secwatch.observer — SEC 8-K summary
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Issuer:     AMES NATIONAL CORP (ATLO)
CIK:        0001132651
Form:       8-K
Filed at:   2025-01-24T23:59:59+00:00
Accession:  0001437749-25-001789
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Ames National Q4 net income up 64% to $3.5M; 2025 EPS guided $1.72–$1.82
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- Q4 net income $3.5M ($0.39 EPS) vs $2.1M ($0.24 EPS) in Q4 2023.
- Full-year 2024 net income $10.2M ($1.14 EPS) vs $10.8M ($1.20 EPS) in 2023.
- Net interest margin improved to 2.38% in Q4 from 2.15% a year ago; loan growth 2%.
- Credit loss benefit of $130K in Q4 vs expense of $755K in prior year period.
- Forecasts 2025 EPS of $1.72–$1.82, driven by expected margin expansion from repricing.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1132651/000143774925001789/0001437749-25-001789-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1132651/000143774925001789/atlo20240806_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-25-001789

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer