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
Net Interest Income	55.66	44.98	44.63	53.24	56
Net Interest Income Growth	23.76%	0.79%	-16.19%	-4.92%	2.10%
Non-Interest Income	11.17	9.84	9.22	9.69	10.54
Non-Interest Income Growth	13.55%	6.75%	-4.87%	-8.07%	-0.78%
Revenues Before Loan Losses	66.83	54.81	53.84	62.93	66.53
Provision for Credit Losses	1.04	0.59	0.79	-0.87	-0.76
Revenue	65.8	54.22	53.05	63.81	67.29
Revenue Growth (YoY)	21.35%	2.21%	-16.85%	-5.18%	12.56%
Compensation Expenses	26.18	25.15	23.66	22.91	22.28
Selling, General & Admin	13.69	14.64	13.99	13.6	12.55
Other Non-Interest Expenses	2.06	2.2	2.51	2.14	1.79
Total Non-Interest Expense	41.93	41.98	40.16	38.64	36.62
Pretax Income	23.87	12.24	12.89	25.16	30.67
Provision for Income Taxes	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%
Shares Outstanding (Basic)	9	9	9	9	9
Shares Outstanding (Diluted)	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	87.72%	-5.00%	-43.92%	-18.32%	27.18%
Free Cash Flow	20.7	14	14.31	18.37	28.6
Free Cash Flow Growth	47.83%	-2.18%	-22.10%	-35.75%	0.47%
Free Cash Flow Per Share	2.33	1.56	1.59	2.03	3.14
Dividends Per Share	0.600	0.940	1.080	1.080	1.040
Dividend Growth	-36.17%	-12.96%	-	3.85%	4.00%
Profit Margin	28.92%	18.85%	20.39%	30.29%	35.53%
FCF Margin	31.46%	25.82%	26.98%	28.84%	42.48%
EBITDA	1.55	2.54	3.28	4.13	4.63
EBITDA Margin	2.36%	4.68%	6.18%	6.49%	6.88%
Effective Tax Rate	20.28%	16.53%	16.08%	23.32%	22.04%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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