For the quarter ending 2026-03-31, ATLO had -$8,602K decrease in cash & cash equivalents over the period. $7,956K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 5,960 | 6,514 | 4,559 | 7,954 |
| Credit loss expense (benefit) for loans | -310 | -708 | 635 | 1,069 |
| Credit loss (benefit) for off-balance sheet credit exposures | -37 | 48 | -8 | 1 |
| Amortization (accretion) of securities available-for-sale and loans, net | 324 | 186 | 45 | -194 |
| Amortization of intangible assets | 69 | 70 | 77 | 154 |
| Depreciation | 315 | 319 | 332 | 638 |
| Provision for deferred income taxes | 13 | -83 | 189 | -56 |
| Securities losses, net | -6 | 0 | 0 | 0 |
| Increase in cash value of bank-owned life insurance | 23 | 24 | 23 | 42 |
| Gain on sales of loans held for sale | 140 | 149 | 170 | 225 |
| Proceeds from loans held for sale | 9,192 | 9,012 | 7,575 | 11,382 |
| Originations of loans held for sale | 9,194 | 8,447 | 7,952 | 11,156 |
| Amortization of investment in new markets tax credit projects | 17 | 191 | 192 | 383 |
| Gain on other real estate owned, net | 2 | 407 | 0 | 0 |
| Decrease in accrued income receivable | -969 | -934 | 2,835 | -1,698 |
| Decrease (increase) in other assets | -19 | 110 | -29 | 233 |
| (decrease) in accrued interest payable | -344 | 77 | 13 | -736 |
| Increase in accrued expenses and other liabilities | 2,201 | 240 | 561 | -6 |
| Net cash provided by operating activities | 8,361 | 7,457 | 2,751 | 11,131 |
| Change in interest-bearing time deposits | -250 | 0 | -1,240 | 752 |
| Purchase of securities available-for-sale | 70,360 | 34,555 | 26,657 | 57,915 |
| Proceeds from sale of securities available-for-sale | 491 | 0 | 0 | 0 |
| Proceeds from maturities and calls of securities available-for-sale | 31,829 | 33,737 | 27,149 | 78,489 |
| Purchase of fhlb stock | 21 | 245 | 2,694 | 1,703 |
| Proceeds from the redemption of fhlb and frb stock | 149 | 341 | 2,969 | 2,420 |
| Net (increase) decrease in loans | 15,600 | -6,319 | 3,168 | 23,054 |
| Net proceeds from the sale of other real estate owned | 127 | 3,038 | 0 | 89 |
| Purchase of premises and equipment | 405 | 231 | 101 | 310 |
| Net cash provided by (used in) investing activities | -22,340 | -4,234 | 5,074 | 43,372 |
| Increase in deposits | 12,726 | 21,848 | 13,614 | -27,477 |
| (decrease) in securities sold under agreements to repurchase | -2,073 | -1,824 | 562 | -12,351 |
| Payments on other borrowings | 150 | 2,150 | 1,150 | 19,100 |
| Proceeds from other borrowings | 0 | 0 | 0 | 2,800 |
| Net (payments on) fhlb short-term borrowings | -3,000 | 0 | -6,000 | 0 |
| Dividends paid | 2,126 | 1,772 | 1,779 | 3,562 |
| Stock repurchases | 0 | 733 | 122 | 829 |
| Net cash provided by financing activities | 5,377 | 15,369 | 5,125 | -60,519 |
| Net increase (decrease) in cash and cash equivalents | -8,602 | 18,592 | 12,950 | -6,016 |
| Beginning | 126,753 | -6,934 | 101,227 | - |
| Ending | 118,151 | 18,592 | 108,161 | - |
AMES NATIONAL CORP (ATLO)
AMES NATIONAL CORP (ATLO)