| Cash Flow for NCAL Bancorp (NCAL) | | | | | | | Cash Flow | in Thousands of Dollars | | | 12/2006 | 12/2005 | 12/2004 | 12/2003 | 12/2002 | | | Net Income | 5,654 | 3,956 | 2,378 | 1,570 | 603 | | Provision for Loan Loss | 450 | 350 | 1,550 | 150 | 1,000 | | Depreciation & Amortization | 867 | 722 | 234 | 684 | 1,439 | | Deferred Income Taxes | (317) | (505) | (5) | (43) | (250) | | Change in Assets (Receivables) | (7,309) | (1,014) | (1,226) | (635) | (219) | | Change in Liabilities (Payables) | 594 | 1,558 | (672) | 306 | 120 | | Investment Securities Gain | - | - | - | - | (6) | | Net Policy Acquisition Cost | - | - | - | - | - | | Realized Investment Gains | - | (570) | (1,794) | (734) | (564) | | Net Premiums Receivables | - | - | - | - | - | | Change in Income Taxes | - | - | - | - | - | | Other Non-Cash Items | 74 | 3,401 | 15,621 | 13,175 | 7,285 | | Net Cash from Operating Activities | 12 | 7,896 | 16,086 | 14,473 | 9,410 | | | | Proceeds from Sale/Mat. Inv. | 5,772 | 5,912 | 4,939 | 3,927 | 5,720 | | Purchase of Investment Securities | (4,511) | (12,634) | (5,910) | (13,165) | (3,883) | | Net Increase Fed. Funds Sold | - | - | - | - | - | | Purchase of Property & Equipment | (510) | (798) | (702) | (347) | (607) | | Acquisitions | - | - | - | - | - | | Other Investment Changes, Net | (38,635) | (13,320) | (58,043) | (26,587) | (32,702) | | Net Cash from Investing Activities | (37,884) | (20,839) | (59,716) | (36,171) | (31,471) | | | Net Change in Deposits | 44,543 | 3,814 | 28,794 | 50,021 | 18,960 | | Cash Dividends paid | - | - | - | - | - | | Repayment of Long Term Debt | (22,000) | - | - | (5,000) | (1,000) | | Change in Short Term Debt | - | - | - | - | - | | Issuance of Long term Debt | 8,000 | 12,000 | 7,000 | - | - | | Issuance of Preferred Stock | - | - | - | - | - | | Issuance of Common Stock | 51 | 128 | - | 12 | 150 | | Purchase of Treasury Stock | - | - | - | - | (386) | | Other Financing Activities | - | - | - | - | - | | Cash from Financing Activities | 30,594 | 15,942 | 35,794 | 45,033 | 17,723 | | | | Effect of Exchange Rate Changes | - | - | - | - | - | | Net Change in Cash & Equivalents | (7,277) | 2,999 | (7,836) | 23,335 | (4,338) | | | Cash at Beginning of Period | 30,296 | 27,297 | 35,134 | 11,799 | 16,137 | | Cash at End of Period | 23,019 | 30,296 | 27,297 | 35,134 | 11,799 | | | |
