| Cash Flow for North Valley Bancorp (NOVB) | | | | | | | Cash Flow | in Thousands of Dollars | | | 12/2007 | 12/2006 | 12/2005 | 12/2004 | 12/2003 | | | Net Income | 6,534 | 10,396 | 9,149 | 8,379 | 7,971 | | Provision for Loan Loss | 2,050 | 975 | 930 | 271 | - | | Depreciation & Amortization | 2,887 | 3,080 | 3,282 | 2,665 | 3,458 | | Deferred Income Taxes | (1,906) | (1,000) | 1,156 | (156) | 566 | | Change in Assets (Receivables) | (1,043) | 678 | (2,280) | (1,554) | (3,005) | | Change in Liabilities (Payables) | 1,397 | (1,420) | 1,486 | 2,144 | (299) | | Investment Securities Gain | 1,752 | 3 | (117) | (22) | (213) | | Net Policy Acquisition Cost | - | - | - | - | - | | Realized Investment Gains | (156) | (617) | (727) | (8) | (1,917) | | Net Premiums Receivables | - | - | - | - | - | | Change in Income Taxes | - | - | - | - | - | | Other Non-Cash Items | 8 | 348 | 182 | 126 | 219 | | Net Cash from Operating Activities | 11,523 | 12,443 | 13,061 | 11,845 | 6,780 | | | | Proceeds from Sale/Mat. Inv. | 29,085 | 31,882 | 55,395 | 55,747 | 66,592 | | Purchase of Investment Securities | - | (98) | (3,462) | (60,233) | (150,033) | | Net Increase Fed. Funds Sold | (555) | (61) | (837) | (1,191) | (452) | | Purchase of Property & Equipment | (815) | (963) | (4,996) | (2,792) | (1,775) | | Acquisitions | - | - | - | - | - | | Other Investment Changes, Net | (86,432) | (34,891) | (70,223) | (96,605) | 67,606 | | Net Cash from Investing Activities | (58,717) | (4,131) | (24,123) | (105,074) | (18,062) | | | Net Change in Deposits | (13,549) | 3,598 | 35,036 | 16,981 | 43,261 | | Cash Dividends paid | (2,948) | (2,933) | (2,232) | (2,771) | (2,672) | | Repayment of Long Term Debt | - | (19,000) | (1,094) | - | (23,429) | | Change in Short Term Debt | - | - | - | - | - | | Issuance of Long term Debt | 49,692 | - | 10,310 | 43,190 | 6,186 | | Issuance of Preferred Stock | - | - | - | - | - | | Issuance of Common Stock | 1,072 | 695 | 1,109 | 521 | 396 | | Purchase of Treasury Stock | - | (5,270) | (188) | - | (8,235) | | Other Financing Activities | - | - | - | - | (2) | | Cash from Financing Activities | 34,267 | (22,910) | 42,941 | 57,921 | 15,505 | | | | Effect of Exchange Rate Changes | - | - | - | - | - | | Net Change in Cash & Equivalents | (12,927) | (14,598) | 31,879 | (35,308) | 4,223 | | | Cash at Beginning of Period | 41,496 | 56,094 | 24,215 | 59,523 | 55,300 | | Cash at End of Period | 28,569 | 41,496 | 56,094 | 24,215 | 59,523 | | | |
