ATLO— AMES NATIONAL CORP

FinancialsBanking$275M mkt cap

Metric	FY2025	FY2024	FY2023	FY2022
Loans, including fees	$68.3M+3.9%	$65.8M+15.8%	$56.8M+23.6%	$46.0M
Taxable	$13.0M+7.8%	$12.0M-5.2%	$12.7M+4.7%	$12.1M
Tax-exempt	$1.7M-13.4%	$2.0M-13.0%	$2.3M-11.7%	$2.6M
Other interest and dividend income	$4.1M+44.7%	$2.8M+11.2%	$2.5M+180.2%	$901K
Total interest and dividend income	$87.1M+5.4%	$82.6M+11.2%	$74.3M+20.7%	$61.6M
Deposits	$28.9M-9.8%	$32.0M+30.8%	$24.5M+234.5%	$7.3M
Other borrowed funds	$2.6M-54.6%	$5.6M+8.0%	$5.2M+424.2%	$993K
Total interest expense	$31.4M-16.5%	$37.6M+26.8%	$29.7M+257.2%	$8.3M
Net interest income	$55.7M+23.8%	$45.0M+0.8%	$44.6M-16.2%	$53.2M
Credit loss expense	$1.0M+75.2%	$592K-25.0%	$789K+190.3%	-$874K
Net interest income after credit loss expense	$54.6M+23.1%	$44.4M+1.3%	$43.8M-19.0%	$54.1M
Securities (losses), net	$0+100.0%	-$165K-571.4%	$35K-5.4%	$37K
Gain on sale of loans held for sale	$544K+3.8%	$524K+44.8%	$362K-40.3%	$606K
Other noninterest income	$1.4M+26.6%	$1.1M-6.7%	$1.2M+23.1%	$938K
Total noninterest income	$11.2M+13.6%	$9.8M+6.7%	$9.2M-4.9%	$9.7M
Salaries and employee benefits	$26.2M+4.1%	$25.1M+6.3%	$23.7M+3.3%	$22.9M
Data processing	$5.8M-6.0%	$6.2M+2.8%	$6.0M-2.7%	$6.2M
Occupancy expenses, net	$3.0M-0.5%	$3.0M+1.4%	$3.0M+0.7%	$2.9M
FDIC insurance assessments	$1.0M-11.9%	$1.2M+6.3%	$1.1M+80.1%	$608K
Professional fees	$2.1M-20.0%	$2.6M+25.2%	$2.1M+10.2%	$1.9M
Business development	$1.5M+9.8%	$1.4M+1.0%	$1.4M-4.7%	$1.4M
Intangible asset amortization	$301K-10.7%	$337K-32.9%	$502K-12.5%	$574K
New Markets Tax Credit projects amortization	$766K+0.0%	$766K-0.1%	$767K+1.6%	$755K
Other operating expenses, net	$1.3M-9.4%	$1.4M-17.9%	$1.7M+25.8%	$1.4M
Total noninterest expense	$41.9M-0.1%	$42.0M+4.5%	$40.2M+3.9%	$38.6M
Income before income taxes	$23.9M+95.0%	$12.2M-5.0%	$12.9M-48.8%	$25.2M
Income tax (benefit)	$4.8M+139.2%	$2.0M-2.4%	$2.1M-64.7%	$5.9M
Net income	$19.0M+86.2%	$10.2M-5.5%	$10.8M-43.9%	$19.3M
Basic EPS (in dollars per share)	$2140.00+87.7%	$1140.00-5.0%	$1200.00-43.9%	$2140.00
Fiduciary and Trust [Member]
Noninterest income	$6.3M+18.1%	$5.3M+14.2%	$4.6M-5.9%	$4.9M
Financial Service [Member]
Credit and Debit Card [Member]

Source: SEC EDGAR XBRL. % change vs prior period shown where available.

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Source: SEC EDGAR 10-K and 10-Q filings. Last 4 years annual and quarterly free, full history (up to 20 years) on Pro.