Investor Relations Bank of Evansville, N.A. Condensed Balance Sheets (unaudited) December 31, 2003 December 31, 2002 ASSETS Cash and due from banks $4,862,221 $2,524,469 Interest bearing balances with banks 2,454,940 1,004,157 Federal funds sold 2,690,000 5,483,000 Total cash and cash equivalents 10,007,161 9,011,626 Securities available for sale, at fair value 14,685,496 7,827,456 Nonmarketable equity securities 586,600 383,050 Loans, net of allowance for loan losses of $1,353,500, $1,147,000 and $1,075,000 97,400,525 74,654,055 Premises and equipment 5,663,967 4,629,178 Other assets 609,004 475,898 Total assets $128,952,753 $96,981,263 LIABILITIES AND STOCKHOLDERS' EQUITY LIABILITIES: Deposits Non-interest bearing $13,471,364 $6,072,758 Interest bearing 102,035,140 81,063,931 Total deposits 115,506,504 87,136,689 Accrued expenses and other liabilities 265,374 415,116 Total liabilities 115,771,878 87,551,805 STOCKHOLDERS' EQUITY Common stock, $5.00 par value, 3,000,000 shares authorized; shares issued and outstanding 1,499,042 in 2003. 2,000,000 shares authorized; 1,163,708 issued and outstanding in 2002 7,495,210 5,818,540 Surplus 7,024,667 5,147,083 Accumulated deficit (1,362,304) (1,663,998) Accumulated other comprehensive income 23,302 127,833 Total shareholders' equity 13,180,875 9,429,458 Total liabilities and shareholders' equity $128,952,753 $96,981,263