Investor Relations Bank of Evansville, N.A. Condensed Statements of Operations (Unaudited) Three Months ended September 30, Nine Months ended September 30, 2003 2002 2003 2002 INTEREST INCOME: Interest and fees on loans $1,148,802 $1,035,588 $3,319,270 $2,792,556 Securities 123,441 87,929 312,321 233,684 Interest bearing balances with other banks 2,971 1,137 6,791 1,137 Federal funds sold 4,086 13,774 26,496 35,713 TOTAL INTEREST INCOME 1,279,300 1,138,428 3,664,878 3,063,090 INTEREST EXPENSE: Deposits 496,074 457,220 1,471,332 1,234,224 Federal funds purchased 568 174 823 326 TOTAL INTEREST EXPENSE 496,642 457,394 1,472,155 1,234,550 NET INTEREST INCOME 782,658 681,034 2,192,723 1,828,540 Provision for loan losses 78,500 75,000 206,500 335,500 NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 704,158 606,034 1,986,223 1,493,040 OTHER INCOME Service charges on deposit accounts 19,215 8,370 49,887 25,359 Gain on sale of loans 103,372 64,462 317,430 116,220 Gain on sale of secutities 14,988 12,814 14,988 12,814 Other 26,083 5,511 114,649 14,793 TOTAL OTHER INCOME 163,658 91,157 496,954 169,186 OTHER EXPENSE Salaries and benefits 459,750 353,849 1,290,288 958,934 Occupancy and equipment 100,944 73,640 265,562 208,586 Marketing 11,241 10,475 63,159 36,280 Data processing 62,067 35,570 153,160 103,162 Supplies postage & printing 22,273 18,179 55,721 42,984 Legal and professional 41,051 39,281 159,142 134,049 Other 61,912 65,376 251,650 172,232 TOTAL OTHER EXPENSE 759,238 596,370 2,238,682 1,656,227 INCOME BEFORE INCOME TAXES 108,578 100,821 244,495 5,999 Income taxes - - - - NET INCOME 108,578 100,821 244,495 5,999 BASIC AND DILUTED INCOME PER SHARE $0.07 $0.09 $0.18 $0.01 AVERAGE SHARES OUTSTANDING 1,499,042 1,163,708 1,331,976 1,163,708 AVERAGE DILUTED SHARES OUTSTANDING 1,511,485 1,180,650 1,342,532 1,171,051