Financial Highlights
DEARBORN BANCORP, INC. (NASDAQ - DEAR)
Trend Analysis--Quarterly (
click here for Annual Analysis
)
For the definition of a financial field, click on the field name.
Balance Sheet ($000)
2010 Q2
2009 Q2
Y-Y
Ch (%)
2010 Q1
Q-Q
Ch (%)
†
Loans Held for Investment, before Reserves
783,032
882,568
(11.28)
813,961
(15.20)
Loans Held for Sale, before Reserves
1,169
60
1,848.33
758
216.89
Loan Loss Reserve
31,574
22,422
40.82
30,288
16.98
Net Loans Receivable
752,627
860,206
(12.51)
784,431
(16.22)
Intangible Assets
0
4,195
NM
0
0.00
Total Assets
933,113
989,800
(5.73)
970,699
(15.49)
Deposits
827,664
813,167
1.78
852,017
(11.43)
Debt, Senior and Subordinated
73,799
86,161
(14.35)
73,799
0.00
Common Equity
29,963
87,877
(65.90)
43,180
(122.44)
Total Shareholders' Equity
29,963
87,877
(65.90)
43,180
(122.44)
Shares Outstanding (actual)
7,685,705
7,687,470
(0.02)
7,687,470
(0.09)
Income Statement ($000)
2010 Q2
2009 Q2
Y-Y
Ch (%)
2010 Q1
Q-Q
Ch (%)
†
Net Interest Income
8,456
7,537
12.19
8,055
19.91
Provision for Loan Losses
11,803
13,610
(13.28)
100
46,812.00
Noninterest Income
573
697
(17.79)
539
25.23
Noninterest Expense
10,855
8,170
32.86
7,435
183.99
Net Income Before Taxes
(13,629)
(13,747)
(0.86)
1,128
NM
Provision for Taxes
0
(4,672)
NM
0
0.00
Net Income
(13,629)
(9,075)
50.18
1,128
NM
Per Share Items ($)
2010 Q2
2009 Q2
Y-Y
Ch (%)
2010 Q1
Q-Q
Ch (%)
†
Book Value per Share
3.90
11.43
(65.90)
5.62
(122.37)
Tangible Book Value
3.90
10.89
(64.19)
5.62
(122.37)
Diluted EPS Before Extra
(1.78)
(1.19)
49.58
0.15
NM
Diluted EPS After Extra
(1.78)
(1.19)
49.58
0.15
NM
Dividends Declared
0.0000
0.0000
0.00
0.0000
0.00
Performance Ratios (%)
2010 Q2
2009 Q2
Y-Y
Ch (bp)
2010 Q1
Q-Q
Ch (bp)
ROAA
(5.67)
(3.45)
(222)
0.44
(611)
ROAE
(123.92)
(37.77)
(8,615)
10.50
(13,442)
Net Interest Margin
3.68
3.01
67
3.47
21
Loans / Deposits
94.61
108.53
(1,393)
95.53
(93)
Efficiency Ratio
79.80
83.53
(373)
78.13
167
Balance Sheet Ratios (%)
2010 Q2
2009 Q2
Y-Y
Ch (bp)
2010 Q1
Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets
3.21
8.49
(528)
4.45
(124)
Equity/ Assets
3.21
8.88
(567)
4.45
(124)
Asset Quality Ratios (%)
2010 Q2
2009 Q2
Y-Y
Ch (bp)
2010 Q1
Q-Q
Ch (bp)
Nonperforming Assets/ Assets
14.75
12.30
245
14.27
48
Loan Loss Reserves/ Gross Loans
4.03
2.54
149
3.72
31
Loan Loss Reserves/ NPAs
22.94
18.42
452
22.05
89
Net Charge-offs/ Avg Loans
5.25
4.37
88
2.39
286
Regulatory Capital Ratios (%)
2010 Q2
2009 Q2
Y-Y
Ch (bp)
2010 Q1
Q-Q
Ch (bp)
Tier 1 Capital Ratio
4.98
7.89
(291)
6.41
(143)
†
Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4
*
Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.
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