Ames National Q4 EPS $0.58 vs $0.57; FY21 EPS $2.62; guides FY22 $2.10-$2.20

AMES NATIONAL CORP

Q4 2021 net income $5.3M ($0.58/diluted share) vs $5.2M ($0.57) in Q4 2020.
Full-year 2021 net income $23.9M ($2.62/share) up from $18.9M ($2.06) in 2020.
Net interest margin fell to 2.65% (Q4) and 2.83% (FY) from 3.03% and 3.13% year ago.
Credit for loan losses of $217K (Q4) and $757K (FY) vs provisions of $1.3M and $5.7M in prior periods.
Forecasts FY2022 EPS of $2.10-$2.20, down from $2.62, citing lower PPP fees and higher expenses.

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