| Cash Flow for First Business Financial Services Inc. (FBIZ) | | | | | | | Cash Flow | in Thousands of Dollars | | | 12/2007 | 12/2006 | 12/2005 | 12/2004 | | | Net Income | 3,256 | 3,747 | 4,757 | 3,875 | | Provision for Loan Loss | 2,904 | 1,519 | 400 | (540) | | Depreciation & Amortization | 475 | 602 | 959 | 830 | | Deferred Income Taxes | (392) | (836) | (3,824) | 2,353 | | Change in Assets (Receivables) | (688) | (1,556) | (825) | 2,739 | | Change in Liabilities (Payables) | 2,492 | 604 | 2,417 | (4,480) | | Investment Securities Gain | - | 7 | - | - | | Net Policy Acquisition Cost | - | - | - | - | | Realized Investment Gains | (6) | (7) | (979) | (16) | | Net Premiums Receivables | - | - | - | - | | Change in Income Taxes | - | - | - | - | | Other Non-Cash Items | (300) | 465 | (277) | (507) | | Net Cash from Operating Activities | 7,741 | 4,545 | 2,628 | 4,254 | | | | Proceeds from Sale/Mat. Inv. | 22,045 | 23,229 | 26,528 | 15,550 | | Purchase of Investment Securities | (18,523) | (30,780) | (57,000) | (18,822) | | Net Increase Fed. Funds Sold | (343) | 874 | - | - | | Purchase of Property & Equipment | (856) | (283) | (327) | (304) | | Acquisitions | - | - | - | - | | Other Investment Changes, Net | (135,261) | (108,671) | (66,226) | (41,184) | | Net Cash from Investing Activities | (132,938) | (115,631) | (97,025) | (44,760) | | | Net Change in Deposits | 135,794 | 72,802 | 92,788 | 37,791 | | Cash Dividends paid | (644) | (595) | (424) | (507) | | Repayment of Long Term Debt | (35,984) | (15,319) | (11,259) | - | | Change in Short Term Debt | - | 13,173 | 21,036 | (4,798) | | Issuance of Long term Debt | 25,000 | 45,048 | - | 3,967 | | Issuance of Preferred Stock | - | - | - | - | | Issuance of Common Stock | 37 | 136 | 286 | 589 | | Purchase of Treasury Stock | (843) | (21) | (125) | (349) | | Other Financing Activities | - | (1,384) | - | 19 | | Cash from Financing Activities | 123,360 | 113,840 | 102,302 | 36,712 | | | | Effect of Exchange Rate Changes | - | - | - | - | | Net Change in Cash & Equivalents | (1,837) | 2,754 | 7,905 | (3,794) | | | Cash at Beginning of Period | 19,461 | 16,707 | 8,671 | 12,465 | | Cash at End of Period | 17,624 | 19,461 | 16,576 | 8,671 | | | |
