| Cash Flow for BCB Bancorp Inc. (BCBP) | | | | | | | Cash Flow | in Thousands of Dollars | | | 12/2007 | 12/2006 | 12/2005 | 12/2004 | 12/2003 | | | Net Income | 4,438 | 5,567 | 4,729 | 3,619 | 2,395 | | Provision for Loan Loss | - | 625 | 1,118 | 690 | 880 | | Depreciation & Amortization | (270) | (315) | (196) | (27) | (84) | | Deferred Income Taxes | (132) | (241) | (225) | (74) | (164) | | Change in Assets (Receivables) | 927 | 2,196 | (3,625) | (625) | (783) | | Change in Liabilities (Payables) | 23 | 581 | 534 | 27 | 42 | | Investment Securities Gain | - | - | - | - | - | | Net Policy Acquisition Cost | - | - | - | - | - | | Realized Investment Gains | (420) | (635) | (252) | (136) | (94) | | Net Premiums Receivables | - | - | - | - | - | | Change in Income Taxes | - | - | - | - | - | | Other Non-Cash Items | 593 | (1,536) | (556) | 191 | 94 | | Net Cash from Operating Activities | 5,159 | 6,242 | 1,527 | 3,665 | 2,286 | | | | Proceeds from Sale/Mat. Inv. | 21,010 | 28,845 | 32,904 | 49,112 | 36,282 | | Purchase of Investment Securities | (39,350) | (37,500) | (55,815) | (75,823) | (75,947) | | Net Increase Fed. Funds Sold | (1,836) | (946) | (1,834) | 306 | (490) | | Purchase of Property & Equipment | (438) | (709) | (191) | (317) | (3,225) | | Acquisitions | - | - | - | - | - | | Other Investment Changes, Net | (46,751) | (33,662) | (38,668) | (57,983) | (67,395) | | Net Cash from Investing Activities | (67,365) | (43,972) | (63,604) | (84,705) | (110,774) | | | Net Change in Deposits | 16,072 | 19,896 | 25,608 | 83,593 | 90,131 | | Cash Dividends paid | (1,555) | (1,502) | - | - | - | | Repayment of Long Term Debt | (15,000) | (50,000) | - | - | - | | Change in Short Term Debt | - | - | (10,000) | (15,000) | 25,000 | | Issuance of Long term Debt | 55,000 | 70,000 | 50,000 | 4,124 | - | | Issuance of Preferred Stock | - | - | - | - | - | | Issuance of Common Stock | 158 | 90 | 17,877 | 1,071 | - | | Purchase of Treasury Stock | (6,526) | (64) | (795) | - | - | | Other Financing Activities | - | - | - | - | - | | Cash from Financing Activities | 48,149 | 38,420 | 82,690 | 73,788 | 115,131 | | | | Effect of Exchange Rate Changes | - | - | - | - | - | | Net Change in Cash & Equivalents | (14,057) | 690 | 20,613 | (7,252) | 6,642 | | | Cash at Beginning of Period | 25,837 | 25,147 | 4,534 | 11,786 | 5,144 | | Cash at End of Period | 11,780 | 25,837 | 25,147 | 4,534 | 11,786 | | | |
