{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-023078","form_type":"8-K","ticker":"ATLO","cik":"0001132651","company_name":"AMES NATIONAL CORP","filed_at":"2024-07-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:12.252926+00:00","generated_at":"2026-05-31T18:57:15.085387+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Ames National Q2 net income down 15% to $2.2M; forecast reduced on higher deposit costs","bullets":["Q2 2024 net income $2.2M ($0.24 EPS) vs $2.6M ($0.28 EPS) in Q2 2023.","Net interest margin narrowed to 2.14% from 2.20% as deposit expense rose $2.2M.","Loan portfolio grew 3.9% to $1.28B; credit loss expense increased to $182K.","Company declared $0.27 quarterly dividend payable Aug 15, 2024.","Management expects 2024 earnings will miss forecast due to higher interest expense."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-023078","json":"https://secwatch.observer/filing/0001437749-24-023078.json","markdown":"https://secwatch.observer/filing/0001437749-24-023078.md","text":"https://secwatch.observer/filing/0001437749-24-023078.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1132651/000143774924023078/0001437749-24-023078-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1132651/000143774924023078/atlo20240524_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T18:57:15.085387+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"}