		736,217			765,610			784,082			815,625			729,415
Total deposits		827,664			852,017			867,955			904,954			813,167
Other liabilities
Securities sold under agreements to repurchase		—			—			—			2,302			2,206
Federal Home Loan Bank advances		63,799			63,799			63,855			73,855			73,955
Other liabilities		942			956			1,685			2,380			1,104
Accrued interest payable		745			747			1,046			956			1,491
Subordinated debentures		10,000			10,000			10,000			10,000			10,000
Total liabilities		903,150			927,519			944,541			994,447			901,923
Total stockholders’ equity
		29,963			43,180			41,945			47,890			87,877
Total liabilities and stockholders’ equity	$	933,113		$	970,699		$	986,486		$	1,042,337		$	989,800

5

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENT OF OPERATIONS

	Quarter ended
(Dollars, in thousands)	6/30/2010			3/31/2010			12/31/2009			9/30/2009			6/30/2009
INTEREST INCOME
Interest on loans, including fees	$	11,536		$	11,778		$	13,042		$	13,135		$	13,286
Interest on other earning assets		221			206			226			111			287
Total interest income		11,757			11,984			13,268			13,246			13,573
INTEREST EXPENSE
Interest on deposits		2,925			3,543			4,731			4,806			5,458
Interest on other liabilities		376			386			531			614			578
Total interest expense		3,301			3,929			5,262			5,420			6,036
Net interest income		8,456			8,055			8,006			7,826			7,537
Provision for loan loss		11,803			100			12,341			14,185			13,610
Net interest income (loss) after provision for loan loss		(3,347	)		7,955			(4,335	)		(6,359	)		(6,073	)
NON-INTEREST INCOME
Deposit service charges		429			379			412			421			412
Gain on the sale of loans		66			58			99			37			160
Loss on the sale or write-down of real estate		(3,650	)		(667	)		(249	)		(793	)		(1,538	)
Other		78			171			112			(265	)		395
Total non-interest income (loss)		(3,077	)		(59	)		374			(600	)		(571	)
NON-INTEREST EXPENSE
Salaries and employee benefits		3,078			3,119			3,317			3,159			3,208
Occupancy and equipment expense		777			854			870			903			916
Impairment of goodwill and other intangible assets		—			—			—			3,997			—
Other expense		3,350			2,795			3,109			3,751			2,979
Total non-interest expense		7,205			6,768			7,296			11,810			7,103
Income (loss) before income tax provision		(13,629	)		1,128			(11,257	)		(18,769	)		(13,747	)
Income tax provision (benefit)		0			0			(5,451	)		21,276			(4,672	)
Net income (loss)		($13,629	)	$	1,128			($5,806	)		($40,045	)		($9,075	)

6

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED FINANCIAL DATA

	Quarter ended
(Dollars in thousands, except share and per share data)	6/30/2010			3/31/2010			12/31/2009			9/30/2009			6/30/2009
EARNINGS SUMMARY
Net interest income	$	8,456		$	8,055		$	8,006		$	7,826		$	7,537
Provision for loan loss	$	11,803		$	100		$	12,341		$	14,185		$	13,610
Total non-interest income		($3,077	)		($59	)	$	374			($600	)		($571	)
Total non-interest expense	$	7,205		$	6,768		$	7,296		$	11,810		$	7,103
Income taxes (benefit)	$	0		$	0			($5,451	)	$	21,276			($4,672	)
Net income (loss)		($13,629	)	$	1,128			($5,806	)		($40,045	)		($9,075	)
Basic earnings per share		($1.78	)	$	0.15			($0.76	)		($5.24	)		($1.19	)
Diluted earnings per share		($1.78	)	$	0.15			($0.76	)		($5.24	)		($1.19	)
MARKET DATA
Book value per share	$	3.90		$	5.62		$	5.46		$	6.23		$	11.43
Tangible book value per share	$	3.90		$	5.62		$	5.46		$	6.23		$	10.59
Market value per share	$	1.87		$	1.11		$	0.46		$	1.21		$	1.80
Average basic common shares		7,645,940			7,645,940			7,645,940			7,645,940			7,644,207
Average diluted common shares		7,645,940			7,645,940			7,645,940			7,645,940			7,644,207
Period end common shares		7,685,704			7,687,470			7,687,470			7,687,470			7,687,470
PERFORMANCE RATIOS
Return on average assets		-5.67	%		0.44	%		-2.20	%		-15.77	%		-3.45	%
Return on average equity		-123.92	%		10.50	%		-45.21	%		-181.36	%		-37.77	%
Net interest margin (FTE)		3.68	%		3.47	%		3.14	%		3.24	%		3.01	%
Efficiency ratio		79.80	%		78.13	%		84.55	%		147.28	%		83.53	%
ASSET QUALITY
Net charge-offs (YTD)	$	15,454		$	4,938		$	30,190		$	24,600		$	16,367
Nonperforming loans	$	113,676		$	114,027		$	108,761		$	104,891		$	104,324
Other real estate	$	23,976		$	24,467		$	23,435		$	15,472		$	17,434
Nonperforming loans to total loans		14.52	%		14.01	%		13.05	%		12.16	%		11.83	%
Nonperforming assets to total assets		14.75	%		14.27	%		13.40	%		11.55	%		12.30	%
Allowance for loan loss to total loans		4.03	%		3.72	%		4.22	%		3.29	%		2.54	%
CAPITAL & LIQUIDITY
Average equity to average assets		4.58	%		4.17	%		4.87	%		8.70	%		9.13	%
Tier 1 capital to risk weighted assets		4.63	%		6.25	%		6.10	%		6.40	%		7.32	%
Total capital to risk weighted assets		6.07	%		7.50	%		7.39	%		7.65	%		8.59	%
Loan to deposit ratio		94.61	%		95.53	%		95.99	%		95.33	%		108.44	%
Loan to funding ratio		87.84	%		88.88	%		89.41	%		88.13	%		99.40	%
END OF PERIOD BALANCES
Total portfolio loans	$	783,032		$	813,961		$	833,136		$	862,664		$	881,818
Earning assets	$	901,519		$	935,639		$	953,957		$	1,005,659		$	909,462
Total assets	$	933,113		$	970,699		$	986,486		$	1,042,337		$	989,800
Deposits	$	827,664		$	852,017		$	867,955		$	904,954		$	813,167
Total shareholders’equity	$	29,963		$	43,180		$	41,945		$	47,890		$	87,877
AVERAGE BALANCES
Total portfolio loans	$	801,464		$	826,188		$	851,447		$	875,545		$	897,978
Earning assets	$	926,477		$	941,959		$	1,013,062		$	958,383		$	1,004,914
Total assets	$	963,919		$	1,045,938		$	1,045,938		$	1,018,320		$	1,066,951
Deposits	$	844,001		$	854,071		$	912,691		$	841,447		$	898,387
Total shareholders’equity	$	44,114		$	43,567		$	50,956		$	88,565		$	97,454

7

DEARBORN BANCORP, INC. AND SUBSIDIARY
DEPOSIT INFORMATION

(In thousands)

	June 30
Category	2010		2009
Non-interest bearing
Demand	$	91,446	$	83,752
Interest bearing
Interest Checking	$	79,195	$	106,669
Money market		57,476		72,394
Savings		43,343		52,017
Time, under $100,000		287,761		221,980
Time, $100,000 and over		268,443		276,355
		736,218		729,415
	$	827,664	$	813,167

8

DEARBORN BANCORP, INC. AND SUBSIDIARY
ASSET QUALITY DATA

(Dollars, in thousands)	6/30/2010		3/31/2010		12/31/2009		9/30/2009		6/30/2009
Troubled debt restructuring	$	38,530	$	31,737	$	59,420	$	46,025	$	46,714
Loans over 90 days past due and still accruing		—		1,127		—		—		—
Non-accrual loans		75,146		81,163		49,341		58,866		57,610
Total non-performing loans		113,676		114,027		108,761		104,891		104,324
Other real estate and other repossessed assets		23,976		24,467		23,435		15,472		17,434
Total non-performing assets	$	137,652	$	138,494	$	132,196	$	120,363	$	121,758
Net charge-offs (year to date)	$	15,454	$	4,938	$	30,190	$	24,600	$	16,367
Allowance for loan losses		31,574		30,288		35,125		28,373		22,422

ASSET QUALITY RATIOS

	6/30/2010			3/31/2010			12/31/2009			9/30/2009			6/30/2009
Non-accrual loans to total loans		9.60	%		9.97	%		5.92	%		6.82	%		6.53	%
Non-performing loans to total loans		14.52	%		14.01	%		13.05	%		12.16	%		11.83	%
Non-performing assets to total assets		14.75	%		14.27	%		13.40	%		11.55	%		12.30	%
Loans over 90 days past due and still accruing to total loans		—	%		0.14	%		—	%		—	%		—	%
Net charge-offs to average loans		1.90	%		0.60	%		3.40	%		2.74	%		1.78	%
Allowance for loan losses to non-performing loans		27.78	%		26.56	%		32.30	%		27.05	%		21.49	%
Allowance for loan losses to non-performing assets		22.94	%		21.87	%		26.57	%		23.57	%		18.42	%
Allowance for loan losses to total loans		4.03	%		3.72	%		4.22	%		3.29	%		2.54	%

9

Dearborn Bancorp, Inc.
Loan Information at June 30, 2010

			Loan Detail										Other Related Data
			Accruing Loans										Allowance		Year to Date		Other Real
(In thousands)	6/30/10		Current		TDR		30 to 89 past due		90+ days past due		Non-Accrual		For Loan Losses		Net Charge-Offs		Estate Owned
Consumer Loans	$	28,017	$	26,782	$	0	$	184	$	0	$	1,051	$	1,176	$	386	$	114
Commercial Loans		134,199		108,465		6,916		4,684		0		14,134		5,037		2,664		2,012
Land Development — Residential		29,233		9,506		1,980		746		0		17,001		2,437		7,171		6,034
Land Development — Non Residential		9,427		8,108		0		0		0		1,319		1,815		300		1,786
Commercial Construction Loans — Residential		11,060		687		2,160		0		0		8,213		2,516		1,711		1,525
Commercial Construction Loans — Non Residential		17,935		14,402		3,200		0		0		333		4,413		36		2,869
Commercial Mortgage Loans		511,265		441,566		24,274		14,895		0		30,530		13,833		3,005		8,786
Residential Mortgage Loans		41,896		39,248		0		83		0		2,565		347		181		850
Totals	$	783,032	$	648,764	$	38,530	$	20,592	$	0	$	75,146	$	31,574	$	15,454	$	23,976

Loan Information at March 31, 2010

			Loan Detail										Other Related Data
			Accruing Loans										Allowance		Year to Date		Other Real
(In thousands)	3/31/10		Current		TDR		30 to 89 past due		90+ days past due		Non-Accrual		For Loan Losses		Net Charge-Offs		Estate Owned
Consumer Loans	$	28,623	$	27,578	$	0	$	121	$	0	$	924	$	1,041	$	319	$	127
Commercial Loans		141,338		113,803		7,412		7,374		0		12,749		3,663		1,506		2,441
Land Development — Residential		36,089		10,701		1,628		500		0		23,260		3,883		1,283		8,286
Land Development — Non Residential		9,711		7,026		0		0		1,127		1,558		1,055		229		1,802
Commercial Construction Loans — Residential		12,164		687		1,904		0		0		9,573		2,534		905		1,636
Commercial Construction Loans — Non Residential		20,813		17,943		0		0		0		2,870		4,246		36		0
Commercial Mortgage Loans		521,701		464,202		20,793		8,843		0		27,863		13,354		550		9,458
Residential Mortgage Loans		43,522		40,388		0		768		0		2,366		512		109		718
Totals	$	813,961	$	682,328	$	31,737	$	17,606	$	1,127	$	81,163	$	30,288	$	4,937	$	24,468

Loan Information at December 31, 2009

			Loan Detail										Other Related Data
			Accruing Loans										Allowance		Year to Date		Other Real
(In thousands)	12/31/09		Current		TDR		30 to 89 past due		90+ days past due		Non-Accrual		For Loan Losses		Net Charge-Offs		Estate Owned
Consumer Loans	$	29,386	$	27,877	$	0	$	270	$	0	$	1,239	$	819	$	978	$	127
Commercial Loans		144,630		113,361		20,162		2,019		0		9,088		6,498		4,539		2,456
Land Development — Residential		38,472		26,557		1,980		0		0		9,935		5,909		9,334		7,853
Land Development — Non Residential		11,644		8,346		306		0		0		2,992		807		4,364		384
Commercial Construction Loans — Residential		13,287		4,983		1,784		596		0		5,924		2,003		1,471		2,177
Commercial Construction Loans — Non Residential		20,061		16,502		0		0		0		3,559		3,450		1,981		0
Commercial Mortgage Loans		531,156		474,938		35,188		6,449		0		14,581		15,286		6,858		9,469
Residential Mortgage Loans		44,500		42,098		0		379		0		2,023		353		665		969
Totals	$	833,136	$	714,662	$	59,420	$	9,713	$	0	$	49,341	$	35,125	$	30,190	$	23,435

10

Loan Information at September 30, 2009

			Loan Detail										Other Related Data
			Accruing Loans										Allowance		Year to Date		Other Real
							30 to 89		90+ days				For Loan		Net		Estate
(In thousands)	9/30/09		Current		TDR		past due		past due		Non-Accrual		Losses		Charge-Offs		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
							30 to 89		90+ days				For Loan		Net		Estate
(In thousands)	6/30/09		Current		TDR		past due		past due		Non-Accrual		Losses		Charge-Offs		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

11