| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 12,513 | 7,954 |
| Credit loss expense for loans | 1,704 | 1,069 |
| Credit loss benefit for off-balance sheet credit exposures | -7 | 1 |
| Amortization of securities available-for-sale and loans, net | -149 | -194 |
| Amortization of intangible assets | 231 | 154 |
| Depreciation | 970 | 638 |
| Provision for deferred income taxes | 133 | -56 |
| Securities losses, net | 0 | 0 |
| Increase in cash value of bank-owned life insurance | 65 | 42 |
| Gain on sales of loans held for sale | 395 | 225 |
| Proceeds from loans held for sale | 18,957 | 11,382 |
| Originations of loans held for sale | 19,108 | 11,156 |
| Amortization of investment in new markets tax credit projects | 575 | 383 |
| Gain on other real estate owned, net | 0 | 0 |
| (increase) in accrued income receivable | 1,137 | -1,698 |
| (increase) decrease in other assets | 204 | 233 |
| (decrease) in accrued interest payable | -723 | -736 |
| Increase in accrued expenses and other liabilities | 555 | -6 |
| Net cash provided by operating activities | 13,882 | 11,131 |
| Change in interest-bearing time deposits | -488 | 752 |
| Purchase of securities available-for-sale | 84,572 | 57,915 |
| Proceeds from sale of securities available-for-sale | 0 | 0 |
| Proceeds from maturities and calls of securities available-for-sale | 105,638 | 78,489 |
| Purchase of fhlb stock | 4,397 | 1,703 |
| Proceeds from the redemption of fhlb and frb stock | 5,389 | 2,420 |
| Net (increase) decrease in loans | 26,222 | 23,054 |
| Net proceeds from the sale of other real estate owned | 89 | 89 |
| Purchase of premises and equipment | 411 | 310 |
| Net cash provided by investing activities | 48,446 | 43,372 |
| (decrease) in deposits | -13,863 | -27,477 |
| (decrease) in securities sold under agreements to repurchase | -11,789 | -12,351 |
| Payments on other borrowings | 20,250 | 19,100 |
| Proceeds from other borrowings | 2,800 | 2,800 |
| Net (payments on) fhlb short-term borrowings | -6,000 | 0 |
| Dividends paid | 5,341 | 3,562 |
| Stock repurchases | 951 | 829 |
| Net cash used in financing activities | -55,394 | -60,519 |
| Net increase in cash and cash equivalents | 6,934 | -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)