| Cash Flow for NB&T FINANCIAL GROUP INC (NBTF) | | | | | | | Cash Flow | in Thousands of Dollars | | | 12/2007 | 12/2006 | 12/2005 | 12/2004 | 12/2003 | | | Net Income | 4,432 | 1,856 | 4,105 | 4,954 | 4,104 | | Provision for Loan Loss | 135 | 1,330 | 775 | 1,900 | 3,919 | | Depreciation & Amortization | 1,836 | 3,113 | 3,235 | 3,618 | 4,401 | | Deferred Income Taxes | 345 | (778) | 55 | 529 | (620) | | Change in Assets (Receivables) | 63 | (594) | (1,322) | (996) | (271) | | Change in Liabilities (Payables) | (118) | (976) | 1,027 | 1,591 | (420) | | Investment Securities Gain | - | 1,342 | (101) | (787) | (615) | | Net Policy Acquisition Cost | - | - | - | - | - | | Realized Investment Gains | (251) | (59) | - | (22) | (60) | | Net Premiums Receivables | - | - | - | - | - | | Change in Income Taxes | - | - | - | - | - | | Other Non-Cash Items | 322 | (195) | (158) | 56 | (344) | | Net Cash from Operating Activities | 6,764 | 5,039 | 7,616 | 10,843 | 10,094 | | | | Proceeds from Sale/Mat. Inv. | 29,991 | 159,909 | 23,729 | 92,620 | 164,619 | | Purchase of Investment Securities | (35,505) | (71,601) | (28,216) | (71,340) | (146,732) | | Net Increase Fed. Funds Sold | - | - | - | - | - | | Purchase of Property & Equipment | (3,395) | (1,297) | (1,171) | (2,086) | (1,005) | | Acquisitions | - | - | - | (635) | - | | Other Investment Changes, Net | 51,155 | 6,776 | (15,713) | 4,378 | (28,163) | | Net Cash from Investing Activities | 42,246 | 93,787 | (21,371) | 22,937 | (11,281) | | | Net Change in Deposits | (33,014) | 5,642 | (4,967) | 2,093 | (17,596) | | Cash Dividends paid | (3,548) | (3,431) | (3,292) | (3,149) | (3,013) | | Repayment of Long Term Debt | (12,000) | (72,291) | (2,634) | (21,094) | (3,927) | | Change in Short Term Debt | (2,142) | (27,163) | 12,004 | (3,886) | 2,669 | | Issuance of Long term Debt | 10,000 | - | - | - | 20,000 | | Issuance of Preferred Stock | - | - | - | - | - | | Issuance of Common Stock | 52 | 66 | 474 | 89 | 593 | | Purchase of Treasury Stock | (1,176) | (75) | (482) | - | (1,138) | | Other Financing Activities | - | - | - | - | - | | Cash from Financing Activities | (41,828) | (97,252) | 1,103 | (25,947) | (2,412) | | | | Effect of Exchange Rate Changes | - | - | - | - | - | | Net Change in Cash & Equivalents | 7,182 | 1,574 | (12,652) | 7,833 | (3,599) | | | Cash at Beginning of Period | 18,973 | 17,399 | 30,051 | 22,218 | 25,817 | | Cash at End of Period | 26,155 | 18,973 | 17,399 | 30,051 | 22,218 | | | |
