Ames National Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	68.35	65.79	56.81	45.96	47.83
Interest Income on Investments	18.75	16.82	17.49	15.6	12.65
Total Interest Income	87.09	82.61	74.3	61.55	60.48
Interest Paid on Deposits	28.88	32.01	24.47	7.32	4.34
Interest Paid on Borrowings	2.55	5.62	5.21	0.99	0.14
Total Interest Expense	31.43	37.63	29.68	8.31	4.49
Net Interest Income	55.66	44.98	44.63	53.24	56
Net Interest Income Growth (YoY)	23.76%	0.79%	-16.19%	-4.92%	2.10%
Trust Income	6.27	5.31	4.65	4.94	4.45
Gain (Loss) on Sale of Investments	-	-0.93	-0.73	-0.72	-0.62
Other Non-Interest Income	3.95	4.17	4.17	4.11	4.39
Total Non-Interest Income	11.17	9.07	8.45	8.93	9.9
Non-Interest Income Growth (YoY)	23.14%	7.38%	-5.42%	-9.76%	-0.83%
Revenues Before Loan Losses	66.83	54.05	53.07	62.18	65.9
Provision for Loan Losses	1.04	0.59	0.79	-0.87	-0.76
Revenue	65.8	53.46	52.28	63.05	66.65
Revenue Growth (YoY)	23.09%	2.24%	-17.08%	-5.40%	12.70%
Salaries and Employee Benefits	26.18	25.15	23.66	22.91	22.28
Occupancy Expenses	2.99	3.01	2.97	2.95	2.66
Federal Deposit Insurance	1.03	1.16	1.1	0.61	0.58
Amortization of Goodwill & Intangibles	0.3	0.34	0.5	0.57	0.63
Selling, General & Administrative	9.37	10.13	9.43	9.47	8.68
Other Non-Interest Expense	2.06	1.43	1.74	1.39	1.15
Total Non-Interest Expense	41.93	41.21	39.4	37.89	35.98
EBT Excluding Unusual Items	23.87	12.24	12.89	25.16	30.67
Pretax Income	23.87	12.24	12.89	25.16	30.67
Income Tax Expense	4.84	2.02	2.07	5.87	6.76
Net Income	19.03	10.22	10.82	19.29	23.91
Net Income to Common	19.03	10.22	10.82	19.29	23.91
Net Income Growth	86.21%	-5.54%	-43.93%	-19.32%	26.86%
Basic Shares Outstanding	9	9	9	9	9
Diluted Shares Outstanding	9	9	9	9	9
Shares Change (YoY)	-1.07%	-0.01%	-0.46%	-0.89%	-0.37%
EPS (Basic)	2.14	1.14	1.20	2.14	2.62
EPS (Diluted)	2.14	1.14	1.20	2.14	2.62
EPS Growth	88.22%	-5.53%	-43.68%	-18.60%	27.33%
Dividend Per Share	0.600	0.940	1.080	1.080	1.040
Dividend Growth	-36.17%	-12.96%	-	3.85%	4.00%
Effective Tax Rate	20.28%	16.53%	16.08%	23.32%	22.04%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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