Investor Relations Bank of Evansville, N.A. Condensed Balance Sheets (unaudited) December 31, 2004 December 31, 2003 ASSETS Cash and due from banks $3,412,850 $4,862,221 Interest bearing balances with banks 2,406,076 2,454,940 Federal funds sold 2,412,000 2,690,000 Total cash and cash equivalents 8,230,926 10,007,161 Securities available for sale, at fair value 13,602,753 14,685,496 Nonmarketable equity securities 677,000 586,600 Loans 137,587,122 98,899,025 Allowance for loan losses (2,116,000) (1,498,500) Net loans 135,471,122 97,400,525 Premises and equipment 5,602,767 5,663,967 Other assets 2,049,534 609,004 Total assets $165,634,102 $128,952,753 LIABILITIES AND STOCKHOLDERS' EQUITY LIABILITIES: Deposits Non-interest bearing $13,427,677 $13,471,364 Interest bearing 136,319,224 102,035,140 Total deposits 149,746,901 115,506,504 Federal funds purchased & other borrowed funds 500,000 - Accrued expenses and other liabilities 441,468 265,374 Total liabilities 150,688,369 115,771,878 STOCKHOLDERS' EQUITY Common stock, no par value, 3,000,000 shares authorized; 1,582,417 and 1,499,042 issued and outstanding at amount paid in 15,536,687 14,519,877 Accumulated deficit (543,881) (1,362,304) Accumulated other comprehensive income (loss) (47,073) 23,302 Total shareholders' equity 14,945,733 13,180,875 Total liabilities and shareholders' equity $165,634,102 $128,952,753