Harbor Bankshares Corporation (HRBK)

Harbor Bankshares Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Operating Activities

Fiscal Year	TTM	FY 2005	FY 2004	FY 2003	FY 2002	FY 2001
Period Ending	Sep 30, 2006	Dec 31, 2005	Dec 31, 2004	Dec 31, 2003	Dec 31, 2002	Dec 31, 2001
Net Income	1.88	1.88	1.46	1.79	1.08	0.73
Depreciation & Amortization	0.97	0.76	0.49	0.4	0.49	0.94
Gain (Loss) on Sale of Investments	-	-	-0.02	-0.23	-0.23	-0.2
Provision for Credit Losses	0.26	0.41	0.36	0.76	0.34	0.4
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.6	-	0.01	0.05	0.05	0.05
Accrued Interest Receivable	-1.15	0.72	-0.29	-0.15	-1.24	0.26
Change in Other Net Operating Assets	-0.15	-0.15	-0.17	-	-	-
Other Operating Activities	-0.32	-0.32	0.04	-0.16	-0.09	-0.32
Operating Cash Flow	2.52	4.13	2.52	2.71	0.42	1.64
Operating Cash Flow Growth	-32.77%	64.21%	-7.23%	539.55%	-74.19%	102.20%

Investing Activities

Fiscal Year	TTM	FY 2005	FY 2004	FY 2003	FY 2002	FY 2001
Period Ending	Sep 30, 2006	Dec 31, 2005	Dec 31, 2004	Dec 31, 2003	Dec 31, 2002	Dec 31, 2001
Capital Expenditures	-1.2	-3.07	-1.83	-3.15	-0.43	-0.24
Investment in Securities	0.01	3.29	9.28	18.25	-4.36	4.57
Net Decrease (Increase) in Loans Originated / Sold - Investing	-6.96	-16.3	-22.48	-29.94	-14.9	5.59
Investing Cash Flow	-8.15	-16.08	-15.03	-14.77	-19.75	9.94

Financing Activities

Fiscal Year	TTM	FY 2005	FY 2004	FY 2003	FY 2002	FY 2001
Period Ending	Sep 30, 2006	Dec 31, 2005	Dec 31, 2004	Dec 31, 2003	Dec 31, 2002	Dec 31, 2001
Long-Term Debt Issued	-	-	-	6.79	-	-
Total Debt Issued	-3	-	-	6.79	-	-
Short-Term Debt Repaid	-	-	-	-	-	-2
Long-Term Debt Repaid	-	-	-	-1.94	-0.06	-
Total Debt Repaid	-	-	-	-1.94	-0.06	-2
Net Debt Issued (Repaid)	-3	-	-	4.85	-0.06	-2
Issuance of Common Stock	0	0.17	0.01	0.01	-	0.49
Repurchase of Common Stock	-0.25	-0.78	-	-	-	-
Common Dividends Paid	-0.34	-0.28	-0.25	-0.18	-0	-
Net Increase (Decrease) in Deposit Accounts	11.08	19.62	14.32	2.61	21.76	2.25
Financing Cash Flow	7.49	18.74	14.08	7.28	21.7	0.74

Net Cash Flow

Fiscal Year	TTM	FY 2005	FY 2004	FY 2003	FY 2002	FY 2001
Period Ending	Sep 30, 2006	Dec 31, 2005	Dec 31, 2004	Dec 31, 2003	Dec 31, 2002	Dec 31, 2001
Net Cash Flow	1.85	6.79	1.57	-4.78	2.38	12.32

Free Cash Flow

Fiscal Year	TTM	FY 2005	FY 2004	FY 2003	FY 2002	FY 2001
Period Ending	Sep 30, 2006	Dec 31, 2005	Dec 31, 2004	Dec 31, 2003	Dec 31, 2002	Dec 31, 2001
Free Cash Flow	1.32	1.06	0.69	-0.44	-0.01	1.41
Free Cash Flow Growth	334.71%	54.73%	-	-	-	238.51%
Free Cash Flow Margin	9.88%	8.44%	5.96%	-4.15%	-0.06%	15.06%
Free Cash Flow Per Share	1.82	1.44	0.91	-0.58	-0.01	1.91

Additional Metrics

Fiscal Year	TTM	FY 2005	FY 2004	FY 2003	FY 2002	FY 2001
Period Ending	Sep 30, 2006	Dec 31, 2005	Dec 31, 2004	Dec 31, 2003	Dec 31, 2002	Dec 31, 2001
Cash Interest Paid	3.46	3.46	2.16	2.32	3.62	6.03
Cash Income Tax Paid	1.08	1.08	0.83	0.68	0.5	0.31

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2006

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jul 31, 2026

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