Ames National Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	10.22	10.82	19.29	23.91
Depreciation & Amortization	1.69	1.75	2.31	2.03
Gain (Loss) on Sale of Assets	-0.01	-	-0.08	-0.19
Gain (Loss) on Sale of Investments	1.78	2.26	2.85	3.22
Provision for Credit Losses	0.74	0.77	-0.87	-0.76
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.31	0.39	0.45	3.29
Accrued Interest Receivable	-0.91	-1.68	-1.15	1.02
Change in Other Net Operating Assets	2.76	0.51	-2.24	-1.02
Other Operating Activities	-0.24	0.7	1.27	0.64
Operating Cash Flow	14.3	19.21	21.23	30.47
Operating Cash Flow Growth	-25.55%	-9.53%	-30.32%	2.55%
Capital Expenditures	-0.3	-4.89	-2.86	-1.87
Sale of Property, Plant and Equipment	-	-	0.13	-
Investment in Securities	99.75	75.33	-42.93	-253.26
Net Decrease (Increase) in Loans Originated / Sold - Investing	-26.76	-52.9	-80.53	-13.92
Other Investing Activities	-0.8	1.53	-1.19	-0.27
Investing Cash Flow	71.98	19.06	-127.38	-268.57
Short-Term Debt Issued	-	13.32	36.25	2.56
Long-Term Debt Issued	131.45	269.85	4	-
Total Debt Issued	131.45	283.17	40.25	2.56
Short-Term Debt Repaid	-19.58	-11.42	-	-
Long-Term Debt Repaid	-177.09	-186.96	-3.3	-
Total Debt Repaid	-196.67	-198.38	-3.3	-
Net Debt Issued (Repaid)	-65.22	84.79	36.95	2.56
Repurchase of Common Stock	-0.7	-	-2.3	-0.71
Common Dividends Paid	-9.08	-9.71	-9.68	-9.39
Net Increase (Decrease) in Deposit Accounts	34.85	-86.13	19.94	161.67
Financing Cash Flow	-40.15	-11.05	44.91	154.13
Net Cash Flow	46.13	27.22	-61.25	-83.97
Free Cash Flow	14	14.31	18.37	28.6
Free Cash Flow Growth	-2.18%	-22.10%	-35.75%	0.47%
Free Cash Flow Margin	26.19%	27.38%	29.14%	42.90%
Free Cash Flow Per Share	1.56	1.59	2.03	3.14
Cash Interest Paid	39.13	25.63	8.56	5.06
Cash Income Tax Paid	0.63	1.81	4.97	6.3

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

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