Investor Relations Bank of Evansville, N.A. Condensed Statements of Operations (Unaudited) Three Months ended September 30, Nine Months ended September 30, 2004 2003 2004 2003 INTEREST INCOME: Interest and fees on loans $1,636,701 $1,148,802 $4,382,144 $3,319,270 Securities 156,919 123,441 479,701 312,321 Interest bearing balances with other banks 11,908 2,971 33,423 6,791 Federal funds sold 9,460 4,086 17,914 26,496 TOTAL INTEREST INCOME 1,814,988 1,279,300 4,913,182 3,664,878 INTEREST EXPENSE: Deposits 601,170 496,074 1,603,989 1,471,332 Federal funds purchased 2,041 568 2,461 823 FHLB advances 7,405 - 8,352 - TOTAL INTEREST EXPENSE 610,616 496,642 1,614,802 1,472,155 NET INTEREST INCOME 1,204,372 782,658 3,298,380 2,192,723 Provision for loan losses 207,000 78,500 466,179 206,500 NET INTEREST INCOME AFTER   PROVISION FOR LOAN LOSSES 997,372 704,158 2,832,201 1,986,223 OTHER INCOME Service charges on deposit accounts 32,487 19,345 76,474 50,017 Gain on sale of loans 81,567 103,372 280,958 317,430 Gain on sale of securities - 14,988 7,215 14,988 Other 86,838 25,953 203,865 114,519 TOTAL OTHER INCOME 200,892 163,658 568,512 496,954 OTHER EXPENSE Salaries and benefits 567,320 459,750 1,674,153 1,290,288 Occupancy and equipment 108,666 100,944 312,403 265,562 Marketing 19,948 11,241 66,509 63,159 Data processing 63,606 53,793 181,796 156,638 Supplies, printing and delivery expense 18,306 13,047 54,410 55,721 Legal and professional 70,691 41,052 225,485 159,142 Other 167,766 79,411 423,178 248,172 TOTAL OTHER EXPENSE 1,016,303 759,238 2,937,934 2,238,682 INCOME BEFORE INCOME TAXES 181,961 108,578 462,779 244,495 Income taxes - - - - NET INCOME 181,961 108,578 462,779 244,495 BASIC EARNINGS PER SHARE $0.12 $0.07 $0.31 $0.18 DILUTED EARNINGS PER SHARE $0.12 $0.07 $0.30 $0.18 AVERAGE SHARES OUTSTANDING 1,527,730 1,499,042 1,508,605 1,331,976 AVERAGE DILUTED SHARES OUTSTANDING 1,602,062 1,511,485 1,559,143 1,342,532