| Cash Flow for First Keystone Financial Inc. (FKFS) | | | | | | | Cash Flow | in Thousands of Dollars | | | 09/2007 | 09/2006 | 09/2005 | 09/2004 | 09/2003 | | | Net Income | 465 | 1,035 | 610 | 2,203 | 2,739 | | Provision for Loan Loss | 375 | 1,206 | 1,780 | 300 | 715 | | Depreciation & Amortization | 858 | 991 | 746 | 1,650 | 2,024 | | Deferred Income Taxes | - | 25 | (81) | (550) | 225 | | Change in Assets (Receivables) | 3,828 | 945 | 2,674 | (6,559) | (2,276) | | Change in Liabilities (Payables) | (934) | 1,320 | 755 | (1,395) | (1,246) | | Investment Securities Gain | (120) | (3) | (709) | (893) | (600) | | Net Policy Acquisition Cost | - | - | - | - | - | | Realized Investment Gains | (234) | (335) | (113) | (54) | (409) | | Net Premiums Receivables | - | - | - | - | - | | Change in Income Taxes | - | - | - | - | - | | Other Non-Cash Items | (577) | (575) | (31) | (745) | (3,997) | | Net Cash from Operating Activities | 3,661 | 4,609 | 5,631 | (6,043) | (2,825) | | | | Proceeds from Sale/Mat. Inv. | 29,200 | 28,069 | 115,699 | 75,562 | 123,897 | | Purchase of Investment Securities | (27,918) | (18,797) | (70,225) | (68,764) | (161,804) | | Net Increase Fed. Funds Sold | (105) | 3,266 | 328 | (1,533) | (1,723) | | Purchase of Property & Equipment | (676) | (396) | (1,041) | (1,321) | (362) | | Acquisitions | - | - | - | - | - | | Other Investment Changes, Net | 33,302 | (23,044) | 1,132 | (13,930) | 941 | | Net Cash from Investing Activities | 33,803 | (10,902) | 45,893 | (9,986) | (39,051) | | | Net Change in Deposits | (5,108) | 9,122 | 4,814 | (17,725) | 31,840 | | Cash Dividends paid | - | (209) | (810) | (843) | (798) | | Repayment of Long Term Debt | (6,186) | (6,062) | (57,846) | - | - | | Change in Short Term Debt | 8,143 | - | - | - | 9,888 | | Issuance of Long term Debt | - | - | - | 34,877 | - | | Issuance of Preferred Stock | - | - | - | - | - | | Issuance of Common Stock | 5,831 | 47 | 656 | 566 | 373 | | Purchase of Treasury Stock | - | - | (182) | (1,339) | (2,986) | | Other Financing Activities | 4 | 27 | 24 | (2,722) | 126 | | Cash from Financing Activities | 2,684 | 2,925 | (53,344) | 12,814 | 38,443 | | | | Effect of Exchange Rate Changes | - | - | - | - | - | | Net Change in Cash & Equivalents | 40,148 | (3,368) | (1,820) | (3,215) | (3,433) | | | Cash at Beginning of Period | 12,787 | 16,155 | 17,975 | 21,190 | 24,623 | | Cash at End of Period | 52,935 | 12,787 | 16,155 | 17,975 | 21,190 | | | |
