| Cash Flow for ECB Bancorp Inc (ECBE) | | | | | | | Cash Flow | in Thousands of Dollars | | | 12/2007 | 12/2006 | 12/2005 | 12/2004 | 12/2003 | | | Net Income | 4,812 | 5,582 | 4,853 | 3,280 | 3,906 | | Provision for Loan Loss | (99) | 351 | 757 | 804 | 638 | | Depreciation & Amortization | 1,513 | 1,317 | 1,271 | 1,339 | 1,524 | | Deferred Income Taxes | (1) | (136) | 721 | (326) | (297) | | Change in Assets (Receivables) | (506) | 821 | (4,002) | (2,336) | (2,980) | | Change in Liabilities (Payables) | (118) | 1,170 | 2,336 | 879 | 1,660 | | Investment Securities Gain | 161 | - | (107) | (308) | (136) | | Net Policy Acquisition Cost | - | - | - | - | - | | Realized Investment Gains | 11 | - | (396) | 77 | 4 | | Net Premiums Receivables | - | - | - | - | - | | Change in Income Taxes | - | - | - | - | - | | Other Non-Cash Items | 315 | 281 | 338 | 1,487 | (587) | | Net Cash from Operating Activities | 6,088 | 9,386 | 5,771 | 4,896 | 3,732 | | | | Proceeds from Sale/Mat. Inv. | 22,561 | 11,514 | 20,935 | 46,750 | 67,412 | | Purchase of Investment Securities | (20,376) | (32,540) | (15,357) | (59,533) | (52,072) | | Net Increase Fed. Funds Sold | (1,153) | 719 | (1) | (846) | 328 | | Purchase of Property & Equipment | (2,889) | (5,395) | (3,192) | (6,069) | (4,308) | | Acquisitions | - | - | - | - | - | | Other Investment Changes, Net | (36,644) | (31,472) | (57,977) | (47,845) | (53,936) | | Net Cash from Investing Activities | (38,501) | (57,174) | (55,592) | (67,544) | (42,577) | | | Net Change in Deposits | 14,112 | 47,041 | 54,075 | 58,199 | 51,672 | | Cash Dividends paid | (2,028) | (1,806) | (1,269) | (1,126) | (968) | | Repayment of Long Term Debt | - | (493) | - | - | (2,690) | | Change in Short Term Debt | - | - | (12,409) | 4,707 | (1,922) | | Issuance of Long term Debt | 2,069 | - | - | 2,000 | - | | Issuance of Preferred Stock | - | - | - | - | - | | Issuance of Common Stock | 237 | 24,264 | - | - | - | | Purchase of Treasury Stock | (31) | - | - | (253) | (209) | | Other Financing Activities | - | - | - | - | - | | Cash from Financing Activities | 14,359 | 69,006 | 40,397 | 63,527 | 45,884 | | | | Effect of Exchange Rate Changes | - | - | - | - | - | | Net Change in Cash & Equivalents | (18,054) | 21,218 | (9,424) | 879 | 7,039 | | | Cash at Beginning of Period | 40,057 | 18,839 | 28,263 | 27,384 | 20,345 | | Cash at End of Period | 22,003 | 40,057 | 18,839 | 28,263 | 27,384 | | | |
