Investor Relations Bank of Evansville, N.A. Condensed Statements of Operations (Unaudited) Three Months ended March 30, 2002 December 31, 2001 INTEREST INCOME: Interest and fees on loans $807,507 $652,417 Securities 64,433 51,479 Interest bearing deposits with banks - 16,237 Federal funds sold 11,109 26,766 TOTAL INTEREST INCOME 883,049 746,899 INTEREST EXPENSE: Deposits 363,947 369,151 Federal funds purchased 37 - TOTAL INTEREST EXPENSE 363,984 369,151 NET INTEREST INCOME 519,065 377,748 Provision for loan losses 138,100 282,500 NET INTEREST LOSS AFTER PROVISION FOR LOAN LOSSES 380,965 95,248 NON-INTEREST INCOME Service charges on deposit accounts 7,573 7,576 Gain on sale of loans 13,986 7,274 Other 4,591 2,245 TOTAL NON-INTEREST INCOME 26,150 17,095 NON-INTEREST EXPENSE Salaries and benefits 272,968 251,744 Occupancy and equipment 70,442 62,776 Other 170,060 166,096 TOTAL NON-INTEREST EXPENSE 513,470 480,616 LOSS BEFORE INCOME TAXES (106,355) (368,273) Income taxes - - NET LOSS $(106,355) $(368,273) BASIC AND DILUTED LOSS PER SHARE $(0.09) $(0.32) AVERAGE SHARES OUTSTANDING 1,163,708 1,163,708