{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-031552","form_type":"8-K","ticker":"ATLO","cik":"0001132651","company_name":"AMES NATIONAL CORP","filed_at":"2024-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.753896+00:00","generated_at":"2026-05-30T12:43:13.416379+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Ames National Q3 net income falls 24% to $2.2M; credit loss expense and consultant fees weigh","bullets":["Q3 net income $2.2M ($0.25 EPS) vs $2.9M ($0.33) a year ago; 9-month EPS $0.75 vs $0.97.","Net interest margin improved to 2.21% from 2.11%, but noninterest expense rose 7.2% partly due to $449K consultant fees.","Credit loss expense of $371K in Q3 vs a benefit of $274K in prior-year quarter; total reserve at 1.34% of loans.","Loans grew 5.2% to $1.30B; substandard loans increased to $28.3M from $24.0M.","Quarterly cash dividend maintained at $0.20/share, payable Nov 15, 2024 to holders of record Nov 1."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-031552","json":"https://secwatch.observer/filing/0001437749-24-031552.json","markdown":"https://secwatch.observer/filing/0001437749-24-031552.md","text":"https://secwatch.observer/filing/0001437749-24-031552.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1132651/000143774924031552/0001437749-24-031552-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1132651/000143774924031552/atlo20240820_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T12:43:13.416379+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"}