| Cash Flow for Oak Ridge Financial Services Inc. (BKOR) | | | | | | | Cash Flow | in Thousands of Dollars | | | 12/2006 | 12/2005 | 12/2004 | 12/2003 | 12/2002 | | | Net Income | 1,259 | 794 | 369 | (263) | 101 | | Provision for Loan Loss | 333 | 508 | 441 | 262 | 98 | | Depreciation & Amortization | 593 | 510 | 425 | 510 | 182 | | Deferred Income Taxes | (385) | (164) | - | - | - | | Change in Assets (Receivables) | (396) | (349) | (545) | (141) | (99) | | Change in Liabilities (Payables) | 96 | 540 | 274 | (68) | 140 | | Investment Securities Gain | - | (1) | (8) | (33) | (52) | | Net Policy Acquisition Cost | - | - | - | - | - | | Realized Investment Gains | - | 3 | - | - | - | | Net Premiums Receivables | - | - | - | - | - | | Change in Income Taxes | (190) | - | - | - | - | | Other Non-Cash Items | (155) | (161) | (91) | - | - | | Net Cash from Operating Activities | 1,155 | 1,680 | 865 | 267 | 370 | | | | Proceeds from Sale/Mat. Inv. | 4,562 | 8,314 | 8,526 | 12,537 | 6,236 | | Purchase of Investment Securities | (135) | (1,590) | (18,854) | (16,994) | (14,628) | | Net Increase Fed. Funds Sold | 2,241 | (9,039) | - | 220 | 105 | | Purchase of Property & Equipment | (747) | (1,817) | (1,419) | (1,559) | (690) | | Acquisitions | - | - | - | - | - | | Other Investment Changes, Net | (36,838) | (34,970) | (25,992) | (29,374) | (12,804) | | Net Cash from Investing Activities | (30,917) | (39,102) | (37,739) | (35,170) | (21,781) | | | Net Change in Deposits | 32,116 | 42,490 | 26,202 | 27,524 | 19,528 | | Cash Dividends paid | - | - | - | - | - | | Repayment of Long Term Debt | (14,200) | (13,250) | (13,250) | - | - | | Change in Short Term Debt | - | (155) | (868) | 1,023 | 2,500 | | Issuance of Long term Debt | 15,500 | 8,200 | 17,250 | 4,750 | - | | Issuance of Preferred Stock | - | - | - | - | - | | Issuance of Common Stock | 7 | - | 7,321 | 1,728 | 574 | | Purchase of Treasury Stock | - | - | - | - | - | | Other Financing Activities | - | - | - | - | - | | Cash from Financing Activities | 33,423 | 37,285 | 36,655 | 35,025 | 22,602 | | | | Effect of Exchange Rate Changes | - | - | - | - | - | | Net Change in Cash & Equivalents | 3,661 | (137) | (219) | 122 | 1,191 | | | Cash at Beginning of Period | 1,453 | 1,590 | 1,809 | 1,687 | 497 | | Cash at End of Period | 5,114 | 1,453 | 1,590 | 1,809 | 1,687 | | | |
