| Cash Flow for BankFinancial Corp. (BFIN) | | | | | | | Cash Flow | in Thousands of Dollars | | | 12/2007 | 12/2006 | 12/2005 | 12/2004 | | | Net Income | 7,155 | 10,046 | 11,073 | 1,457 | | Provision for Loan Loss | 697 | (136) | 518 | (22) | | Depreciation & Amortization | 5,814 | 5,774 | 6,835 | 8,997 | | Deferred Income Taxes | (438) | 2,458 | 633 | (395) | | Change in Assets (Receivables) | (1,544) | (2,185) | (1,588) | (68) | | Change in Liabilities (Payables) | 623 | (7,725) | 8,046 | (1,197) | | Investment Securities Gain | (399) | (101) | - | (599) | | Net Policy Acquisition Cost | - | - | - | - | | Realized Investment Gains | (135) | (623) | (206) | (863) | | Net Premiums Receivables | - | - | - | - | | Change in Income Taxes | - | - | - | - | | Other Non-Cash Items | 5,961 | 5,890 | 4,426 | 7,062 | | Net Cash from Operating Activities | 17,734 | 13,398 | 29,737 | 14,372 | | | | Proceeds from Sale/Mat. Inv. | 1,498,636 | 311,830 | 10,702,712 | 55,289 | | Purchase of Investment Securities | (1,464,649) | (95,086) | (10,656,506) | (1,510) | | Net Increase Fed. Funds Sold | - | 9,836 | - | - | | Purchase of Property & Equipment | (2,115) | (1,154) | (2,320) | (2,312) | | Acquisitions | - | (13,368) | - | - | | Other Investment Changes, Net | 51,083 | (79,601) | (164,905) | (100,825) | | Net Cash from Investing Activities | 82,955 | 132,457 | (121,019) | (49,358) | | | Net Change in Deposits | (55,952) | (41,812) | (47,822) | 42,085 | | Cash Dividends paid | (6,481) | (4,446) | - | - | | Repayment of Long Term Debt | (41,715) | (53,240) | (73,742) | (5,982) | | Change in Short Term Debt | - | - | - | - | | Issuance of Long term Debt | - | - | - | - | | Issuance of Preferred Stock | - | - | - | - | | Issuance of Common Stock | - | - | 220,679 | - | | Purchase of Treasury Stock | (33,957) | (17,290) | - | - | | Other Financing Activities | (973) | 244 | 895 | (449) | | Cash from Financing Activities | (139,078) | (116,544) | 100,010 | 35,654 | | | | Effect of Exchange Rate Changes | - | - | - | - | | Net Change in Cash & Equivalents | (38,389) | 29,311 | 8,728 | 668 | | | Cash at Beginning of Period | 67,337 | 38,026 | 29,298 | 28,630 | | Cash at End of Period | 28,948 | 67,337 | 38,026 | 29,298 | | | |
