| Cash Flow for S&T Bancorp Inc. (STBA) | | | | | | | Cash Flow | in Thousands of Dollars | | | 12/2007 | 12/2006 | 12/2005 | 12/2004 | 12/2003 | | | Net Income | 56,144 | 53,336 | 58,243 | 54,358 | 51,777 | | Provision for Loan Loss | 5,812 | 9,380 | 5,000 | 4,400 | 7,300 | | Depreciation & Amortization | 4,584 | 4,213 | 4,196 | 5,032 | 5,970 | | Deferred Income Taxes | (2,140) | 1,802 | 1,100 | (1,612) | (1,844) | | Change in Assets (Receivables) | (6,320) | (9,788) | (14,756) | 738 | (3,736) | | Change in Liabilities (Payables) | 9,481 | (2,529) | 1,550 | 1,261 | (3,401) | | Investment Securities Gain | (3,844) | (5,481) | (5,008) | (5,344) | (8,058) | | Net Policy Acquisition Cost | - | - | - | - | - | | Realized Investment Gains | (401) | (357) | - | - | - | | Net Premiums Receivables | - | - | - | - | - | | Change in Income Taxes | - | - | - | - | - | | Other Non-Cash Items | 526 | 660 | 1,660 | 3,409 | 2,826 | | Net Cash from Operating Activities | 63,842 | 51,236 | 51,985 | 62,242 | 50,834 | | | | Proceeds from Sale/Mat. Inv. | 82,125 | 65,761 | 72,777 | 162,204 | 279,529 | | Purchase of Investment Securities | (10,538) | (12,950) | (63,533) | (75,931) | (243,889) | | Net Increase Fed. Funds Sold | - | - | - | - | - | | Purchase of Property & Equipment | (5,392) | (9,498) | (6,495) | (4,939) | (2,284) | | Acquisitions | - | - | - | - | - | | Other Investment Changes, Net | (135,262) | (188,272) | (205,779) | (189,658) | (109,263) | | Net Cash from Investing Activities | (69,067) | (144,959) | (203,030) | (108,322) | (75,907) | | | Net Change in Deposits | 56,518 | 146,423 | 242,621 | 214,012 | 36,133 | | Cash Dividends paid | (29,790) | (30,046) | (29,342) | (28,101) | (26,726) | | Repayment of Long Term Debt | (20,920) | (45,344) | (53,417) | (30,608) | (150,305) | | Change in Short Term Debt | (7,763) | (99,808) | (35,555) | (108,636) | 112,632 | | Issuance of Long term Debt | 50,000 | 158,509 | 50,868 | - | 55,540 | | Issuance of Preferred Stock | - | - | - | - | - | | Issuance of Common Stock | 3,520 | - | - | - | - | | Purchase of Treasury Stock | (31,802) | (32,514) | (15,269) | (5,620) | (98) | | Other Financing Activities | 361 | 294 | - | - | - | | Cash from Financing Activities | 20,124 | 97,514 | 159,906 | 41,047 | 27,176 | | | | Effect of Exchange Rate Changes | - | - | - | - | - | | Net Change in Cash & Equivalents | 14,899 | 3,791 | 8,861 | (5,033) | 2,103 | | | Cash at Beginning of Period | 59,980 | 56,189 | 47,328 | 52,361 | 50,258 | | Cash at End of Period | 74,879 | 59,980 | 56,189 | 47,328 | 52,361 | | | |
