| Cash Flow for Unity Bancorp Inc. (UNTY) | | | | | | | Cash Flow | in Thousands of Dollars | | | 12/2007 | 12/2006 | 12/2005 | 12/2004 | 12/2003 | | | Net Income | 4,725 | 5,845 | 6,210 | 5,330 | 4,583 | | Provision for Loan Loss | 1,550 | 1,550 | 1,850 | 1,175 | 1,600 | | Depreciation & Amortization | 1,076 | 835 | 1,033 | 1,035 | 884 | | Deferred Income Taxes | (693) | (541) | (16) | (173) | (518) | | Change in Assets (Receivables) | (9,915) | 4,700 | - | - | - | | Change in Liabilities (Payables) | - | - | - | - | - | | Investment Securities Gain | (36) | (69) | (69) | (76) | (185) | | Net Policy Acquisition Cost | - | - | - | - | - | | Realized Investment Gains | (2,451) | (3,417) | (3,338) | (3,217) | (3,075) | | Net Premiums Receivables | - | - | - | - | - | | Change in Income Taxes | - | - | - | - | - | | Other Non-Cash Items | 1,932 | (1,689) | (3,639) | 5,327 | 358 | | Net Cash from Operating Activities | (3,812) | 7,214 | 2,031 | 9,401 | 3,647 | | | | Proceeds from Sale/Mat. Inv. | 25,412 | 21,549 | 27,531 | 37,491 | 74,574 | | Purchase of Investment Securities | (18,630) | (23,190) | (33,503) | (46,893) | (84,982) | | Net Increase Fed. Funds Sold | (1,442) | - | - | - | - | | Purchase of Property & Equipment | (1,587) | (2,049) | (2,819) | (2,305) | (537) | | Acquisitions | - | - | - | - | - | | Other Investment Changes, Net | (70,683) | (60,942) | (49,338) | (44,454) | (28,921) | | Net Cash from Investing Activities | (66,930) | (64,632) | (58,129) | (56,161) | (39,866) | | | Net Change in Deposits | 34,803 | 44,605 | 66,919 | 18,916 | 32,397 | | Cash Dividends paid | (1,377) | (1,291) | (1,079) | (859) | (162) | | Repayment of Long Term Debt | (10,000) | (10,000) | (5,000) | - | - | | Change in Short Term Debt | - | - | - | - | - | | Issuance of Long term Debt | 40,000 | 40,000 | 10,000 | 25,000 | - | | Issuance of Preferred Stock | - | - | - | - | - | | Issuance of Common Stock | 1,119 | 781 | 853 | 694 | 162 | | Purchase of Treasury Stock | (12,927) | - | (242) | - | - | | Other Financing Activities | - | - | - | - | - | | Cash from Financing Activities | 51,618 | 74,095 | 71,451 | 43,751 | 32,397 | | | | Effect of Exchange Rate Changes | - | - | - | - | - | | Net Change in Cash & Equivalents | (19,124) | 16,677 | 15,353 | (3,009) | (3,822) | | | Cash at Beginning of Period | 55,436 | 38,759 | 23,406 | 26,415 | 30,237 | | Cash at End of Period | 36,312 | 55,436 | 38,759 | 23,406 | 26,415 | | | |
