For the quarter ending 2025-09-30, ATLO had $12,950K increase in cash & cash equivalents over the period. $2,650K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 4,559 | 7,954 |
| Credit loss expense for loans | 635 | 1,069 |
| Credit loss benefit for off-balance sheet credit exposures | -8 | 1 |
| Amortization of securities available-for-sale and loans, net | 45 | -194 |
| Amortization of intangible assets | 77 | 154 |
| Depreciation | 332 | 638 |
| Provision for deferred income taxes | 189 | -56 |
| Securities losses, net | 0 | 0 |
| Increase in cash value of bank-owned life insurance | 23 | 42 |
| Gain on sales of loans held for sale | 170 | 225 |
| Proceeds from loans held for sale | 7,575 | 11,382 |
| Originations of loans held for sale | 7,952 | 11,156 |
| Amortization of investment in new markets tax credit projects | 192 | 383 |
| Gain on other real estate owned, net | 0 | 0 |
| (increase) in accrued income receivable | 2,835 | -1,698 |
| (increase) decrease in other assets | -29 | 233 |
| (decrease) in accrued interest payable | 13 | -736 |
| Increase in accrued expenses and other liabilities | 561 | -6 |
| Net cash provided by operating activities | 2,751 | 11,131 |
| Change in interest-bearing time deposits | -1,240 | 752 |
| Purchase of securities available-for-sale | 26,657 | 57,915 |
| Proceeds from sale of securities available-for-sale | 0 | 0 |
| Proceeds from maturities and calls of securities available-for-sale | 27,149 | 78,489 |
| Purchase of fhlb stock | 2,694 | 1,703 |
| Proceeds from the redemption of fhlb and frb stock | 2,969 | 2,420 |
| Net (increase) decrease in loans | 3,168 | 23,054 |
| Net proceeds from the sale of other real estate owned | 0 | 89 |
| Purchase of premises and equipment | 101 | 310 |
| Net cash provided by investing activities | 5,074 | 43,372 |
| (decrease) in deposits | 13,614 | -27,477 |
| (decrease) in securities sold under agreements to repurchase | 562 | -12,351 |
| Payments on other borrowings | 1,150 | 19,100 |
| Proceeds from other borrowings | 0 | 2,800 |
| Net (payments on) fhlb short-term borrowings | -6,000 | 0 |
| Dividends paid | 1,779 | 3,562 |
| Stock repurchases | 122 | 829 |
| Net cash used in financing activities | 5,125 | -60,519 |
| Net increase in cash and cash equivalents | 12,950 | -6,016 |
| Cash and cash equivalents at beginning of period | 101,227 | - |
| Cash and cash equivalents at end of period | 108,161 | - |
AMES NATIONAL CORP (ATLO)
AMES NATIONAL CORP (ATLO)