Investor Relations Bank of Evansville, N.A. Condensed Statements of Operations (Unaudited) Three Months ended June 30, 2003 June 30, 2002 INTEREST INCOME: Interest and fees on loans $1,103,465 $949,460 Securities 101,420 81,322 Interest bearing deposits with banks - - Federal funds sold 12,918 10,830 TOTAL INTEREST INCOME 1,217,803 1,041,612 INTEREST EXPENSE: Deposits 498,230 413,056 Federal funds purchased 198 115 TOTAL INTEREST EXPENSE 498,428 413,171 NET INTEREST INCOME 719,3755 628,441 Provision for loan losses 78,000 122,400 NET INTEREST INCOME (LOSS) AFTER PROVISION FOR LOAN LOSSES 641,375 506,041 OTHER INCOME Service charges on deposit accounts 14,122 9,416 Gain on sale of loans 137,088 37,772 Other 81,461 4,691 TOTAL OTHER INCOME 232,671 51,879 OTHER EXPENSE Salaries and benefits 440,971 332,117 Occupancy and equipment 85,527 64,504 Marketing 38,779 12,304 Data processing 47,325 33,322 Supplies postage & printing 14,234 10,963 Legal and professional 58,150 35,423 Other 107,033 57,754 TOTAL OTHER EXPENSE 792,019 546,387 INCOME (LOSS) BEFORE INCOME TAXES 82,027 11,533 Income taxes - - NET INCOME (LOSS) $82,027 $11,533 BASIC AND DILUTED INCOME (LOSS) PER SHARE $0.06 $0.01 AVERAGE SHARES OUTSTANDING 1,333,178 1,163,708 AVERAGE DILUTED SHARES OUTSTANDING 1,344,561 1,171,616