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.
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)
(Dollars, in thousands)
December 31,
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
DEARBORN BANCORP, INC. AND SUBSIDIARY
CONDENSED CONSOLIDATED STATEMENTS OF INCOME (unaudited)
(In thousands, except share and per share data)
Three Months Ended
Twelve Months Ended
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
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%
DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED BALANCE SHEETS
(Dollars, in thousands)
Quarter Ended
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
DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED INCOME STATEMENT
(Dollars, in thousands)
Quarter ended
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)
DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED FINANCIAL DATA
(Dollars in thousands, except share
and per share data)
Quarter ended
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
DEARBORN BANCORP, INC. AND SUBSIDIARY
TANGIBLE ASSETS & EQUITY
(Dollars, in thousands)
Quarter Ended
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
Dearborn Bancorp, Inc.
Loan Information at December 31, 2009
(In thousands)
Loan Detail
Other Related Data
Accruing Loans
Allowance
Year to Date
Other Real
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
(In thousands)
Loan Detail
Other Related Data
Accruing Loans
Allowance
Year to Date
Other Real
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
(In thousands)
Loan Detail
Other Related Data
Accruing Loans
Allowance
Year to Date
Other Real
6/30/09
Current
TDR
30 to 89 past due
90+ days past due
Non-Accrual
For Loan Losses
Net Charge-Offs
Estate Owned
Consumer Loans
$30,270
$29,017
$0
$214
$0
$1,039
$359
$528
$18
Commercial Loans
156,688
131,630
14,346
3,791
0
6,921
4,025
2,301
1,913
Land Development - Residential
48,454
31,199
1,309
240
0
15,706
6,114
5,280
4,103
Land Development - Non Residential
13,405
7,483
0
1,150
0
4,772
1,448
2,356
384
Commercial Construction Loans - Residential
13,125
7,846
99
103
0
5,077
2,345
1,176
2,495
Commercial Construction Loans - Non Residential
22,518
16,336
0
0
0
6,182
869
430
0
Commercial Mortgage Loans
549,275
486,038
30,960
15,969
0
16,308
6,623
3,682
7,789
Residential Mortgage Loans
48,083
46,258
0
220
0
1,605
639
614
732
Totals
$881,818
$755,807
$46,714
$21,687
$0
$57,610
$22,422
$16,367
$17,434
Loan Information at March 31, 2009
(In thousands)
Loan Detail
Other Related Data
Accruing Loans
Allowance
Year to Date
Other Real
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
(In thousands)
Loan Detail
Other Related Data
Accruing Loans
Allowance
Year to Date
Other Real
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
CONTACT: Dearborn Bancorp, Inc.
Michael J. Ross, President & CEO
(313) 565-5700
Jeffrey L. Karafa, CFO
(313) 381-3200
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