Investor Relations Bank of Evansville, N.A. Condensed Balance Sheets (unaudited) September 30, 2003 December 30, 2002 September 30, 2002 ASSETS Cash and due from banks $2,374,957 $2,524,469 $1,196,700 Interest bearing balances with banks 2,200,000 1,004,157 499,000 Federal funds sold 2,097,000 5,483,000 1,444,000 Total cash and cash equivalents 6,671,957 9,011,626 3,139,700 Securities available for sale, at fair value 12,826,699 7,827,456 7,923,586 Nonmarketable equity securities 475,200 383,050 383,050 Loans, net of allowance for loan losses of $1,353,500, $1,147,000 and $1,075,000 91,454,873 74,654,055 70,515,140 Premises and equipment 5,735,469 4,629,178 4,388,379 Other assets 534,087 475,898 467,670 Total assets $117,698,285 $96,981,263 $86,817,525 LIABILITIES AND STOCKHOLDERS' EQUITY LIABILITIES: Deposits Non-interest bearing $10,509,776 $6,072,758 $5,028,007 Interest bearing 93,694,176 81,063,931 72,036,128 Total deposits 104,203,952 87,136,689 77,064,135 Accrued expenses and other liabilities 377,363 415,116 449,712 Total liabilities 104,581,315 87,551,805 77,513,847 STOCKHOLDERS' EQUITY Common stock, $5.00 par value, 2,000,000 shares authorized; shares issued and outstanding 1,499,042 at September 30, 2003; 1,163,708 at December 31, 2002 and September 30, 2002 7,495,210 5,818,540 5,818,540 Surplus 7,024,667 5,147,083 5,147,083 Accumulated deficit (1,419,504) (1,663,998) (1,776,508) Accumulated other comprehensive income 16,597 127,833 114,563 Total shareholders' equity 13,116,970 9,429,458 9,303,678 Total liabilities and shareholders' equity $117,698,285 $96,981,263 $86,817,525