| Cash Flow for FFD Financial Corp. (FFDF) | | | | | | | Cash Flow | in Thousands of Dollars | | | 06/2008 | 06/2007 | 06/2006 | 06/2005 | 06/2004 | | | Net Income | 1,170 | 1,623 | 1,352 | 1,086 | 687 | | Provision for Loan Loss | 858 | 275 | 160 | 11 | 25 | | Depreciation & Amortization | 331 | 572 | 431 | 405 | 397 | | Deferred Income Taxes | (107) | 63 | 66 | (10) | 43 | | Change in Assets (Receivables) | 732 | 218 | (152) | (48) | (19) | | Change in Liabilities (Payables) | (24) | (636) | 184 | 724 | (215) | | Investment Securities Gain | - | - | (35) | (329) | - | | Net Policy Acquisition Cost | - | - | - | - | - | | Realized Investment Gains | (173) | (172) | (69) | (65) | (62) | | Net Premiums Receivables | - | - | - | - | - | | Change in Income Taxes | - | - | 786 | 157 | (87) | | Other Non-Cash Items | (90) | (67) | 2,829 | 2,821 | 1,539 | | Net Cash from Operating Activities | 2,697 | 1,876 | 5,552 | 4,752 | 2,308 | | | | Proceeds from Sale/Mat. Inv. | 3,539 | 195 | 193 | 1,652 | 2,942 | | Purchase of Investment Securities | - | - | - | - | (5,500) | | Net Increase Fed. Funds Sold | - | - | - | - | - | | Purchase of Property & Equipment | (513) | (478) | (98) | (178) | (81) | | Acquisitions | - | - | - | - | - | | Other Investment Changes, Net | (9,488) | (10,646) | (16,154) | (19,860) | (6) | | Net Cash from Investing Activities | (6,462) | (10,929) | (16,059) | (18,386) | (2,645) | | | Net Change in Deposits | 1,410 | 18,003 | 10,424 | 6,049 | 1,095 | | Cash Dividends paid | (695) | (612) | (561) | (517) | (504) | | Repayment of Long Term Debt | (536) | (15,473) | (26,452) | (5,284) | (2,747) | | Change in Short Term Debt | - | - | - | - | - | | Issuance of Long term Debt | 8,000 | 10,100 | 27,000 | 10,495 | 1,525 | | Issuance of Preferred Stock | - | - | - | - | - | | Issuance of Common Stock | 18 | 233 | 64 | 267 | 314 | | Purchase of Treasury Stock | (416) | (1,882) | (64) | (411) | (769) | | Other Financing Activities | - | 25 | 3 | - | - | | Cash from Financing Activities | 7,781 | 10,394 | 10,414 | 10,599 | (1,086) | | | | Effect of Exchange Rate Changes | - | - | - | - | - | | Net Change in Cash & Equivalents | 4,016 | 1,341 | (93) | (3,035) | (1,423) | | | Cash at Beginning of Period | 9,033 | 7,692 | 7,785 | 10,820 | 12,243 | | Cash at End of Period | 13,049 | 9,033 | 7,692 | 7,785 | 10,820 | | | |
