Investor Relations Bank of Evansville, N.A. Condensed Statements of Operations     Year Ended December 31,     2003 2002 2001 INTEREST INCOME:         Interest and fees on loans   $ 4,550,396 $ 3,853,403 $ 1,005,359 Securities   452,939 322,117 66,239 Interest bearing deposits with banks   20,386 5,679 18,833 Federal funds sold   30,046 45,942 99,634 TOTAL INTEREST INCOME   5,053,767 4,227,141 1,190,065           INTEREST EXPENSE:         Deposits   2,008,092 1,712,165 570,503 Federal funds purchased   1,664 407 - Other borrowed funds   - - 67,155 TOTAL INTEREST EXPENSE   2,009,756 1,712,572 637,658 NET INTEREST INCOME   3,044,011 2,514,569 552,407 Provision for loan losses   351,500 407,500 739,500 NET INTEREST INCOME (LOSS) AFTER         PROVISION FOR LOAN LOSSES   2,692,511 2,107,069 (187,093)           NON-INTEREST INCOME         Service charges on deposit accounts   72,051 39,040 10,363 Gain on sale of loans   393,349 190,534 13,505 Gain on sale of securities   14,988 12,815 - Interest on pre-opening escrow account   - - 119,656 Other   145,300 22,020 4,206 TOTAL NON-INTEREST INCOME   625,688 264,409 147,730           NON-INTEREST EXPENSE         Salaries and benefits   1,749,234 1,326,714 807,034 Occupancy and equipment   327,404 261,460 164,791 Other   939,867 664,795 429,455 TOTAL NON-INTEREST EXPENSE   3,016,505 2,252,969 1,401,280 INCOME (LOSS) BEFORE INCOME   301,694 118,509 (1,440,643) TAXES         Income taxes   - - - NET INCOME (LOSS)   $ 301,694 $ 118,509 $ (1,440,643)           BASIC AND DILUTED INCOME         (LOSS) PER SHARE   $ 0.22 $ 0.10 $ (1.24) AVERAGE SHARES OUTSTANDING   1,371,208 1,163,708 1,163,708 AVERAGE DILUTED SHARES         OUTSTANDING   1,384,282 1,175,104 1,164,460