| Cash Flow for Fidelity Bancorp Inc. (FSBI) | | | | | | | Cash Flow | in Thousands of Dollars | | | 09/2007 | 09/2006 | 09/2005 | 09/2004 | 09/2003 | | | Net Income | 3,711 | 4,184 | 3,876 | 4,321 | 4,053 | | Provision for Loan Loss | 575 | 600 | 600 | 275 | 555 | | Depreciation & Amortization | 808 | 1,089 | 765 | 1,185 | 991 | | Deferred Income Taxes | 404 | (91) | 37 | 168 | 25 | | Change in Assets (Receivables) | (1,031) | 132 | (15) | 327 | 450 | | Change in Liabilities (Payables) | 385 | 825 | 89 | (204) | (678) | | Investment Securities Gain | (126) | - | (609) | (639) | 110 | | Net Policy Acquisition Cost | - | - | - | - | - | | Realized Investment Gains | 1 | (601) | (36) | (47) | (1,260) | | Net Premiums Receivables | - | - | - | - | - | | Change in Income Taxes | 121 | 281 | 103 | (253) | 320 | | Other Non-Cash Items | (252) | (696) | 1,108 | 1,756 | 2,009 | | Net Cash from Operating Activities | 4,596 | 5,723 | 5,918 | 6,889 | 6,575 | | | | Proceeds from Sale/Mat. Inv. | 40,773 | 55,184 | 86,391 | 119,823 | 157,574 | | Purchase of Investment Securities | (16,431) | (19,659) | (81,769) | (103,989) | (217,536) | | Net Increase Fed. Funds Sold | 2,030 | 3,083 | (1,059) | (709) | 279 | | Purchase of Property & Equipment | (344) | (1,718) | (641) | (154) | (613) | | Acquisitions | - | - | - | - | 7,154 | | Other Investment Changes, Net | (20,226) | (92,441) | (55,501) | (27,440) | 57,813 | | Net Cash from Investing Activities | 5,802 | (55,551) | (52,579) | (12,469) | 4,671 | | | Net Change in Deposits | 19,373 | 47,370 | 7,040 | (6,354) | 2,461 | | Cash Dividends paid | (1,672) | (1,594) | (1,405) | (1,229) | (1,191) | | Repayment of Long Term Debt | (20,552) | (56,743) | (26,272) | (20,401) | (51,057) | | Change in Short Term Debt | (33,108) | 44,448 | 48,887 | 25,130 | 26,878 | | Issuance of Long term Debt | 27,732 | 15,000 | 20,000 | 10,000 | - | | Issuance of Preferred Stock | - | - | - | - | - | | Issuance of Common Stock | 458 | 415 | 715 | 747 | 1,842 | | Purchase of Treasury Stock | (177) | (397) | (1,265) | (1,474) | (6,021) | | Other Financing Activities | (43) | 126 | - | - | - | | Cash from Financing Activities | (7,989) | 48,625 | 47,700 | 6,419 | (27,088) | | | | Effect of Exchange Rate Changes | - | - | - | - | - | | Net Change in Cash & Equivalents | 2,409 | (1,203) | 1,039 | 839 | (15,842) | | | Cash at Beginning of Period | 8,667 | 9,870 | 8,831 | 7,992 | 23,834 | | Cash at End of Period | 11,076 | 8,667 | 9,870 | 8,831 | 7,992 | | | |
