| Cash Flow for Bank of Marin Bancorp (BMRC) | | | | | | | Cash Flow | in Thousands of Dollars | | | 12/2006 | 12/2005 | 12/2004 | 12/2003 | 12/2002 | | | Net Income | 11,883 | 11,737 | 9,518 | 7,473 | 6,242 | | Provision for Loan Loss | 1,266 | 1,541 | 934 | 685 | 577 | | Depreciation & Amortization | 1,485 | 1,667 | 2,519 | 2,099 | 882 | | Deferred Income Taxes | - | - | - | - | - | | Change in Assets (Receivables) | (2,127) | (3,383) | (3,830) | (476) | (468) | | Change in Liabilities (Payables) | 1,516 | 1,798 | 1,021 | (2,404) | 2,590 | | Investment Securities Gain | - | - | - | - | - | | Net Policy Acquisition Cost | - | - | - | - | - | | Realized Investment Gains | 50 | - | - | - | - | | Net Premiums Receivables | - | - | - | - | - | | Change in Income Taxes | - | - | - | - | - | | Other Non-Cash Items | (374) | 410 | 344 | - | - | | Net Cash from Operating Activities | 13,699 | 13,770 | 10,506 | 7,377 | 9,823 | | | | Proceeds from Sale/Mat. Inv. | 30,674 | 36,418 | 52,228 | 41,550 | 35,348 | | Purchase of Investment Securities | (11,558) | (34,835) | (43,908) | (101,756) | (17,128) | | Net Increase Fed. Funds Sold | - | - | - | - | - | | Purchase of Property & Equipment | (3,855) | (1,969) | (352) | (950) | (1,320) | | Acquisitions | - | - | - | - | - | | Other Investment Changes, Net | (34,622) | (110,938) | (126,358) | (50,989) | (83,906) | | Net Cash from Investing Activities | (19,361) | (111,324) | (118,390) | (112,144) | (67,007) | | | Net Change in Deposits | 15,525 | 76,093 | 60,963 | 98,087 | 74,212 | | Cash Dividends paid | (2,448) | (1,007) | (1,824) | - | - | | Repayment of Long Term Debt | - | - | - | - | - | | Change in Short Term Debt | - | 13,200 | 17,800 | - | - | | Issuance of Long term Debt | 8,400 | - | 5,000 | - | - | | Issuance of Preferred Stock | - | - | - | - | - | | Issuance of Common Stock | 4,701 | 2,031 | 2,527 | 955 | 317 | | Purchase of Treasury Stock | (3,968) | - | - | - | - | | Other Financing Activities | (27) | - | (9) | (17) | - | | Cash from Financing Activities | 22,183 | 90,317 | 84,457 | 99,024 | 74,529 | | | | Effect of Exchange Rate Changes | - | - | - | - | - | | Net Change in Cash & Equivalents | 16,521 | (7,237) | (23,427) | (5,743) | 17,345 | | | Cash at Beginning of Period | 22,262 | 29,499 | 52,926 | 58,669 | 41,324 | | Cash at End of Period | 38,783 | 22,262 | 29,499 | 52,926 | 58,669 | | | |
