Investor Relations Bank of Evansville, N.A. Condensed Balance Sheets (unaudited) June 30, 2003 June 30, 2002 ASSETS Cash $2,806,127 $981,029 Federal funds sold 4,307,000 3,477,000 Total cash and equivalents 7,113,127 4,458,029 Securities available for sale 11,785,732 7,490,887 Nonmarketable equity securities 470,700 383,050 Loans, net of allowance for loan losses of $1,275,000, $1,147,000, $1,000,000 83,481,925 63,888,980 Premises and equipment, net 5,771,918 4,147,708 Other assets 495,074 382,139 Total assets $109,118,476 $80,838,153 LIABILITIES AND STOCKHOLDERS' EQUITY LIABILITIES: Deposits Non-interest bearing $8,544,440 $4,773,794 Interest bearing $85,482,264 $66,563,310 Total deposits $94,026,704 $71,337,104 Federal funds purchases $1,500,000 - Accrued expenses and other liabilities $448,845 $333,284 Total liabilities $95,975,549 $71,670,388 STOCKHOLDERS' EQUITY Common stock, $5.00 par value, 2,000,000 shares authorized; 1,499,402 shares issued and outstanding at March 30, 2003 7,495,210 5,818,540 Surplus 7,024,667 5,147,083 Accumulated deficit (1,528,082) (1,877,329) Accumulated other comprehensive income 151,132 79,471 Total stockholders' equity 13,142,927 9,167,765 Total liabilities and stockholders' equity $109,118,476 $80,838,153