Exhibit 99

DEARBORN BANCORP REVISES FOURTH QUARTER RESULTS

     DEARBORN, Michigan, March 22, 2010 ... Dearborn Bancorp, Inc. (Nasdaq: DEAR), the Holding Company for Fidelity Bank (the “Bank”), today announces that it has revised its previously announced 2009 fourth quarter results due to an additional $10.0 million provision for loan losses.

     Due to continuous and ongoing diligent loan review, the allowance for loan losses and provision for loan losses have been increased by $10 million from amounts previously reported on its press release dated January 19, 2010. During the period between January 19, 2010 and March 22, 2010, the Bank received updated financial statements and collateral evaluations on several of its problem loan customers requiring the further down-grading of credits, the application of higher historical loss factors and larger valuation allowances for the Bank’s calculation of its Allowance for Loan Losses as of December 31, 2009.

     As a result of the additional provision, the Company revised earnings to a net loss for the fourth quarter of 2009 to $5.8 million, or $(0.76) per fully diluted common share, compared to earnings of $4.2 million, or $0.55 per share as previously reported. For the year ended December 31, 2009, the net loss was increased to $61.2 million, or $(8.00) per share, compared to a net loss of $51.2 million, or $(6.69) per share as previously reported.

     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.

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

	December 31,
(Dollars, in thousands)	2009			2008
ASSETS
Cash and cash equivalents
Cash and due from banks	$	7,803		$	11,671
Federal funds sold		156			4,455
Interest bearing deposits with banks		69,538			36,876
Total cash and cash equivalents		77,497			53,002
Mortgage loans held for sale		1,129			1,834
Securities available for sale		45,964			84,148
Securities held to maturity		336			0
Federal Home Loan Bank stock		3,698			3,614
Loans
Loans		833,136			933,269
Allowance for loan losses		(35,125	)		(14,452	)
Net loans		798,011			918,817
Premises and equipment, net		20,194			21,272
Real estate owned		23,435			9,657
Other intangible assets		—			4,592
Accrued interest receivable		3,562			3,499
Other assets		12,660			21,483
Total assets	$	986,486		$	1,121,918
LIABILITIES
Deposits
Non-interest bearing deposits	$	83,873		$	81,317
Interest bearing deposits		784,082			857,078
Total deposits		867,955			938,395
Other liabilities
Securities sold under agreements to repurchase		—			2,461
Federal Home Loan Bank advances		63,855			65,019
Accrued interest payable		1,046			1,695
Other liabilities		1,685			1,037
Subordinated debentures		10,000			10,000
Total liabilities		944,541			1,018,607
STOCKHOLDERS’ EQUITY
Common stock — no par value 20,000,000 shares authorized, 7,687,470 and 7,696,204 shares outstanding in 2009 and 2008, respectively		131,929			131,784
Retained earnings		(89,850	)		(28,675	)
Accumulated other comprehensive income (loss)		(134	)		202
Total stockholders’ equity		41,945			103,311
Total liabilities and stockholders’ equity	$	986,486		$	1,121,918

2

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

	Three Months Ended						Twelve Months Ended
(In thousands, except share and per share data)	12/31/09			12/31/08			12/31/09			12/31/08
Interest income
Interest on loans, including fees	$	13,042		$	14,623		$	53,273		$	60,533
Interest on securities, available for sale		122			149			589			464
Interest on federal funds		3			27			17			43
Interest on deposits with banks		101			40			374			86
Total interest income		13,268			14,839			54,253			61,126
Interest expense
Interest on deposits		4,731			6,440			20,993			25,106
Interest on other borrowings		440			635			1,963			3,149
Interest on subordinated debentures		91			220			411			740
Total interest expense		5,262			7,295			23,367			28,995
Net interest income		8,006			7,544			30,886			32,131
Provision for loan losses		12,341			4,884			50,863			14,606
Net interest income (loss) after provision for loan losses		(4,335	)		2,660			(19,977	)		17,525
Non-interest income
Service charges on deposit accounts		381			392			1,499			1,538
Fees for other services to customers		31			39			126			128
Gain on the sale of loans		99			0			352			165
Write-down of real estate		(267	)		(1,783	)		(2,766	)		(2,292	)
Gain (loss) on the sale of real estate		18			(25	)		(139	)		(745	)
Gain (loss) on the sale of securities		25			8			490			17
Write-down of securities		(26	)		—			(413	)		—
Write-down of other assets		—			—			(100	)		—
Other income		113			64			482			259
Total non-interest income		374			(1,305	)		(469	)		(930	)
Non-interest expenses
Salaries and employee benefits		3,317			3,236			12,974			13,142
Occupancy and equipment expense		870			981			3,623			3,752
Intangible expense		0			39,601			4,592			40,569
FDIC Assessment		990			174			2,843			696
Advertising and marketing		60			158			237			550
Stationery and supplies		89			185			429			592
Professional services		209			337			807			1,063
Data processing		220			246			905			848
Defaulted loan expense		1,110			649			4,624			2,078
Other operating expenses		431			462			1,686			1,717
Total non-interest expenses		7,296			46,029			32,720			65,007
Loss before income tax provision		(11,257	)		(44,674	)		(53,166	)		(48,412	)
Income tax expense (benefit)		(5,451	)		(15,267	)		8,009			(16,487	)
Net loss		($5,806	)		($29,407	)		($61,175	)		($31,925	)
Per share data:
Net loss — basic		($0.76	)		($3.77	)		($8.00	)		($3.99	)
Net loss — diluted		($0.76	)		($3.77	)		($8.00	)		($3.99	)
Weighted average number of shares outstanding — basic		7,645,940			7,796,354			7,645,076			8,007,345
Weighted average number of shares outstanding — diluted		7,645,940			7,796,354			7,645,076			8,007,345

3

DEARBORN BANCORP, INC. AND SUBSIDIARY
ASSET QUALITY DATA

(Dollars, in thousands)	12/31/2009		9/30/2009		6/30/2009		3/31/2009		12/31/2008
Troubled debt restructuring	$	59,420	$	45,634	$	46,714	$	19,506	$	17,765
Loans over 90 days past due and still accruing		—		—		—		—		450
Non-accrual loans		49,341		58,866		57,610		55,148		51,708
Total non-performing loans		108,761		104,500		104,324		74,654		69,923
Other real estate and other repossessed assets		23,435		15,472		17,434		14,624		9,657
Total non-performing assets	$	132,196	$	119,972	$	121,758	$	89,278	$	79,580
Net charge-offs (year to date)	$	30,190	$	24,600	$	16,367	$	6,547	$	10,771
Allowance for loan losses		35,125		28,373		22,422		18,632		14,452

ASSET QUALITY RATIOS

	12/31/2009			9/30/2009			6/30/2009			3/31/2009			12/31/2008
Non-accrual loans to total loans		5.92	%		6.82	%		6.53	%		6.13	%		5.54	%
Non-performing loans to total loans		13.05	%		12.11	%		11.83	%		8.29	%		7.49	%
Non-performing assets to total assets		13.27	%		11.51	%		12.30	%		8.31	%		7.09	%
Loans over 90 days past due and still accruing to total loans		—	%		—	%		—	%		—	%		0.05	%
Net charge-offs to average loans		3.55	%		2.74	%		1.80	%		0.71	%		1.14	%
Allowance for loan losses to non-performing loans		32.30	%		27.15	%		21.49	%		24.96	%		20.67	%
Allowance for loan losses to non-performing assets		26.57	%		23.65	%		18.42	%		20.87	%		18.16	%
Allowance for loan losses to total loans		4.22	%		3.29	%		2.54	%		2.07	%		1.55	%

4

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED BALANCE SHEETS

	Quarter Ended
(Dollars, in thousands)	12/31/09			9/30/09			6/30/09			3/31/09			12/31/08
ASSETS
Cash and cash equivalents
Cash and due from banks	$	7,803		$	17,330		$	25,475		$	11,881		$	11,671
Federal funds sold		156			6,206			1,425			6,841			4,455
Interest bearing deposits with banks		69,538			117,732			18,454			53,262			36,876
Total cash and cash equivalents		77,497			141,268			45,354			71,984			53,002
Mortgage loans held for sale		1,129			1,449			60			3,009			1,834
Securities		46,300			13,910			4,007			45,368			84,148
Federal Home Loan Bank stock		3,698			3,698			3,698			3,614			3,614
Loans
Loans		833,136			862,664			881,818			900,055			933,269
Allowance for loan loss		(35,125	)		(28,373	)		(22,422	)		(18,632	)		(14,452	)
Net loans		798,011			834,291			859,396			881,423			918,817
Bank premises and equipment, net		20,194			20,477			20,784			21,001			21,272
Other real estate		23,435			15,472			17,434			14,624			9,657
Goodwill		—			—			—			—			—
Other intangible assets		—			—			4,195			4,394			4,592
Accrued interest receivable		3,562			3,619			3,512			3,920			3,499
Other assets		12,660			8,153			31,360			24,407			21,483
Total assets	$	986,486		$	1,042,337		$	989,800		$	1,073,744		$	1,121,918
LIABILITIES
Deposits
Non-interest bearing deposits	$	83,873		$	89,329		$	83,752		$	80,624		$	81,317
Interest bearing deposits		784,082			815,625			729,415			826,955			857,078
Total deposits		867,955			904,954			813,167			907,579			938,395
Other liabilities
Federal funds purchased		—			—			—			—			—
Securities sold under agreements to repurchase		0			2,302			2,206			2,268			2,461
Federal Home Loan Bank advances		63,855			73,855			73,955			54,955			65,019
Other liabilities		1,685			2,380			1,104			606			1,037
Accrued interest payable		1,046			956			1,491			1,372			1,695
Subordinated debentures		10,000			10,000			10,000			10,000			10,000
Total liabilities		944,541			994,447			901,923			976,780			1,018,607
Total stockholders’ equity		41,945			47,890			87,877			96,964			103,311
Total liabilities and stockholders’ equity	$	986,486		$	1,042,337		$	989,800		$	1,073,744		$	1,121,918

5

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED INCOME STATEMENT

							Quarter ended
(Dollars, in thousands)	12/31/2009			9/30/2009			6/30/2009			3/31/2009			12/31/2008
INTEREST INCOME
Interest on loans, including fees	$	13,042		$	13,135		$	13,286		$	13,810		$	14,623
Interest on other earning assets		226			111			287			356			216
Total interest income		13,268			13,246			13,573			14,166			14,839
INTEREST EXPENSE
Interest on deposits		4,731			4,806			5,458			5,998			6,440
Interest on other liabilities		531			614			578			651			855
Total interest expense		5,262			5,420			6,036			6,649			7,295
Net interest income		8,006			7,826			7,537			7,517			7,544
Provision for loan loss		12,341			14,185			13,610			10,727			4,884
Net interest income (loss) after provision for loan loss		(4,335	)		(6,359	)		(6,073	)		(3,210	)		2,660
NON-INTEREST INCOME
Deposit service charges		412			421			412			380			431
Gain on the sale of loans		99			37			160			56			—
Loss on the sale or write-down of real estate		(249	)		(793	)		(1,538	)		(325	)		(1,808	)
Other		112			(265	)		395			217			72
Total non-interest income (loss)		374			(600	)		(571	)		328			(1,305	)
NON-INTEREST EXPENSE
Salaries and employee benefits		3,317			3,159			3,208			3,290			3,236
Occupancy and equipment expense		870			903			916			934			981
Impairment of goodwill and other intangible assets		—			3,997			—			—			39,601
Other expense		3,109			3,751			2,979			2,287			2,211
Total non-interest expense		7,296			11,810			7,103			6,511			46,029
Income (loss) before income tax provision		(11,257	)		(18,769	)		(13,747	)		(9,393	)		(44,674	)
Income tax provision (benefit)		(5,451	)		21,276			(4,672	)		(3,144	)		(15,267	)
Net income (loss)		($5,806	)		($40,045	)		($9,075	)		($6,249	)		($29,407	)

6

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED FINANCIAL DATA

	Quarter ended
(Dollars in thousands, except share and per share data)	12/31/2009			9/30/2009			6/30/2009			3/31/2009			12/31/2008
EARNINGS SUMMARY
Net interest income	$	8,006		$	7,826		$	7,537		$	7,517		$	7,544
Provision for loan loss	$	12,341		$	14,185		$	13,610		$	10,727		$	4,884
Total non-interest income	$	374			($600	)		($571	)	$	328			($1,305	)
Total non-interest expense	$	7,296		$	11,810		$	7,103		$	6,511		$	46,029
Income taxes (benefit)		($5,451	)	$	21,276			($4,672	)		($3,144	)		($15,267	)
Net income (loss)		($5,806	)		($40,045	)		($9,075	)		($6,249	)		($29,407	)
Basic earnings per share		($0.76	)		($5.24	)		($1.19	)		($0.82	)		($3.77	)
Diluted earnings per share		($0.76	)		($5.24	)		($1.19	)		($0.82	)		($3.77	)
MARKET DATA
Book value per share	$	5.46		$	6.23		$	11.43		$	12.60		$	13.42
Tangible book value per share	$	5.46		$	6.23		$	10.59		$	12.26		$	11.16
Market value per share	$	0.46		$	1.21		$	1.80		$	1.82		$	1.66
Average basic common shares		7,645,940			7,645,940			7,644,207			7,644,188			7,796,354
Average diluted common shares		7,645,940			7,645,940			7,644,207			7,644,188			7,796,354
Period end common shares		7,687,470			7,687,470			7,687,470			7,696,204			7,696,204
PERFORMANCE RATIOS
Return on average assets		-2.20	%		-15.60	%		-3.41	%		-2.30	%		-10.72	%
Return on average equity		-45.21	%		-179.39	%		-37.35	%		-24.30	%		-87.91	%
Net interest margin (FTE)		3.14	%		3.24	%		3.01	%		2.93	%		2.96	%
Efficiency ratio		84.55	%		147.28	%		83.53	%		79.69	%		572.00	%
ASSET QUALITY
Net charge-offs (YTD)	$	30,190		$	24,600		$	16,367		$	6,547		$	10,771
Nonperforming loans	$	108,761		$	104,500		$	104,324		$	74,654		$	69,923
Other real estate	$	23,435		$	15,472		$	17,434		$	14,624		$	9,657
Nonperforming loans to total loans		13.05	%		12.11	%		11.83	%		8.29	%		7.49	%
Nonperforming assets to total assets		13.27	%		11.51	%		12.30	%		8.31	%		7.09	%
Allowance for loan loss to total loans		4.22	%		3.29	%		2.54	%		2.07	%		1.55	%
CAPITAL & LIQUIDITY
Average equity to average assets		4.87	%		8.70	%		9.13	%		9.49	%		12.20	%
Tier 1 capital to risk weighted assets		6.10	%		6.40	%		7.32	%		9.51	%		9.11	%
Total capital to risk weighted assets		7.39	%		7.65	%		8.59	%		10.76	%		10.37	%
Loan to deposit ratio		95.99	%		95.33	%		108.44	%		99.17	%		99.45	%
Loan to funding ratio		88.46	%		87.04	%		98.05	%		92.33	%		91.87	%
END OF PERIOD BALANCES
Total portfolio loans	$	833,136		$	862,664		$	881,818		$	900,055		$	933,269
Earning assets	$	953,957		$	1,005,659		$	909,462		$	1,012,149		$	1,064,196
Total assets	$	986,486		$	1,042,337		$	989,800		$	1,073,744		$	1,121,918
Deposits	$	867,955		$	904,954		$	813,167		$	907,579		$	938,395
Total shareholders’equity	$	41,945		$	47,890		$	87,877		$	96,964		$	103,311
AVERAGE BALANCES
Total portfolio loans	$	851,447		$	875,545		$	897,978		$	919,705		$	940,195
Earning assets	$	1,013,062		$	958,383		$	1,004,914		$	1,039,618		$	1,010,304
Total assets	$	1,045,938		$	1,018,320		$	1,066,951		$	1,099,573		$	1,091,120
Deposits	$	912,691		$	841,447		$	898,387		$	920,113		$	876,569
Total shareholders’equity	$	50,956		$	88,565		$	97,454		$	104,298		$	133,081

7

DEARBORN BANCORP, INC. AND SUBSIDIARY
TANGIBLE ASSETS & EQUITY

	Quarter Ended
(Dollars, in thousands)	12/31/2009		12/31/2008
Average GAAP equity	$	50,956	$	133,081
Goodwill		—		33,288
Other intangible assets		—		9,929
Deferred taxes		—		5,872
		0		49,089
Average tangible equity	$	50,956	$	83,992

	Quarter Ended
	12/31/2009		12/31/2008
Average GAAP assets	$	1,045,938	$	1,091,120
Goodwill		—		33,288
Other intangible assets		—		9,929
Deferred taxes		—		5,872
		0		49,089
Average tangible assets	$	1,045,938	$	1,042,031

DEARBORN BANCORP, INC. AND SUBSIDIARY
DEPOSIT INFORMATION

(In thousands)

	December 31
Category	2009		2008
Non-interest bearing
Demand	$	83,873	$	81,317
Interest bearing
Interest Checking	$	83,087	$	103,774
Money market		52,412		163,611
Savings		43,342		54,164
Time, under $100,000		301,830		211,109
Time, $100,000 and over		303,411		324,420
		784,082		857,078
	$	867,955	$	938,395

8

Dearborn Bancorp, Inc.
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

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

9

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

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

10