Dearborn Bancorp (DEAR) 8-K Dearborn Bancorp Reports Fourth Quarter and Year End Results

Exhibit 99

DEARBORN BANCORP REPORTS FOURTH QUARTER
AND YEAR END RESULTS

     DEARBORN, Michigan, February 4, 2011 ... Dearborn Bancorp, Inc. (Nasdaq: DEAR), the Holding Company for Fidelity Bank (“Bank”), today reported a net loss of $2,379,000 or $(0.31) per fully diluted common share for the three months ended December 31, 2010 compared to a net loss of $5,806,000 or $(0.76) per share for the three months ended December 31, 2009. For the year ended December 31, 2010, the Company’s net loss was $14,249,000 or $(1.86) compared to a net loss of $61,175,000 or $(8.00) for the same period in 2009. The Company’s Shareholders’ Equity of $26,959,000 equates to a tangible book value of $3.51 per share compared to the market closing price of $1.65 on December 31, 2010. In accordance with regulatory capital guidelines, the Bank remains “undercapitalized” at December 31, 2010.

     Historically, in 2009, the Company recorded a $25,851,000 valuation allowance against its entire deferred tax asset, recorded a $5,451,000 tax refund from the expansion of a net operating loss carryback from two years to five years, and wrote-off its remaining $3,997,000 intangible assets related to acquisitions completed in 2004 and 2007. Additionally, in March 2010, the Company recorded an additional $10,000,000 in provision for 2009 based on information that became available that was indicative of credit quality issues as of December 31, 2009. Regardless of the adjustments, 2010 was a substantial improvement over 2009 in terms of net loss, operating expenses, and net interest margin.

     At December 31, 2010 the Company’s total assets were $915,684,000 compared to $986,486,000 at December 31, 2009. Total loans were intentionally reduced from $833,136,000 to $735,851,000. Total deposits declined from $867,955,000 to $812,101,000. Cash and cash equivalents increased from $77,497,000 to $93,775,000, and securities available for sale increased from $45,964,000 to $54,561,000. During 2010, the Company focused on strategically reducing loan balances to conserve capital while increasing the liquidity of the balance sheet.

     Michael J. Ross, President and Chief Executive Officer of both the Company and the Bank, announced the financial results and commented, “We continue to operate in a troubled condition; however, 2010 began to show some positive signs of improvement. Non-performing assets peaked in March of 2010 at $138,494,000 and have slowly declined each quarter thereafter to $136,592,000, but still remain at elevated levels at year end. Included in the year end non-performing assets was $48,527,000 in troubled debt restructured loans which were all current according to their restructured terms. Net charge-offs for 2010 were $23,132,000 compared to $30,190,000 for 2009, an improvement of 24%. Other real estate owned also dropped from $23,435,000 to $21,502,000, an 8% decline. During the fourth quarter of 2010, due to the efforts of our Special Assets team, we had significant sales of other real estate owned in the amount of $8,081,000. During the quarter we began to receive multiple bids on bank owned properties versus nominal bids on properties marketed a year ago. We anticipate improvement going forward, primarily as a result of fewer additions to non-performing assets as well as a higher level of sales of other real estate owned resulting from a marginally more active real estate market in Southeast Michigan.”

     Mr. Ross continued, “The core operations of the Company continue to produce income to offset the high cost of FDIC insurance premiums and the defaulted loan expense associated with resolving problem assets which were $4,125,000 and $4,372,000, respectively for 2010. The net interest margin grew to 3.93% for the quarter ended December 31, 2010 compared to 3.14% a year ago, primarily as a result of improved deposit pricing. Additionally, management continues to maintain tight control over operations and has reduced expenses in the areas of wages, occupancy, marketing, stationery and supplies, data processing as well as certain discretionary expenses during 2010.

     Ross concluded, “While we have shown some positive signs in 2010, the determining factor as to whether the Company can be solidly profitable in future quarters remains dependent upon the appraised value of collateral and level of charge-offs and write-downs. Thus, our primary concerns for 2011 are the recovery of 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

CONSOLIDATED BALANCE SHEETS (Unaudited)

	December 31,
(Dollars, in thousands)	2010			2009
ASSETS
Cash and cash equivalents
Cash and due from banks	$	6,645		$	7,803
Federal funds sold		55			156
Interest bearing deposits with banks		87,075			69,538
Total cash and cash equivalents		93,775			77,497
Mortgage loans held for sale		353			1,129
Securities available for sale		54,561			45,964
Securities held to maturity		250			336
Federal Home Loan Bank stock		3,605			3,698
Loans
Loans		735,851			833,136
Allowance for loan losses		(27,971	)		(35,125	)
Net loans		707,880			798,011
Premises and equipment, net		19,195			20,194
Real estate owned		21,502			23,435
Accrued interest receivable		3,286			3,562
Other assets		11,277			12,660
Total assets	$	915,684		$	986,486
LIABILITIES
Deposits
Non-interest bearing deposits	$	88,266		$	83,873
Interest bearing deposits		723,835			784,082
Total deposits		812,101			867,955
Other liabilities
Federal Home Loan Bank advances		63,716			63,855
Accrued interest payable		1,056			1,046
Other liabilities		1,852			1,685
Subordinated debentures		10,000			10,000
Total liabilities		888,725			944,541
STOCKHOLDERS’ EQUITY
Common stock — no par value 100,000,000 shares authorized, 7,685,705 and 7,687,470 shares outstanding in 2010 and 2009, respectively		132,082			131,929
Retained earnings		(104,098	)		(89,850	)
Accumulated other comprehensive income (loss)		(1,025	)		(134	)
Total stockholders’ equity		26,959			41,945
Total liabilities and stockholders’ equity	$	915,684		$	986,486

3

DEARBORN BANCORP, INC. AND SUBSIDIARY

CONSOLIDATED STATEMENTS OF INCOME (Unaudited)

	Three Months Ended December 31,						Twelve Months Ended December 31,
(In thousands, except share data)	2010			2009			2010			2009
Interest income
Interest on loans	$	11,026		$	13,042		$	45,668		$	53,273
Interest on securities, available for sale		366			122			967			589
Interest on deposits with banks		121			101			337			374
Interest on federal funds		0			3			1			17
Total interest income		11,513			13,268			46,973			54,253
Interest expense
Interest on deposits		2,381			4,731			11,427			20,993
Interest on other liabilities		314			531			1,467			2,374
Total interest expense		2,695			5,262			12,894			23,367
Net interest income		8,818			8,006			34,079			30,886
Provision for loan losses		3,575			12,341			15,978			50,863
Net interest income (loss) after provision for loan losses		5,243			(4,335	)		18,101			(19,977	)
Non-interest income
Service charges on deposit accounts		359			381			1,448			1,499
Fees for other services to customers		29			31			149			126
Gain on the sale of loans		101			99			279			352
Gain (loss) on the sale of securities		0			(1	)		539			490
Other than temporary impairment on securities, held to maturity
Portion of loss recognized in other comprehensive income before taxes
Net impairment losses recognized in earnings		0			0			0			(414	)
Gain (loss) on the sale of real estate owned		(470	)		18			(476	)		(139	)
Loss on the write-down of real estate owned		(1,029	)		(267	)		(6,338	)		(2,766	)
Other income		122			113			393			383
Total non-interest income		(888	)		374			(4,006	)		(469	)
Non-interest expense
Salaries and employee benefits		3,189			3,317			12,436			12,974
Occupancy and equipment expense		767			870			3,255			3,623
Amortization of intangible expense		0			0			0			595
Impairment of other intangible assets		0			0			0			3,997
FDIC assessment		975			990			4,125			2,843
Advertising and marketing		44			60			146			237
Stationery and supplies		63			89			292			429
Professional services		210			209			1,172			807
Data processing		182			220			722			905
Defaulted loan expense		1,099			1,110			4,372			4,624
Other operating expenses		493			431			2,012			1,686
Total non-interest expense		7,022			7,296			28,532			32,720
Income before federal income tax expense		(2,667	)		(11,257	)		(14,437	)		(53,166	)
Income tax expense (benefit)		(288	)		(5,451	)		(188	)		8,009
Net loss		($2,379	)		($5,806	)		($14,249	)		($61,175	)
Per share data:
Net loss — basic		($0.31	)		($0.76	)		($1.86	)		($8.00	)
Net loss — diluted		($0.31	)		($0.76	)		($1.86	)		($8.00	)
Weighted average number of shares outstanding — basic		7,645,940			7,645,940			7,645,940			7,645,076
Weighted average number of shares outstanding — diluted		7,645,940			7,645,940			7,645,940			7,645,076

4

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED BALANCE SHEETS

	Quarter Ended
(Dollars, in thousands)	12/31/10			9/30/10			6/30/10			3/31/10			12/31/09
ASSETS
Cash and cash equivalents
Cash and due from banks	$	6,645		$	7,136		$	7,088		$	8,047		$	7,803
Federal funds sold		55			56			57			57			156
Interest bearing deposits with banks		87,075			70,216			67,056			70,898			69,538
Total cash and cash equivalents		93,775			77,408			74,201			79,002			77,497
Mortgage loans held for sale		353			572			1,169			758			1,129
Securities		54,811			46,622			46,507			46,267			46,300
Federal Home Loan Bank stock		3,605			3,698			3,698			3,698			3,698
Loans
Loans		735,851			760,683			783,032			813,961			833,136
Allowance for loan loss		(27,971	)		(29,831	)		(31,574	)		(30,288	)		(35,125	)
Net loans		707,880			730,852			751,458			783,673			798,011
Bank premises and equipment, net		19,195			19,415			19,724			19,973			20,194
Other real estate		21,502			25,043			23,976			24,467			23,435
Other intangible assets		—			—			—			—			—
Accrued interest receivable		3,286			3,301			3,181			3,595			3,562
Other assets		11,277			9,820			9,199			9,266			12,660
Total assets	$	915,684		$	916,731		$	933,113		$	970,699		$	986,486
LIABILITIES
Deposits
Non-interest bearing deposits	$	88,266		$	87,205		$	91,447		$	86,407		$	83,873
Interest bearing deposits		723,835			722,213			736,217			765,610			784,082
Total deposits		812,101			809,418			827,664			852,017			867,955
Other liabilities
Federal Home Loan Bank advances		63,716			63,716			63,799			63,799			63,855
Other liabilities		1,692			972			942			956			1,685
Accrued interest payable		1,216			2,471			745			747			1,046
Subordinated debentures		10,000			10,000			10,000			10,000			10,000
Total liabilities		888,725			886,577			903,150			927,519			944,541
Total stockholders’ equity		26,959			30,154			29,963			43,180			41,945
Total liabilities and stockholders’ equity	$	915,684		$	916,731		$	933,113		$	970,699		$	986,486

5

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENT OF OPERATIONS

	Quarter ended
(Dollars, in thousands)	12/31/2010			9/30/2010			6/30/2010			3/31/2010			12/31/2009
INTEREST INCOME
Interest on loans, including fees	$	11,026		$	11,328		$	11,536		$	11,778		$	13,042
Interest on other earning assets		487			391			221			206			226
Total interest income		11,513			11,719			11,757			11,984			13,268
INTEREST EXPENSE
Interest on deposits		2,381			2,578			2,925			3,543			4,731
Interest on other liabilities		314			391			376			386			531
Total interest expense		2,695			2,969			3,301			3,929			5,262
Net interest income		8,818			8,750			8,456			8,055			8,006
Provision for loan loss		3,575			500			11,803			100			12,341
Net interest income (loss) after provision for loan loss		5,243			8,250			(3,347	)		7,955			(4,335	)
NON-INTEREST INCOME
Deposit service charges		388			401			429			379			412
Gain on the sale of loans		101			54			66			58			99
Loss on the sale or write-down of real estate		(1,499	)		(998	)		(3,650	)		(667	)		(249	)
Other		122			561			78			171			112
Total non-interest income (loss)		(888	)		18			(3,077	)		(59	)		374
NON-INTEREST EXPENSE
Salaries and employee benefits		3,189			3,050			3,078			3,119			3,317
Occupancy and equipment expense		767			857			777			854			870
Impairment of goodwill and other intangible assets		—			—			—			—			—
Other expense		3,066			3,630			3,350			2,795			3,109
Total non-interest expense		7,022			7,537			7,205			6,768			7,296
Income (loss) before income tax provision		(2,667	)		731			(13,629	)		1,128			(11,257	)
Income tax provision (benefit)		(288	)		100			0			0			(5,451	)
Net income (loss)		($2,379	)	$	631			($13,629	)	$	1,128			($5,806	)

6

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED FINANCIAL DATA

	Quarter ended
(Dollars in thousands, except share and per share data)	12/31/2010			9/30/2010			6/30/2010			3/31/2010			12/31/2009
EARNINGS SUMMARY
Net interest income	$	8,818		$	8,750		$	8,456		$	8,055		$	8,006
Provision for loan loss	$	3,575		$	500		$	11,803		$	100		$	12,341
Total non-interest income		($888	)	$	18			($3,077	)		($59	)	$	374
Total non-interest expense	$	7,022		$	7,537		$	7,205		$	6,768		$	7,296
Income taxes (benefit)		($288	)	$	100		$	0		$	0			($5,451	)
Net income (loss)		($2,379	)	$	631			($13,629	)	$	1,128			($5,806	)
Basic earnings per share		($0.31	)	$	0.08			($1.78	)	$	0.15			($0.76	)
Diluted earnings per share		($0.31	)	$	0.08			($1.78	)	$	0.15			($0.76	)
MARKET DATA
Book value per share	$	3.51		$	3.92		$	3.90		$	5.62		$	5.46
Tangible book value per share	$	3.51		$	3.92		$	3.90		$	5.62		$	5.46
Market value per share	$	1.65		$	1.79		$	1.87		$	1.11		$	0.46
Average basic common shares		7,645,940			7,645,940			7,645,940			7,645,940			7,645,940
Average diluted common shares		7,645,940			7,645,940			7,645,940			7,645,940			7,645,940
Period end common shares		7,685,705			7,685,705			7,685,705			7,687,470			7,687,470
PERFORMANCE RATIOS
Return on average assets		-1.02	%		0.27	%		-5.67	%		0.44	%		-2.20	%
Return on average equity		-29.72	%		7.92	%		-123.92	%		10.50	%		-45.21	%
Net interest margin (FTE)		3.93	%		3.89	%		3.68	%		3.47	%		3.14	%
Efficiency ratio		74.47	%		77.18	%		79.80	%		78.13	%		84.55	%
ASSET QUALITY
Net charge-offs (YTD)	$	23,132		$	17,697		$	15,454		$	4,937		$	30,190
Nonperforming loans	$	115,090		$	112,000		$	113,676		$	114,027		$	108,761
Other real estate	$	21,502		$	25,043		$	23,976		$	24,467		$	23,435
Nonperforming loans to total loans		15.64	%		14.72	%		14.52	%		14.01	%		13.05	%
Nonperforming assets to total assets		14.92	%		14.95	%		14.75	%		14.27	%		13.40	%
Allowance for loan loss to total loans		3.80	%		3.92	%		4.03	%		3.72	%		4.22	%
CAPITAL & LIQUIDITY
Average equity to average assets		3.42	%		3.41	%		4.58	%		4.17	%		4.87	%
Tier 1 capital to risk weighted assets		4.91	%		4.96	%		4.63	%		6.25	%		6.10	%
Total capital to risk weighted assets		6.19	%		6.24	%		6.07	%		7.50	%		7.39	%
Loan to deposit ratio		90.61	%		93.98	%		94.61	%		95.53	%		95.99	%
Loan to funding ratio		84.02	%		87.12	%		87.84	%		88.88	%		89.41	%
END OF PERIOD BALANCES
Total portfolio loans	$	735,851		$	760,683		$	783,032		$	813,961		$	833,136
Earning assets	$	881,750		$	881,847		$	901,519		$	935,639		$	953,957
Total assets	$	915,684		$	916,731		$	933,113		$	970,699		$	986,486
Deposits	$	812,101		$	809,418		$	827,664		$	852,017		$	867,955
Total shareholders’equity	$	26,959		$	30,154		$	29,963		$	43,180		$	41,945
AVERAGE BALANCES
Total portfolio loans	$	750,443		$	772,662		$	801,464		$	826,188		$	851,447
Earning assets	$	893,065		$	892,406		$	926,477		$	941,959		$	1,013,062
Total assets	$	928,838		$	926,017		$	963,919		$	1,045,938		$	1,045,938
Deposits	$	820,714		$	818,691		$	844,001		$	854,071		$	912,691
Total shareholders’equity	$	31,761		$	31,593		$	44,114		$	43,567		$	50,956

7

DEARBORN BANCORP, INC. AND SUBSIDIARY
DEPOSIT INFORMATION

(In thousands)	December 31
Category	2010		2009
Non-interest bearing
Demand	$	88,267	$	83,873
Interest bearing
Interest Checking	$	73,107	$	83,087
Money market		53,499		52,412
Savings		41,214		43,343
Time, under $100,000		291,478		301,829
Time, $100,000 and over		264,536		303,411
		723,834		784,082
	$	812,101	$	867,955

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DEARBORN BANCORP, INC. AND SUBSIDIARY
ASSET QUALITY DATA

(Dollars, in thousands)	12/31/2010		9/30/2010		6/30/2010		3/31/2010		12/31/2009
Troubled debt restructuring	$	48,527	$	39,714	$	38,530	$	31,737	$	59,420
Loans over 90 days past due and still accruing		—		—		—		1,127		—
Non-accrual loans		66,563		72,286		75,146		81,163		49,341
Total non-performing loans		115,090		112,000		113,676		114,027		108,761
Other real estate and other repossessed assets		21,502		25,043		23,976		24,467		23,435
Total non-performing assets	$	136,592	$	137,043	$	137,652	$	138,494	$	132,196
Net charge-offs (year to date)	$	23,132	$	17,697	$	15,454	$	4,937	$	30,190
Allowance for loan losses		27,971		29,831		31,574		30,288		35,125

ASSET QUALITY RATIOS

	12/31/2010			9/30/2010			6/30/2010			3/31/2010			12/31/2009
Non-accrual loans to total loans		9.05	%		9.50	%		9.60	%		9.97	%		5.92	%
Non-performing loans to total loans		15.64	%		14.72	%		14.52	%		14.01	%		13.05	%
Non-performing assets to total assets		14.92	%		14.95	%		14.75	%		14.27	%		13.40	%
Loans over 90 days past due and still accruing to total loans		—	%		—	%		—	%		0.14	%		—	%
Net charge-offs to average loans		2.94	%		2.21	%		1.90	%		0.60	%		3.40	%
Allowance for loan losses to non-performing loans		24.30	%		26.63	%		27.78	%		26.56	%		32.30	%
Allowance for loan losses to non-performing assets		20.48	%		21.77	%		22.94	%		21.87	%		26.57	%
Allowance for loan losses to total loans		3.80	%		3.92	%		4.03	%		3.72	%		4.22	%

9

Dearborn Bancorp, Inc.
Loan Information at December 31, 2010

			Loan Detail										Other Related Data
			Accruing Loans										Allowance		Year to Date		Other Real
(In thousands)	12/31/10		Current		TDR		30 to 89 past due		90+ days past due		Non-Accrual		For Loan Losses		Net Charge-Offs		Estate Owned
Consumer Loans	$	25,871	$	24,123	$	0	$	215	$	0	$	1,533	$	1,115	$	816	$	114
Commercial Loans		121,015		100,252		5,600		1,475		0		13,688		6,571		6,055		3,125
Land Development — Residential		21,975		7,995		2,076		0		0		11,904		1,757		10,003		6,829
Land Development — Non Residential		9,970		4,236		0		4,000		0		1,734		972		300		1,786
Commercial Construction Loans — Residential		10,613		388		2,462		0		0		7,763		2,467		1,886		1,405
Commercial Construction Loans — Non Residential		12,568		706		11,545		0		0		317		2,674		36		1,314
Commercial Mortgage Loans		495,501		427,587		26,844		12,612		0		28,458		12,102		3,833		6,383
Residential Mortgage Loans		38,338		37,172		0		0		0		1,166		313		203		546
Totals	$	735,851	$	602,459	$	48,527	$	18,302	$	0	$	66,563	$	27,971	$	23,132	$	21,502

Loan Information at September 30, 2010

			Loan Detail										Other Related Data
			Accruing Loans										Allowance		Year to Date		Other Real
(In thousands)	9/30/10		Current		TDR		30 to 89 past due		90+ days past due		Non-Accrual		For Loan Losses		Net Charge-Offs		Estate Owned
Consumer Loans	$	27,391	$	25,476	$	0	$	1,015	$	0	$	900	$	586	$	588	$	114
Commercial Loans		126,573		104,470		5,780		2,728		0		13,595		7,937		3,643		2,695
Land Development — Residential		26,668		9,091		1,980		0		0		15,597		3,668		7,496		6,917
Land Development — Non Residential		9,374		8,056		0		0		0		1,318		863		300		1,786
Commercial Construction Loans — Residential		11,407		336		2,450		0		0		8,621		2,691		1,739		1,290
Commercial Construction Loans — Non Residential		17,370		14,170		3,200		0		0		0		1,985		36		1,948
Commercial Mortgage Loans		501,059		433,191		26,304		11,936		0		29,628		11,806		3,736		9,677
Residential Mortgage Loans		40,841		37,878		0		336		0		2,627		295		159		616
Totals	$	760,683	$	632,668	$	39,714	$	16,015	$	0	$	72,286	$	29,831	$	17,697	$	25,043

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

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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

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