| Cash Flow for Camco Financial Corp. (CAFI) | | | | | | | Cash Flow | in Thousands of Dollars | | | 12/2007 | 12/2006 | 12/2005 | 12/2004 | 12/2003 | | | Net Income | 4,501 | 5,874 | 8,766 | (2,536) | 6,856 | | Provision for Loan Loss | 1,495 | 1,440 | 1,480 | 1,620 | 1,446 | | Depreciation & Amortization | 2,380 | 2,952 | 4,301 | 3,646 | 6,826 | | Deferred Income Taxes | 358 | 684 | 176 | (88) | (523) | | Change in Assets (Receivables) | (2,776) | (1,385) | 4,307 | 89 | 1,440 | | Change in Liabilities (Payables) | (250) | 435 | (7) | 554 | (196) | | Investment Securities Gain | (1) | - | (113) | (135) | (839) | | Net Policy Acquisition Cost | - | - | - | - | - | | Realized Investment Gains | (328) | (245) | (668) | (6,973) | (3,695) | | Net Premiums Receivables | - | - | - | - | - | | Change in Income Taxes | - | - | - | (3,722) | (184) | | Other Non-Cash Items | (397) | (3,565) | (1,767) | 1,785 | 52,928 | | Net Cash from Operating Activities | 4,982 | 6,190 | 16,475 | (5,760) | 64,059 | | | | Proceeds from Sale/Mat. Inv. | 64,720 | 19,092 | 31,707 | 66,412 | 167,576 | | Purchase of Investment Securities | (43,729) | (15,881) | (39,443) | (62,289) | (124,291) | | Net Increase Fed. Funds Sold | - | - | - | - | - | | Purchase of Property & Equipment | (1,115) | (2,856) | (1,121) | (727) | (876) | | Acquisitions | - | - | - | - | - | | Other Investment Changes, Net | 3,520 | 18,323 | (15,981) | 16,003 | (62,169) | | Net Cash from Investing Activities | 23,396 | 18,678 | (24,838) | 19,399 | (19,760) | | | Net Change in Deposits | 7,402 | 24,540 | (7,536) | (48,728) | (22,798) | | Cash Dividends paid | (4,411) | (4,471) | (4,438) | (4,305) | (4,215) | | Repayment of Long Term Debt | (125,224) | (104,569) | (57,453) | (161,075) | (87,432) | | Change in Short Term Debt | 10,066 | - | 12,866 | - | - | | Issuance of Long term Debt | 84,000 | 55,500 | 56,500 | 189,650 | 73,850 | | Issuance of Preferred Stock | - | - | - | - | - | | Issuance of Common Stock | 31 | 20 | 591 | 468 | 977 | | Purchase of Treasury Stock | (3,923) | (1,651) | (2,195) | - | (7,977) | | Other Financing Activities | 143 | (780) | 219 | (466) | (15) | | Cash from Financing Activities | (31,916) | (31,411) | (1,446) | (24,456) | (47,610) | | | | Effect of Exchange Rate Changes | - | - | - | - | - | | Net Change in Cash & Equivalents | (3,538) | (6,543) | (9,809) | (10,817) | (3,311) | | | Cash at Beginning of Period | 26,542 | 33,085 | 42,894 | 53,711 | 57,022 | | Cash at End of Period | 23,004 | 26,542 | 33,085 | 42,894 | 53,711 | | | |
