Investor Relations Bank of Evansville, N.A. Condensed Statements of Operations (Unaudited) Three Months ended December 31, Year ended December 31, 2004 2003 2004 2003 INTEREST INCOME: Interest and fees on loans $1,924,167 $1,231,126 $6,306,310 $4,550,396 Securities 148,153 140,618 627,852 452,939 Interest bearing balances with other banks 16,329 13,595 49,753 20,386 Federal funds sold 7,448 3,549 25,362 30,046 TOTAL INTEREST INCOME 2,096,097 1,138,888 7,009,277 5,053,767 INTEREST EXPENSE: Deposits 683,423 536,759 2,287,412 2,008,092 Federal funds purchased 2,970 841 5,431 1,664 FHLB advances 10,401 - 18,753 - TOTAL INTEREST EXPENSE 696,794 537,600 2,311,596 2,009,756 NET INTEREST INCOME 1,399,303 851,288 4,697,681 3,044,011 Provision for loan losses 164,500 145,500 630,679 351,500 NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 1,234,803 706,288 4,067,002 2,692,511 NON INTEREST INCOME Service charges on deposit accounts 34,825 22,034 111,301 72,051 Gain on sale of loans 103,806 75,919 387,766 693,349 Gain on sale of secutities - - 7,215 14,988 Other 132,922 30,771 336,784 145,300 TOTAL NON INTEREST INCOME 274,553 128,724 843,066 625,688 NON INTEREST EXPENSE Salaries and benefits 540,992 458,945 2,215,145 1,749,234 Occupancy and equipment 128,882 61,842 441,282 327,404 Marketing 29,835 16,058 96,345 79,217 Data processing 69,487 59,643 251,282 216,281 Supplies postage & printing 33,439 16,163 87,849 71,884 Legal and professional 126,915 46,895 352,399 206,037 Other 224,163 118,266 647,343 366,448 TOTAL NON INTEREST EXPENSE 1,153,713 777,812 4,091,645 3,016,505 INCOME BEFORE INCOME TAXES 355,643 57,200 818,423 301,694 Income taxes - - - - NET INCOME 355,643 57,200 818,423 301,694 BASIC EARNINGS PER SHARE $0.22 $0.04 $0.54 $0.22 DILUTED EARNINGS PER SHARE $0.22 $0.04 $0.52 $0.22 AVERAGE SHARES OUTSTANDING 1,582,417 1,499,042 1,527,058 1,371,208 AVERAGE DILUTED SHARES OUTSTANDING 1,653,259 1,520,254 1,582,705 1,384,282