| Cash Flow for Baker Boyer Bancorp (BBBK) | | | | | | | Cash Flow | in Thousands of Dollars | | | 12/2006 | 12/2005 | 12/2004 | 12/2003 | 12/2002 | | | Net Income | 4,374 | 4,339 | 4,285 | 1,208 | 3,980 | | Provision for Loan Loss | 590 | 1,200 | 744 | 6,061 | 2,632 | | Depreciation & Amortization | 1,157 | 1,316 | 1,375 | 1,468 | 1,073 | | Deferred Income Taxes | (163) | 16 | 400 | (196) | 98 | | Change in Assets (Receivables) | (57) | (251) | 116 | 301 | 1,243 | | Change in Liabilities (Payables) | 124 | 19 | (53) | (158) | (275) | | Investment Securities Gain | - | 16 | 34 | (102) | (198) | | Net Policy Acquisition Cost | - | - | - | - | - | | Realized Investment Gains | (7) | (48) | (445) | 21 | (171) | | Net Premiums Receivables | - | - | - | - | - | | Change in Income Taxes | - | - | - | - | - | | Other Non-Cash Items | (1,002) | 375 | 282 | 137 | (365) | | Net Cash from Operating Activities | 5,016 | 6,982 | 6,738 | 8,740 | 8,017 | | | | Proceeds from Sale/Mat. Inv. | 27,690 | 15,133 | 26,481 | 40,693 | 40,903 | | Purchase of Investment Securities | (190) | (740) | (41,084) | (72,683) | (18,714) | | Net Increase Fed. Funds Sold | - | - | 6,639 | 2,962 | (2,574) | | Purchase of Property & Equipment | (1,694) | (2,960) | (1,264) | (576) | (1,813) | | Acquisitions | - | - | - | - | - | | Other Investment Changes, Net | (18,936) | (5,113) | 572 | 13,471 | (9,680) | | Net Cash from Investing Activities | 6,870 | 6,320 | (8,656) | (16,133) | 8,122 | | | Net Change in Deposits | (3,986) | (9,244) | (1,094) | 6,774 | (14,620) | | Cash Dividends paid | (3,377) | (3,275) | (3,119) | (3,312) | (3,897) | | Repayment of Long Term Debt | - | - | - | - | - | | Change in Short Term Debt | 117 | 1,052 | (1,148) | (461) | 1,428 | | Issuance of Long term Debt | - | - | - | - | - | | Issuance of Preferred Stock | - | - | - | - | - | | Issuance of Common Stock | - | - | - | - | - | | Purchase of Treasury Stock | (390) | (64) | (310) | (42) | (139) | | Other Financing Activities | - | - | - | - | - | | Cash from Financing Activities | (7,636) | (11,531) | (5,671) | 2,959 | (17,228) | | | | Effect of Exchange Rate Changes | - | - | - | - | - | | Net Change in Cash & Equivalents | 4,250 | 1,771 | (7,589) | (4,434) | (1,089) | | | Cash at Beginning of Period | 23,029 | 21,258 | 16,251 | 20,685 | 21,774 | | Cash at End of Period | 27,279 | 23,029 | 8,662 | 16,251 | 20,685 | | | |
