EX-99

Exhibit 99

DEARBORN BANCORP REPORTS SECOND QUARTER RESULTS

DEARBORN, Michigan, July 21, 2009 ... Dearborn Bancorp, Inc. (Nasdaq: DEAR), the Holding Company for Fidelity Bank, today reported a net loss of $9,075,000 or $(1.19) per fully diluted common share for the three months ended June 30, 2009. For the first half of 2009, the Company had a net loss of $15,324,000 or $(2.00) per share. In 2008, the Company recorded a net loss of $4,614,000 or $(0.57) per share in the second quarter and a net loss of $3,398,000 or $(0.49) per share in the first half.

At the end of June, the Company’s total assets were $989,800,000, representing a decline of 4.7 percent over the preceding 12 months. Total deposits went down 1.3 percent over the previous year and stood at $813,167,000 when the second quarter ended. Total loans were $881,818,000 on June 30, 2009, 6.6 percent less than they had been on the same date in 2008.

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, we recognized declines in the value of collateral securing previously classified loans of approximately $9.8 million. The balances of these loans were written down to reflect the present market value of the collateral. Our provision for loan losses was $13.6 million for the second quarter and our Allowance for Loan Losses now stands at $22.4 million or 2.54% of loans. The carrying value of other real estate owned was written down by $1.5 million and defaulted loan expense including taxes, insurance, maintenance and legal was $926,000 during the quarter. Additionally, we expensed $485,000 for the June 30, 2009 FDIC insurance special assessment.”

Dearborn Bancorp, Inc., is a registered bank holding company. Its sole banking subsidiary is Fidelity Bank. The Bank operates 18 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.

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


(Dollars, in thousands)	06/30/09			12/31/08			06/30/08
ASSETS
Cash and cash equivalents
Cash and due from banks	$	25,475		$	11,671		$	12,778
Federal funds sold		1,425			4,455			1,301
Interest bearing deposits with banks		18,454			36,876			147

Total cash and cash equivalents		45,354			53,002			14,226

Mortgage loans held for sale		60			1,834			755
Investment securities, available for sale		4,007			84,148			9,381
Federal Home Loan Bank stock		3,698			3,614			3,540
Loans
Loans		881,818			933,269			944,081
Allowance for loan loss		(22,422	)		(14,452	)		(16,638	)

Net loans		859,396			918,817			927,443

Premises and equipment, net		20,784			21,272			21,630
Real estate owned		17,434			9,657			5,411
Goodwill		0			0			34,028
Other intangible assets		4,195			4,592			10,487
Accrued interest receivable		3,512			3,499			3,757
Other assets		31,360			21,483			7,880


Total assets	$	989,800		$	1,121,918		$	1,038,538


LIABILITIES
Deposits
Non-interest bearing deposits	$	83,752		$	81,317		$	82,798
Interest bearing deposits		729,415			857,078			741,124

Total deposits		813,167			938,395			823,922

Other liabilities
Federal funds purchased		0			0			3,600
Securities sold under agreements to repurchase		2,206			2,461			171
Federal Home Loan Bank advances		73,955			65,019			65,401
Accrued interest payable		1,104			1,695			2,047
Other liabilities		1,491			1,037			1,026
Subordinated debentures		10,000			10,000			10,000

Total liabilities		901,923			1,018,607			906,167

STOCKHOLDERS’ EQUITY
Common stock — 20,000,000 shares authorized, 7,687,470 shares at 06/30/08, 7,696,204 shares at 12/31/08; and 8,055,698 shares at 06/30/08		131,866			131,784			133,048
Accumulated deficit		(43,998	)		(28,675	)		(688	)
Accumulated other comprehensive loss		9			202			11

Total stockholders’ equity		87,877			103,311			132,371


Total liabilities and stockholders’ equity	$	989,800		$	1,121,918		$	1,038,538

The accompanying notes are an integral part of these consolidated statements.

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


	Three Months Ended						Six Months Ended
(In thousands, except share and per share data)	06/30/09			06/30/08			06/30/09			06/30/08

Interest income
Interest on loans, including fees	$	13,286		$	14,994		$	27,096		$	31,168
Interest on securities, available for sale		178			109			434			218
Interest on federal funds		6			21			12			36
Interest on deposits with banks		103			1			197			2

Total interest income		13,573			15,125			27,739			31,424

Interest expense
Interest on deposits		5,458			5,874			11,456			12,902
Interest on other borrowings		473			812			1,019			1,805
Interest on subordinated debentures		105			155			210			380

Total interest expense		6,036			6,841			12,685			15,087

Net interest income		7,537			8,284			15,054			16,337
Provision for loan losses		13,610			8,746			24,337			9,632


Net interest income (loss) after provision for loan losses		(6,073	)		(462	)		(9,283	)		6,705


Non-interest income
Service charges on deposit accounts		375			363			730			743
Fees for other services to customers		37			27			62			66
Gain on the sale of loans		160			51			216			104
Write-down of real estate		(1,506	)		(100	)		(1,860	)		(300	)
Loss on the sale of real estate		(32	)		(469	)		(3	)		(704	)
Gain on the sale of securities		270			—			465			—
Write-down of other assets		—			—			(100	)		—
Other income		125			73			247			147

Total non-interest income (loss)		(571	)		(55	)		(243	)		56

Non-interest expenses
Salaries and employee benefits		3,208			3,284			6,498			6,493
Occupancy and equipment expense		916			950			1,850			1,863
Intangible expense		199			322			397			645
FDIC Assessment		833			174			1,181			348
Advertising and marketing		59			131			129			254
Stationery and supplies		109			171			220			304
Professional services		173			259			364			485
Data processing		238			232			466			457
Defaulted loan expense		926			511			1,687			946
Other operating expenses		442			394			822			871

Total non-interest expenses		7,103			6,428			13,614			12,666

Loss before income tax provision		(13,747	)		(6,945	)		(23,140	)		(5,905	)
Income tax provision		(4,672	)		(2,331	)		(7,816	)		(1,967	)


Net loss		($9,075	)		($4,614	)		($15,324	)		($3,938	)


Per share data:
Net loss — basic		($1.19	)		($0.57	)		($2.00	)		($0.49	)
Net loss — diluted		($1.19	)		($0.57	)		($2.00	)		($0.49	)

Weighted average number of shares outstanding — basic		7,644,207			8,051,037			7,644,198			8,095,379
Weighted average number of shares outstanding — diluted		7,644,207			8,051,037			7,644,198			8,095,379

The accompanying notes are an integral part of these consolidated statements.

DEARBORN BANCORP, INC. AND SUBSIDIARY
ASSET QUALITY DATA

(Dollars, in thousands)


	6/30/2009		3/31/2009		12/31/2008		9/30/2008		6/30/2008

Troubled debt restructuring	$	46,714	$	19,506	$	17,765	$	15,328	$	13,145
Loans over 90 days past due and still accruing		0		0		450		3,141		7,319
Non-accrual loans		57,610		55,148		51,708		51,342		36,195

Total non-performing loans		104,324		74,654		69,923		69,811		56,659
Other real estate and other repossessed assets		17,434		14,624		9,657		8,343		5,411

Total non-performing assets	$	121,758	$	89,278	$	79,580	$	78,154	$	62,070


Net charge-offs (Year to date)	$	16,367	$	6,547	$	10,771	$	3,910	$	3,611
Allowance for loan losses		22,422		18,632		14,452		16,429		16,638

ASSET QUALITY RATIOS


	6/30/2009			3/31/2009			12/31/2008			9/30/2008			6/30/2008

Non-accrual loans to total loans		6.53	%		6.13	%		5.54	%		5.47	%		3.83	%
Non-performing loans to total loans		11.83	%		8.29	%		7.49	%		7.43	%		6.00	%
Non-performing assets to total assets		12.30	%		8.31	%		7.09	%		7.25	%		5.98	%
Loans over 90 days past due and still accruing to total loans		0.00	%		0.00	%		0.05	%		0.33	%		0.78	%
Net charge-offs to average loans		1.80	%		0.71	%		1.14	%		0.41	%		0.38	%
Allowance for loan losses to non-performing loans		21.49	%		24.96	%		20.67	%		23.53	%		29.37	%
Allowance for loan losses to non-performing assets		18.42	%		20.87	%		18.16	%		21.02	%		26.81	%
Allowance for loan losses to total loans		2.54	%		2.07	%		1.55	%		1.75	%		1.76	%

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED FINANCIAL DATA

(Dollars in thousands, except share and per share data)


	Quarter ended
	6/30/2009			3/31/2009			12/31/2008			9/30/2008			6/30/2008

EARNINGS SUMMARY
Net interest income	$	7,537		$	7,517		$	7,544		$	8,250		$	8,284
Provision for loan loss	$	13,610		$	10,727		$	4,884		$	90		$	8,746
Total non-interest income		($571	)	$	328			($1,305	)	$	319			($55	)
Total non-interest expense	$	7,103		$	6,511		$	46,029		$	6,312		$	6,428
Income taxes (benefit)		($4,672	)		($3,144	)		($15,267	)	$	747			($2,331	)
Net income (loss)		($9,075	)		($6,249	)		($29,407	)	$	1,420			($4,614	)
Basic earnings per share		($1.19	)		($0.82	)		($3.77	)	$	0.18			($0.57	)
Diluted earnings per share		($1.19	)		($0.82	)		($3.77	)	$	0.18			($0.57	)

MARKET DATA
Book value per share	$	11.43		$	12.60		$	13.42		$	16.53		$	16.43
Tangible book value per share	$	10.59		$	12.26		$	11.16		$	11.07		$	11.04
Market value per share	$	1.80		$	1.82		$	1.66		$	4.99		$	4.86
Average basic common shares		7,644,207			7,644,188			7,796,354			8,044,180			8,051,037
Average diluted common shares		7,644,207			7,644,188			7,796,354			8,082,263			8,051,037
Period end common shares		7,687,470			7,696,204			7,696,204			8,098,557			8,055,698

PERFORMANCE RATIOS
Return on average assets		-3.41	%		-2.30	%		-10.72	%		0.54	%		-1.77	%
Return on average equity		-37.35	%		-24.30	%		-87.91	%		4.22	%		-13.45	%
Net interest margin (FTE)		3.01	%		2.93	%		2.96	%		3.41	%		3.45	%
Efficiency ratio		83.53	%		79.69	%		572.00	%		71.78	%		73.06	%

ASSET QUALITY
Net charge-offs (YTD)	$	16,367		$	6,547		$	10,771		$	3,910		$	3,611
Nonperforming loans	$	104,324		$	74,654		$	69,923		$	69,811		$	56,659
Other real estate	$	17,434		$	14,624		$	9,657		$	8,343		$	5,411
Nonperforming loans to total loans		11.83	%		8.29	%		7.49	%		7.43	%		6.00	%
Nonperforming assets to total assets		12.30	%		8.31	%		7.09	%		7.25	%		5.98	%
Allowance for loan loss to total loans		2.54	%		2.07	%		1.55	%		1.75	%		1.76	%

CAPITAL & LIQUIDITY
Average equity to average assets		9.13	%		9.49	%		12.20	%		12.85	%		13.16	%
Tier 1 capital to risk weighted assets		7.32	%		9.51	%		9.11	%		10.23	%		10.21	%
Total capital to risk weighted assets		8.59	%		10.76	%		10.37	%		11.48	%		11.46	%
Loan to deposit ratio		108.44	%		99.17	%		99.45	%		109.36	%		114.58	%
Loan to funding ratio		98.05	%		92.33	%		91.87	%		99.77	%		104.54	%

END OF PERIOD BALANCES
Total portfolio loans	$	881,818		$	900,055		$	933,269		$	939,109		$	944,081
Earning assets	$	909,462		$	1,012,149		$	1,064,196		$	992,951		$	959,205
Total assets	$	989,800		$	1,073,744		$	1,121,918		$	1,077,979		$	1,038,538
Deposits	$	813,167		$	907,579		$	938,395		$	858,751		$	823,922
Total shareholders’equity	$	87,877		$	96,964		$	103,311		$	133,840		$	132,371

AVERAGE BALANCES
Total portfolio loans	$	897,978		$	919,705		$	940,195		$	944,262		$	947,892
Earning assets	$	1,004,914		$	1,039,618		$	1,010,304		$	961,935		$	966,437
Total assets	$	1,066,951		$	1,099,573		$	1,091,120		$	1,042,152		$	1,048,423
Deposits	$	898,387		$	920,113		$	876,569		$	822,424		$	807,347
Total shareholders’equity	$	97,454		$	104,298		$	133,081		$	133,949		$	138,002

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED BALANCE SHEETS


	Quarter Ended
(Dollars, in thousands)	6/30/09			3/31/09			12/31/08			9/30/08			6/30/08
ASSETS
Cash and cash equivalents
Cash and due from banks	$	25,475		$	11,881		$	11,671		$	15,719		$	12,778
Federal funds sold		1,425			6,841			4,455			14,281			1,301
Interest bearing deposits with banks		18,454			53,262			36,876			33,146			147

Total cash and cash equivalents		45,354			71,984			53,002			63,146			14,226

Mortgage loans held for sale		60			3,009			1,834			281			755
Securities, available for sale		4,007			45,368			84,148			2,520			9,381
Federal Home Loan Bank stock		3,698			3,614			3,614			3,614			3,540
Loans
Loans		881,818			900,055			933,269			939,109			944,081
Allowance for loan loss		(22,422	)		(18,632	)		(14,452	)		(16,429	)		(16,638	)

Net loans		859,396			881,423			918,817			922,680			927,443

Bank premises and equipment, net		20,784			21,001			21,272			21,491			21,630
Other real estate		17,434			14,624			9,657			8,343			5,411
Goodwill		0			0			0			34,028			34,028
Other intangible assets		4,195			4,394			4,592			10,165			10,487
Accrued interest receivable		3,512			3,920			3,499			3,601			3,757
Other assets		31,360			24,407			21,483			8,110			7,880


Total assets	$	989,800		$	1,073,744		$	1,121,918		$	1,077,979		$	1,038,538


LIABILITIES
Deposits
Non-interest bearing deposits	$	83,752		$	80,624		$	81,317		$	83,555		$	82,798
Interest bearing deposits		729,415			826,955			857,078			775,196			741,124

Total deposits		813,167			907,579			938,395			858,751			823,922

Other liabilities
Federal funds purchased		0			0			0			0			3,600
Securities sold under agreements to repurchase		2,206			2,268			2,461			222			171
Federal Home Loan Bank advances		73,955			54,955			65,019			72,283			65,401
Other liabilities		1,104			606			1,037			1,735			1,026
Accrued interest payable		1,491			1,372			1,695			1,148			2,047
Subordinated debentures		10,000			10,000			10,000			10,000			10,000

Total liabilities		901,923			976,780			1,018,607			944,139			906,167


Total stockholders’ equity		87,877			96,964			103,311			133,840			132,371


Total liabilities and stockholders’ equity	$	989,800		$	1,073,744		$	1,121,918		$	1,077,979		$	1,038,538

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED INCOME STATEMENT


	Quarter ended
(Dollars, in thousands)	6/30/2009			3/31/2009			12/31/2008			9/30/2008			6/30/2008

INTEREST INCOME
Interest on loans, including fees	$	13,286		$	13,810		$	14,623		$	14,742		$	14,994
Interest on other earning assets		287			356			216			121			131

Total interest income		13,573			14,166			14,839			14,863			15,125

INTEREST EXPENSE
Interest on deposits		5,458			5,998			6,440			5,764			5,874
Interest on other liabilities		578			651			855			849			967

Total interest expense		6,036			6,649			7,295			6,613			6,841

Net interest income		7,537			7,517			7,544			8,250			8,284
Provision for loan loss		13,610			10,727			4,884			90			8,746


Net interest income (loss) after provision for loan loss		(6,073	)		(3,210	)		2,660			8,160			(462	)

NON-INTEREST INCOME
Deposit service charges		412			380			431			426			390
Gain on the sale of loans		160			56			0			61			51
Loss on the sale or write-down of real estate		(1,538	)		(325	)		(1,808	)		(225	)		(569	)
Other		395			217			72			57			73

Total non-interest income (loss)		(571	)		328			(1,305	)		319			(55	)

NON-INTEREST EXPENSE
Salaries and employee benefits		3,208			3,290			3,236			3,413			3,284
Occupancy and equipment expense		916			934			981			908			950
Impairment of goodwill and other intangible assets		0			0			39,601			0			0
Other expense		2,979			2,287			2,211			1,991			2,194

Total non-interest expense		7,103			6,511			46,029			6,312			6,428

Income (loss) before income tax provision		(13,747	)		(9,393	)		(44,674	)		2,167			(6,945	)
Income tax provision (benefit)		(4,672	)		(3,144	)		(15,267	)		747			(2,331	)


Net income (loss)		($9,075	)		($6,249	)		($29,407	)	$	1,420			($4,614	)

DEARBORN BANCORP, INC. AND SUBSIDIARY
NON-GAAP OPERATING EARNINGS INFORMATION


	Quarter Ended
(Dollars, in thousands except share and per share data)	6/30/2009			3/31/2009			12/31/2008			9/30/2008			6/30/2008

Income (loss) from continuing operations		($9,075	)		($6,249	)		($29,407	)	$	1,420			($4,614	)

Add: Non-recurring merger expenses		12			16			28			13			49
Tax effect		(4	)		(5	)		(10	)		(4	)		(17	)

After-tax non operating items		8			11			18			9			32

Core operating income (loss)		($9,067	)		($6,238	)		($29,389	)	$	1,429			($4,582	)


	Quarter Ended
	6/30/2009			3/31/2009			12/31/2008			9/30/2008			6/30/2008

Core operating income (loss)		($9,067	)		($6,238	)		($29,389	)	$	1,429			($4,582	)

Add: Amortization of intangible assets		199			198			0			323			322
Add: Impairment of goodwill and intangible assets		0			0			39,601			0			0
Tax effect		(68	)		(67	)		(13,464	)		(110	)		(109	)

After-tax non operating items		131			131			26,137			213			213

Cash operating income (loss)		($8,936	)		($6,108	)		($3,252	)	$	1,642			($4,369	)


	Quarter Ended
(Dollars, in thousands except share and per share data)	6/30/2009			6/30/2008

Income (loss) from continuing operations		($9,075	)		($4,614	)
After-tax non-recurring merger expenses		8			32

Core operating income (loss)		(9,067	)		(4,582	)
After tax amortization of intangible assets		131			213

Cash operating income (loss)		($8,936	)		($4,369	)


	Quarter Ended
Basic EPS	6/30/2009			6/30/2008

Income (loss) from continuing operations		($1.19	)		($0.57	)
After-tax non-recurring merger expenses	$	0.00		$	0.00

Core operating income (loss)		($1.19	)		($0.57	)
After tax amortization of intangible assets	$	0.02		$	0.03

Cash operating income (loss)		($1.17	)		($0.54	)


	Quarter Ended
Diluted EPS	6/30/2009			6/30/2008

Income (loss) from continuing operations		($1.19	)		($0.57	)
After-tax non-recurring merger expenses	$	0.00		$	0.00

Core operating income (loss)		($1.19	)		($0.57	)
After tax amortization of intangible assets	$	0.02		$	0.03

Cash operating income (loss)		($1.17	)		($0.54	)


Weighted average shares outstanding — basic		7,644,207			8,051,037
Weighted average shares outstanding — diluted		7,644,207			8,051,037

DEARBORN BANCORP, INC. AND SUBSIDIARY
TANGIBLE ASSETS & EQUITY


	Quarter Ended
(Dollars, in thousands)	6/30/2009		6/30/2008

Average GAAP equity	$	97,322	$	138,002


Goodwill		0		34,039
Other intangible assets		4,315		10,674
Deferred taxes		11,563		(1,099	)

		15,878		43,614


Average tangible equity	$	81,444	$	94,388


	Quarter Ended
	6/30/2009		6/30/2008

Average GAAP assets	$	1,066,951	$	1,048,423


Goodwill		0		34,039
Other intangible assets		4,315		10,674
Deferred taxes		11,563		(1,099	)

		15,878		43,614


Average tangible assets	$	1,051,073	$	1,004,809

DEARBORN BANCORP, INC. AND SUBSIDIARY
DEPOSIT INFORMATION


(In thousands)
	June 30
Category	2009		2008

Non-interest bearing
Demand	$	83,752	$	82,798


Interest bearing

Interest Checking	$	106,669	$	78,865
Money market		72,394		99,761
Savings		52,017		68,431
Time, under $100,000		221,980		187,628
Time, $100,000 and over		276,355		306,439

		729,415		741,124


	$	813,167	$	823,922

Dearborn Bancorp, Inc.
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

214

1,039

359

528

Commercial Loans

156,688

131,630

14,346

3,791

6,921

4,025

2,301

1,913

Land Development — Residential

48,454

31,199

1,309

240

15,706

6,114

5,280

4,103

Land Development — Non Residential

13,405

7,483

1,150

4,772

1,448

2,356

384

Commercial Construction Loans — Residential

13,125

7,846

103

5,077

2,345

1,176

2,495

Commercial Construction Loans — Non Residential

22,518

16,336

6,182

869

430

Commercial Mortgage Loans

549,275

486,038

30,960

15,969

16,308

6,623

3,682

7,789

Residential Mortgages Loans

48,083

46,258

220

1,605

639

614

732

Totals

881,818

755,807

46,714

21,687

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

208

1,128

314

113

Commercial Loans

161,138

143,349

9,490

2,630

5,669

2,712

1,003

2,499

Land Development — Residential

50,028

35,850

2,637

11,541

6,113

2,881

4,431

Land Development — Non Residential

15,914

8,873

7,041

4,203

197

282

Commercial Construction Loans — Residential

15,687

11,730

3,957

2,237

2,785

Commercial Construction Loans — Non Residential

25,716

18,997

6,719

1,494

176

Commercial Mortgage Loans

548,692

511,915

10,016

8,649

18,112

1,008

2,088

3,708

Residential Mortgages Loans

51,880

49,761

1,138

981

551

901

Totals

900,055

810,139

19,506

15,262

55,148

18,632

6,547

14,624

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

127

1,085

163

299

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

13,436

3,663

2,636

4,089

Land Development — Non Residential

16,094

12,026

4,068

1,922

282

Commercial Construction Loans — Residential

17,296

12,524

4,772

1,316

801

1,975

Commercial Construction Loans — Non Residential

25,322

23,706

1,616

1,149

131

Commercial Mortgage Loans

571,204

532,977

11,937

5,583

196

20,511

4,509

2,425

1,003

Residential Mortgages Loans

52,426

51,233

286

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

333

128

1,018

367

160

Commercial Loans

162,311

152,665

1,934

1,972

5,647

1,076

3,094

125

Land Development — Residential

56,878

42,352

4,381

820

9,325

4,072

229

4,425

Land Development — Non Residential

17,894

12,295

671

860

4,068

1,791

343

Commercial Construction Loans — Residential

20,573

12,909

1,168

6,496

3,069

729

Commercial Construction Loans — Non Residential

30,145

23,901

2,558

492

3,194

843

Commercial Mortgage Loans

565,365

533,592

4,616

3,494

2,810

20,853

4,672

185

2,049

Residential Mortgages Loans

53,471

52,172

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

Loan Information at June 30, 2008

Loan Detail

Other Related Data

Accruing Loans

Allowance

Year to Date

Other Real

(In thousands)

6/30/08

Current

TDR

30 to 89 past due

90+ days past due

Non-Accrual

For Loan Losses

Net Charge-Offs

Estate Owned

Consumer Loans

33,206

31,822

1,007

216

161

339

165

Commercial Loans

169,956

161,781

1,757

3,583

639

2,196

890

3,096

280

Land Development — Residential

60,170

47,449

2,606

693

9,422

5,021

1,133

Land Development — Non Residential

21,000

16,261

789

3,950

1,923

343

Commercial Construction Loans — Residential

20,605

13,725

1,080

606

5,098

2,780

1,227

Commercial Construction Loans — Non Residential

35,087

28,788

3,086

3,213

1,118

Commercial Mortgage Loans

549,145

523,047

4,616

5,748

5,021

10,713

4,049

186

2,180

Residential Mortgages Loans

54,466

51,408

1,472

144

1,442

518

106

178

Totals

943,635

874,281

13,145

12,695

7,319

36,195

16,638

3,611

5,411