| Cash Flow for Old Second Bancorp Inc. (OSBC) | | | | | | | Cash Flow | in Thousands of Dollars | | | 12/2007 | 12/2006 | 12/2005 | 12/2004 | 12/2003 | | | Net Income | 23,972 | 23,656 | 27,683 | 26,287 | 22,108 | | Provision for Loan Loss | 1,188 | 1,244 | 353 | (2,900) | 3,251 | | Depreciation & Amortization | 6,581 | 7,531 | 7,232 | 7,124 | 7,269 | | Deferred Income Taxes | (664) | (459) | 1,075 | 1,125 | - | | Change in Assets (Receivables) | (6,320) | 394 | (9,442) | (2,234) | (2,159) | | Change in Liabilities (Payables) | (6,650) | 8,439 | 42 | 1,606 | (2,384) | | Investment Securities Gain | (674) | (418) | 14 | (512) | (140) | | Net Policy Acquisition Cost | - | - | - | - | - | | Realized Investment Gains | (4,391) | (3,647) | - | - | - | | Net Premiums Receivables | - | - | (3,275) | (5,312) | - | | Change in Income Taxes | 155 | 649 | (471) | 1,357 | 993 | | Other Non-Cash Items | 685 | 209 | (12,855) | (16,479) | 34,266 | | Net Cash from Operating Activities | 13,882 | 37,598 | 10,356 | 10,062 | 63,204 | | | | Proceeds from Sale/Mat. Inv. | 214,257 | 169,125 | 158,354 | 164,733 | 244,261 | | Purchase of Investment Securities | (294,415) | (170,679) | (195,936) | (214,275) | (274,165) | | Net Increase Fed. Funds Sold | (164) | (365) | - | - | - | | Purchase of Property & Equipment | (6,508) | (9,916) | (9,792) | (6,240) | (5,918) | | Acquisitions | - | - | - | - | - | | Other Investment Changes, Net | (127,751) | (59,342) | (196,076) | (188,781) | (258,922) | | Net Cash from Investing Activities | (214,581) | (71,177) | (243,450) | (244,563) | (294,744) | | | Net Change in Deposits | 50,925 | 127,415 | 136,429 | 274,215 | 133,973 | | Cash Dividends paid | (7,294) | (7,230) | (6,740) | (5,901) | (5,639) | | Repayment of Long Term Debt | (21,175) | - | - | - | - | | Change in Short Term Debt | 135,887 | (64,142) | 12,383 | (32,866) | 85,250 | | Issuance of Long term Debt | 49,134 | 13,225 | 96,539 | 2,200 | 30,716 | | Issuance of Preferred Stock | - | - | - | - | - | | Issuance of Common Stock | 466 | 616 | 936 | 347 | 786 | | Purchase of Treasury Stock | (31,239) | (13,181) | - | - | (31,442) | | Other Financing Activities | 209 | 286 | - | - | - | | Cash from Financing Activities | 176,913 | 56,989 | 239,547 | 237,995 | 213,644 | | | | Effect of Exchange Rate Changes | - | - | - | - | - | | Net Change in Cash & Equivalents | (23,786) | 23,410 | 6,453 | 3,494 | (17,896) | | | Cash at Beginning of Period | 88,525 | 65,115 | 58,662 | 55,168 | 73,064 | | Cash at End of Period | 64,739 | 88,525 | 65,115 | 58,662 | 55,168 | | | |
