Ames National Corporation (ATLO)

Ames National Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	21.54	19.03	10.22	10.82	19.29	23.91
Depreciation & Amortization	1.1	1.55	2.54	3.28	4.13	4.63
Provision for Credit Losses	-0.27	1.04	0.59	0.79	-0.77	-0.78
Net Change in Loans Held-for-Sale	0.54	0.41	0.31	0.39	0.45	3.29
Other Adjustments	-0.36	-0.32	0.3	1.06	1.2	-0.58
Changes in Accrued Interest and Accounts Receivable	-0.86	-0.2	-0.91	-1.68	-1.15	1.02
Changes in Accounts Payable	-0.34	-0.65	-1.5	4.04	0.31	-
Changes in Accrued Expenses	1.46	0.8	1.43	0.87	-0.8	-1.64
Changes in Other Operating Activities	-0.22	-0.31	1.33	-0.37	-1.44	0.62
Operating Cash Flow	22.58	21.34	14.3	19.21	21.23	30.47
Operating Cash Flow Growth	12.63%	49.23%	-25.55%	-9.53%	-30.32%	2.55%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-0.26	0.49	2.74	5.77	2.25	1.5
Net Change in Loans Held-for-Investment	38.87	19.9	-26.76	-52.9	-80.53	-13.92
Net Change in Securities and Investments	-34.51	21.34	96.22	71.1	-46.38	-255.04
Capital Expenditures	-0.85	-0.64	-0.3	-4.89	-2.86	-1.87
Sale of Property, Plant & Equipment	-	-	-	-	0.13	-
Other Investing Activities	3.17	3.13	0.08	-	-	0.76
Investing Cash Flow	6.41	44.21	71.98	19.06	-127.38	-268.57
Net Change in Deposits	-38.99	7.99	34.85	-86.13	19.94	161.67
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-9.05	-13.61	-1.58	13.32	0.83	2.56
Net Short-Term Debt Issued (Repaid)	-	-6	-18	-11.42	35.42	-
Long-Term Debt Issued	-	2.8	131.45	269.85	4	-
Long-Term Debt Repaid	-17.6	-22.4	-177.09	-186.96	-3.3	-
Net Long-Term Debt Issued (Repaid)	-17.6	-19.6	-45.64	82.89	0.7	-
Repurchase of Common Stock	-1.13	-1.68	-0.7	-	-2.3	-0.71
Net Common Stock Issued (Repurchased)	-1.13	-1.68	-0.7	-	-2.3	-0.71
Common Dividends Paid	-7.46	-7.11	-9.08	-9.71	-9.68	-9.39
Financing Cash Flow	-74.23	-40.03	-40.15	-11.05	44.91	154.13
Net Cash Flow	-45.24	25.53	46.13	27.22	-61.25	-83.97
Free Cash Flow	21.73	20.7	14	14.31	18.37	28.6
Free Cash Flow Growth	4.99%	47.83%	-2.18%	-22.10%	-35.75%	0.47%
FCF Margin	31.11%	31.46%	25.82%	26.98%	28.80%	42.50%
Free Cash Flow Per Share	2.45	2.33	1.56	1.59	2.03	3.14
Levered Free Cash Flow	4.23	-6.03	-50.84	83.54	53.61	26.66
Unlevered Free Cash Flow	0.29	0.54	2.58	1.26	-1.81	2.75

Updated May 8, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

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