Investor Relations Bank of Evansville, N.A. Condensed Balance Sheets (unaudited) March 31, 2002 December 31, 2001 ASSETS Cash $674,193 $873,257 Federal funds sold 3,140,000 3,122,000 Total cash and equivalents 3,814,193 3,995,257 Securities available for sale 6,689,238 3,908,950 Loans 58,418,010 49,353,246 Less: Allowance for loan losses (877,600) (739,500) Net loans 57,540,410 48,613,746 Premises and equipment, net 1,894,027 1,879,905 Other assets 400,523 247,759 Total assets $70,338,391 $58,645,617 LIABILITIES AND STOCKHOLDERS' EQUITY LIABILITIES: Deposits Non-interest bearing $3,446,815 $3,786,466 NOW and Money Market Accounts 19,212,406 $11,935,904 Savings 760,717 $574,283 Time deposits < $100,000 8,168,077 $10,878,389 Time deposits $100,000 and over 29,432,161 22,060,596 Total interest bearing deposits 57,573,361 45,449,172 Total deposits 61,020,176 49,235,638 Accrued expenses and other liabilities 251,626 208,745 Total liabilities 61,271,802 49,444,383 STOCKHOLDERS' EQUITY Common stock, $5.00 par value, 2,000,000 shares authorized; 1,163,708 shares issued and outstanding at March 31, 2002 and at December 31, 2001 5,818,540 5,818,540 Surplus 5,147,083 5,147,083 Accumulated deficit (1,888,862) (1,782,507) Accumulated other comprehensive income (10,172) 18,118 Total stockholders' equity 9,066,589 9,201,234 Total liabilities and stockholders' equity $70,338,391 $58,645,617