For the year ending 2025-12-31, ATLO had $25,526K increase in cash & cash equivalents over the period. $20,697K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 19,027 |
| Credit loss expense for loans | 996 |
| Credit loss expense (benefit) for off-balance sheet credit exposures | 41 |
| Amortization of securities available-for-sale, loans and deposits, net | 37 |
| Amortization of intangible assets | 301 |
| Depreciation | 1,289 |
| Provision for deferred income taxes | 50 |
| Securities losses, net | 0 |
| Increase in cash value of bank-owned life insurance | 89 |
| Gain on sales of loans held for sale | 544 |
| Proceeds from the sales of loans held for sale | 27,969 |
| Originations of loans held for sale | 27,555 |
| Amortization of investment in new markets tax credit projects | 766 |
| Gain on other real estate owned, net | 407 |
| (increase) in accrued income receivable | 203 |
| (increase) decrease in other assets | 314 |
| (decrease) in accrued interest payable | -646 |
| Increase in accrued expenses and other liabilities | 795 |
| Net cash provided by operating activities | 21,339 |
| Change in interest-bearing time deposits | -488 |
| Purchase of securities available-for-sale | 119,127 |
| Proceeds from sale of securities available-for-sale | 0 |
| Proceeds from maturities and calls of securities available-for-sale | 139,375 |
| Purchase of fhlb stock | 4,642 |
| Proceeds from the redemption of fhlb and frb stock | 5,730 |
| Net (increase) decrease in loans | 19,903 |
| Net proceeds from the sale of other real estate owned | 3,127 |
| Purchase of premises and equipment | 642 |
| Net cash provided by investing activities | 44,212 |
| Increase in deposits | 7,985 |
| (decrease) in securities sold under agreements to repurchase | -13,613 |
| Payments on other borrowings | 22,400 |
| Proceeds from other borrowings | 2,800 |
| Net (payments on) fhlb short-term borrowings | -6,000 |
| Dividends paid | 7,113 |
| Stock repurchases | 1,684 |
| Net cash (used in) financing activities | -40,025 |
| Net increase in cash and cash equivalents | 25,526 |
| Beginning | 101,227 |
| Ending | 126,753 |
AMES NATIONAL CORP (ATLO)
AMES NATIONAL CORP (ATLO)