United Tennessee Bankshares, Inc. (UNTN)

UNTN Cash Flow Statement

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

Fiscal Year	FY 2005	FY 2004	FY 2003	FY 2002	FY 2001
Period Ending	Dec 31, 2005	Dec 31, 2004	Dec 31, 2003	Dec 31, 2002	Dec 31, 2001
Net Income	-	1.64	1.67	1.76	1.11
Depreciation & Amortization	-	0.17	0.18	0.17	0.14
Gain (Loss) on Sale of Assets	-	-0.01	0.01	0.01	0.02
Gain (Loss) on Sale of Investments	-	0.05	0.04	0.04	0.04
Provision for Credit Losses	-	0.1	0.14	0.13	0.11
Accrued Interest Receivable	-	-0.01	0.11	-0.07	0
Change in Income Taxes	-	-	-	-0	0
Change in Other Net Operating Assets	-	0.45	0.29	0.04	0.16
Other Operating Activities	-	-0.25	-0.17	-0.06	-0.04
Operating Cash Flow	-	2.2	2.24	2.02	1.41
Operating Cash Flow Growth	-	-1.51%	10.80%	42.96%	74.06%
Capital Expenditures	-	-0.8	-0.13	-0.57	-0.09
Investment in Securities	-	-5.7	-5.15	-0.46	0.16
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-1.38	0.31	-6.48	-3.48
Other Investing Activities	-	0.34	-1.46	0.03	0
Investing Cash Flow	-	-7.54	-6.42	-7.47	-3.41
Long-Term Debt Issued	-	1	-	-	-
Total Debt Issued	-	1	-	-	-
Long-Term Debt Repaid	-	-	-	-	-1.75
Total Debt Repaid	-	-	-	-	-1.75
Net Debt Issued (Repaid)	-	1	-	-	-1.75
Issuance of Common Stock	-	0.38	0.19	0.32	0.34
Repurchase of Common Stock	-	-0.19	-0.14	-0.16	-0.38
Common Dividends Paid	-	-0.44	-0.42	-0.4	-0.41
Net Increase (Decrease) in Deposit Accounts	-	2.81	4.36	8.94	3.2
Other Financing Activities	-	0.03	0.05	-0.01	0.07
Financing Cash Flow	-	3.59	4.03	8.68	1.05
Net Cash Flow	-	-1.75	-0.15	3.23	-0.94
Free Cash Flow	-	1.4	2.11	1.45	1.32
Free Cash Flow Growth	-	-33.69%	45.24%	9.83%	66.17%
Free Cash Flow Margin	-	24.82%	37.25%	27.02%	32.47%
Free Cash Flow Per Share	-	1.24	1.91	1.34	0.98
Cash Interest Paid	-	1.59	1.73	2.15	3.75
Cash Income Tax Paid	-	0.81	1.01	1.03	0.48

Source: S&P Capital IQ. Banks template. Financial Sources.