{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-22-024531","form_type":"8-K","ticker":"ATLO","cik":"0001132651","company_name":"AMES NATIONAL CORP","filed_at":"2022-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:49.706628+00:00","generated_at":"2026-06-23T01:51:49.630370+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Ames National Q3 net income $5.5M ($0.62/share), down from $6.7M in 2021","bullets":["Net income $5.5M ($0.62 per share) vs $6.7M ($0.74) in Q3 2021; nine months $14.9M vs $18.6M.","Net interest margin narrowed to 2.63% from 2.97%, pressured by lower PPP fees and higher deposit costs.","Credit for loan losses of $520K in Q3 2022, reflecting improved portfolio quality and lower specific reserves.","Quarterly dividend maintained at $0.27 per share, payable Nov 15, 2022 to holders of record Nov 1.","Total assets flat at $2.09B; equity fell to $137.3M from $210.4M due to unrealized investment losses."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-22-024531","json":"https://secwatch.observer/filing/0001437749-22-024531.json","markdown":"https://secwatch.observer/filing/0001437749-22-024531.md","text":"https://secwatch.observer/filing/0001437749-22-024531.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1132651/000143774922024531/0001437749-22-024531-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1132651/000143774922024531/atlo20221020_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T01:51:49.630370+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}