| Cash Flow for DNB Financial Corp (DNBF) | | | | | | | Cash Flow | in Thousands of Dollars | | | 12/2007 | 12/2006 | 12/2005 | 12/2004 | 12/2003 | | | Net Income | 1,802 | 1,747 | 2,148 | 298 | 1,401 | | Provision for Loan Loss | 60 | - | - | - | - | | Depreciation & Amortization | 1,387 | 1,186 | 1,406 | 1,498 | 3,162 | | Deferred Income Taxes | (216) | (384) | (518) | (131) | (114) | | Change in Assets (Receivables) | 121 | (134) | (449) | 374 | (264) | | Change in Liabilities (Payables) | 1,439 | 42 | (310) | 528 | 715 | | Investment Securities Gain | (395) | (13) | 662 | 16 | 362 | | Net Policy Acquisition Cost | - | - | - | - | - | | Realized Investment Gains | - | - | - | 2,608 | - | | Net Premiums Receivables | - | - | - | - | - | | Change in Income Taxes | - | - | - | (480) | 140 | | Other Non-Cash Items | (232) | (112) | (812) | - | (360) | | Net Cash from Operating Activities | 3,966 | 2,332 | 2,127 | 4,711 | 5,042 | | | | Proceeds from Sale/Mat. Inv. | 97,764 | 20,855 | 125,940 | 71,339 | 138,672 | | Purchase of Investment Securities | (106,602) | (28,528) | (105,443) | (68,251) | (156,437) | | Net Increase Fed. Funds Sold | - | - | - | - | - | | Purchase of Property & Equipment | (3,382) | (1,930) | (1,285) | (1,197) | (543) | | Acquisitions | - | - | - | - | - | | Other Investment Changes, Net | 19,919 | (41,680) | (53,886) | (28,629) | (15,955) | | Net Cash from Investing Activities | 7,699 | (51,283) | (34,674) | (26,738) | (34,263) | | | Net Change in Deposits | 31,893 | 41,400 | 16,483 | 30,708 | 4,634 | | Cash Dividends paid | (1,302) | (1,239) | (1,071) | (990) | (949) | | Repayment of Long Term Debt | (5,450) | (12) | (7,810) | (21,359) | (8) | | Change in Short Term Debt | (15,211) | 9,070 | 12,923 | 23,127 | - | | Issuance of Long term Debt | - | 1,600 | 4,124 | - | 20,000 | | Issuance of Preferred Stock | - | - | - | - | - | | Issuance of Common Stock | 117 | 151 | 5,960 | 471 | 317 | | Purchase of Treasury Stock | (608) | - | - | (1,391) | (1,215) | | Other Financing Activities | - | 25 | - | - | - | | Cash from Financing Activities | 9,439 | 50,995 | 30,609 | 30,566 | 22,779 | | | | Effect of Exchange Rate Changes | - | - | - | - | - | | Net Change in Cash & Equivalents | 21,104 | 2,044 | (1,938) | 8,539 | (6,442) | | | Cash at Beginning of Period | 24,227 | 22,183 | 24,121 | 15,582 | 22,024 | | Cash at End of Period | 45,331 | 24,227 | 22,183 | 24,121 | 15,582 | | | |
