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Cash Flow Overview

Change in Cash
-$10,907K
Free Cash flow
$3,163K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from maturities and cal...
    • Net decrease in loans
    • Proceeds from loans held for sal...
    • Others
Negative Cash Flow Breakdown
    • Purchase of securities available...
    • (decrease) in deposits
    • Originations of loans held for s...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
5,931
5,960
6,514
4,559
Credit loss expense (benefit) for loans
143
-310
-708
635
Credit loss expense for off-balance sheet credit exposures
65
-37
48
-8
Amortization (accretion) of securities available-for-sale and loans, net
462
324
186
45
Amortization of intangible assets
68
69
70
77
Depreciation
316
315
319
332
Provision for deferred income taxes
-112
13
-83
189
Securities losses, net
0
-6
0
0
Increase in cash value of bank-owned life insurance
23
23
24
23
Gain on sales of loans held for sale
155
140
149
170
Proceeds from loans held for sale
8,885
9,192
9,012
7,575
Originations of loans held for sale
9,008
9,194
8,447
7,952
Amortization of investment in new markets tax credit projects
17
17
191
192
Gain on other real estate owned, net
6
2
407
0
Decrease in accrued income receivable
-186
-969
-934
2,835
Decrease (increase) in other assets
-192
-19
110
-29
(decrease) in accrued interest payable
71
-344
77
13
(decrease) in accrued expenses and other liabilities
-2,896
2,201
240
561
Net cash provided by operating activities
3,436
8,361
7,457
2,751
Change in interest-bearing time deposits
-246
-250
0
-1,240
Purchase of securities available-for-sale
48,163
70,360
34,555
26,657
Proceeds from sale of securities available-for-sale
0
491
0
0
Proceeds from maturities and calls of securities available-for-sale
44,432
31,829
33,737
27,149
Purchase of fhlb stock
204
21
245
2,694
Proceeds from the redemption of fhlb and frb stock
219
149
341
2,969
Net decrease in loans
13,711
15,600
-6,319
3,168
Net proceeds from the sale of other real estate owned
218
127
3,038
0
Purchase of premises and equipment
273
405
231
101
Net cash provided by (used in) investing activities
10,186
-22,340
-4,234
5,074
(decrease) in deposits
-14,826
12,726
21,848
13,614
(decrease) in securities sold under agreements to repurchase
-5,828
-2,073
-1,824
562
Payments on other borrowings
1,750
150
2,150
1,150
Proceeds from other borrowings
0
0
0
0
Net (payments on) fhlb short-term borrowings
0
-3,000
0
-6,000
Dividends paid
2,125
2,126
1,772
1,779
Stock repurchases
0
0
733
122
Net cash used in financing activities
-24,529
5,377
15,369
5,125
Net (decrease) in cash and cash equivalents
-10,907
-8,602
18,592
12,950
Beginning
118,151
126,753
108,161
101,227
Ending
107,244
118,151
126,753
108,161
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Proceeds from maturitiesand calls of...$44,432K (-43.39%↓ Y/Y)Proceeds from loans heldfor sale$8,885K (-21.94%↓ Y/Y)Net decrease inloans$13,711K (-40.53%↓ Y/Y)Change ininterest-bearing time deposits-$246K (-132.71%↓ Y/Y)Proceeds from theredemption of fhlb and frb...$219K (-90.95%↓ Y/Y)Net proceeds fromthe sale of other...$218K (144.94%↑ Y/Y)Net income$5,931K (-25.43%↓ Y/Y)Depreciation$316K (-50.47%↓ Y/Y)Decrease (increase) inother assets-$192K (-182.40%↓ Y/Y)Decrease in accruedincome receivable-$186K (89.05%↑ Y/Y)Credit loss expense(benefit) for loans$143K (-86.62%↓ Y/Y)Provision for deferredincome taxes-$112K (-100.00%↓ Y/Y)(decrease) in accruedinterest payable$71K (109.65%↑ Y/Y)Amortization of intangibleassets$68K (-55.84%↓ Y/Y)Credit loss expense foroff-balance sheet credit...$65K (6400.00%↑ Y/Y)Amortization of investment innew markets tax...$17K (-95.56%↓ Y/Y)Net cash provided by(used in) investing...$10,186K (-76.51%↓ Y/Y)Net cash provided byoperating activities$3,436K (-69.13%↓ Y/Y)Canceled cashflow$48,640K Canceled cashflow$12,550K Net (decrease) incash and cash...-$10,907K (-81.30%↓ Y/Y)Canceled cashflow$13,622K Purchase of securitiesavailable-for-sale$48,163K (-16.84%↓ Y/Y)Purchase of premises andequipment$273K (-11.94%↓ Y/Y)Purchase of fhlb stock$204K (-88.02%↓ Y/Y)Originations of loans held forsale$9,008K (-19.25%↓ Y/Y)(decrease) in accruedexpenses and other...-$2,896K (-48166.67%↓ Y/Y)Amortization (accretion) ofsecurities...$462K (338.14%↑ Y/Y)Gain on sales of loansheld for sale$155K (-31.11%↓ Y/Y)Increase in cash value ofbank-owned life insurance$23K (-45.24%↓ Y/Y)Gain on other realestate owned, net$6K Net cash used infinancing activities-$24,529K (59.47%↑ Y/Y)(decrease) in deposits-$14,826K (46.04%↑ Y/Y)(decrease) in securitiessold under...-$5,828K (52.81%↑ Y/Y)Dividends paid$2,125K (-40.34%↓ Y/Y)Payments on otherborrowings$1,750K (-90.84%↓ Y/Y)

AMES NATIONAL CORP (ATLO)

AMES NATIONAL CORP (ATLO)