{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-012555","form_type":"8-K","ticker":"ATLO","cik":"0001132651","company_name":"AMES NATIONAL CORP","filed_at":"2024-04-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:17.402710+00:00","generated_at":"2026-06-03T15:13:19.104532+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Ames National Q1 net income $2.3M ($0.26/share) vs $3.2M ($0.36) YoY","bullets":["Net income fell 28% to $2.3M; EPS $0.26 vs $0.36 in Q1 2023.","Net interest margin narrowed to 2.13% from 2.32% on higher deposit costs.","Loans grew 4% to $1.27B but deposits declined 1% to $1.87B.","Credit loss expense of $169K vs $275K YoY; net recoveries vs charge-offs.","Efficiency ratio worsened to 77.9% from 70.2%; declared $0.27 dividend payable May 15."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-012555","json":"https://secwatch.observer/filing/0001437749-24-012555.json","markdown":"https://secwatch.observer/filing/0001437749-24-012555.md","text":"https://secwatch.observer/filing/0001437749-24-012555.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1132651/000143774924012555/0001437749-24-012555-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1132651/000143774924012555/atlo20240418_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T15:13:19.104532+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":[{"claim_id":"90046d85b17ac736d9903532a1aa11e7e4f2bd75","claim":"AMES NATIONAL CORP reported the first quarter of 2024 results: net income $2.3 million, EPS $0.26 per share.","evidence_excerpt":"Ames National Corporation (Nasdaq: ATLO; the “Company”) today reported net income for the first quarter of 2024 of $2.3 million, or $0.26 per share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1132651/000143774924012555/0001437749-24-012555-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter of 2024"},{"label":"Net income","value":"$2.3 million"},{"label":"EPS","value":"$0.26 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}