AMES NATIONAL CORPORATION ATLO Cash Flow

Ames national corporation (ATLO)

CashFlow / Quarterly

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Mar'11
CASH FLOWS FROM OPERATING ACTIVITIES
Net income
3,554	4,297	4,041	4,617	4,237	4,201	4,458	4,317	4,036	2,686	3,928	3,472	3,610	4,024	3,803	4,099	3,807	3,915	4,099	3,364	3,634	3,138	3,731	3,854	4,526	3,376	3,712	3,278	3,585	3,468	3,860	3,309	3,543	3,615	3,589	3,243	3,472
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses
2,316	768	378	68	98	446	100	63	29	297	57	766	397	83	234	14	192	62	37	921	77	299	55	35	39	620	92	60	13	-129	35	64	51	123	4	404	0
Provision for off-balance sheet commitments
41	-	-	-	-	0	-3	16	-4	-9	-6	0	10	12	-20	12	20	-	-	-	-	46	0	18	35	55	7	4	14	14	13	0	6	5	0	0	5
Amortization (accretion), net
42	-	-	-	-389	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-1,241
Amortization of securities available-for-sale, loans and deposits, net
-	-	-	-	-	391	494	573	515	667	706	695	728	738	793	773	760	813	849	853	887	905	1,004	1,029	1,099	1,191	1,534	1,697	1,649	1,615	1,613	1,460	1,575	-	-	-	-
Amortization of intangible asset
217	182	124	139	163	164	94	83	87	88	89	92	98	95	86	91	95	95	103	109	113	113	76	61	65	65	65	68	73	73	73	49	0	-	-	-	-
Depreciation
348	332	326	293	283	288	296	287	260	271	293	293	274	323	312	281	291	334	281	271	259	287	228	188	187	208	206	191	190	219	204	188	174	184	221	168	167
Deferred income taxes
-639	-107	-49	24	100	-45	50	-25	-48	1,162	10	-92	-221	-2	245	-92	23	1,411	254	295	-23	-525	-96	-13	667	-257	82	-275	29	6	11	-48	-152	-17	772	-120	-65
Securities (gains), net
386	-	-	-	-	-	-	-	-	6	37	95	365	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Securities gains, net
-	-	-	-	-	-	-	-	-	-	-	-	-	127	64	29	201	279	111	492	4	896	79	0	135	364	204	364	68	108	220	10	307	78	361	164	421
(Gain) on sales of loans held for sale
266	359	289	224	172	204	207	191	177	239	179	226	138	308	339	257	176	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from loans held for sale
14,402	17,189	16,538	10,803	6,681	10,666	8,627	7,337	7,516	10,035	7,740	10,310	4,617	12,917	15,634	11,996	7,151	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Originations of loans held for sale
12,266	17,970	17,119	11,089	6,364	10,583	7,218	8,477	7,488	9,515	7,297	10,431	4,432	11,663	14,838	12,940	6,878	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loss on sale and disposal of bank premises and equipment, net
-	-	-	-	-	0	-5	-5	-0	53	-24	-2	-29	-23	-2	0	0	-4	0	0	-1	-2	0	-14	1,256	-	-	-	0	-	-	-	-	-	-	-	-
Amortization of investment in new market tax credit projects
145	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Impairment of other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	24	563	27	-	-	-	-	-	-	-	-	0	7	273	22	0	171	163	0
(Gain) loss on sale and foreclosure of other real estate owned, net
11	1	0	54	-11	-	-	-	-	0	3	4	7	87	126	-21	25	12	132	11	-55	-	-	-	-	17	3	3	25	14	0	-38	-8	72	-22	85	13
Change in assets and liabilities:
(Increase) in loans held for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	451	112	-352	-	-249	697	-295	-332	-630	-196	423	-540	-310	500	168	-91	-249	578	-1,017
Decrease in accrued income receivable
-1,540	-835	738	-103	-313	-69	866	24	-652	-40	1,009	142	-497	-602	986	3	-184	-974	1,105	-82	47	-1,118	1,172	-245	-5	-653	1,068	-139	-12	-867	1,211	-119	-33	-853	1,105	-510	627
(Increase) decrease in other assets
-40	-108	369	-20	543	29	-416	387	-104	60	249	-157	285	-12	-224	67	-129	211	-739	250	167	-470	356	-54	150	-47	-67	-1,888	62	-5,564	4,979	18	-101	-1,087	718	-917	643
Increase in accrued expenses and other liabilities
2,691	-52	292	-433	1,084	-135	291	-772	867	-72	50	-1,605	1,428	188	-271	-374	969	-768	539	-1,405	1,413	-771	220	-1,232	1,128	-378	467	-1,324	1,187	-680	624	-1,289	1,358	-489	484	-869	1,132
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3,524	6,341	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by operating activities
11,685	5,840	3,438	4,616	6,284	5,233	6,313	2,804	6,352	5,293	4,118	3,191	6,242	-	-	-	-	6,716	5,104	4,219	6,581	5,586	3,852	3,561	6,507	5,532	5,588	6,227	6,176	11,784	344	3,636	6,245	6,686	4,509	4,810	5,266
CASH FLOWS FROM INVESTING ACTIVITIES
Purchase of securities available-for-sale
40,121	20,885	26,388	31,332	3,781	1,770	2,466	13,888	7,854	17,430	3,525	24,443	18,797	28,451	13,268	29,455	6,944	13,431	20,683	42,813	23,877	4,126	4,990	20,847	35,980	31,428	13,501	71,038	48,732	48,635	44,504	72,396	58,422	40,308	31,123	53,436	72,419
Proceeds from sale of securities available-for-sale
3,385	-	-	-	-	-	-	-	-	2,268	933	9,332	1,491	6,404	5,851	521	12,365	3,726	5,925	14,863	517	15,627	28,209	0	3,478	19,198	12,696	13,916	1,701	3,404	9,580	1,384	8,648	1,716	2,757	7,843	13,083
Proceeds from maturities and calls of securities available-for-sale
27,665	33,872	26,260	26,129	12,251	20,190	21,211	22,567	8,364	17,422	14,103	24,353	9,869	10,683	15,972	26,548	12,090	15,581	17,098	29,506	13,761	12,772	16,880	26,030	14,209	12,897	22,512	43,899	23,698	26,203	23,315	35,683	32,018	28,050	26,442	48,546	35,919
Net decrease in federal funds sold
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	6	-	-	-	-	-	-	-	-	-	-	-	-700	0	32	1,068	1,900
Purchase of FHLB stock
116	148	0	1,800	2,112	5,660	2,196	646	227	644	2,731	1,701	71	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from the redemption of FHLB stock
95	28	0	1,805	2,642	5,415	1,940	642	691	864	2,517	1,736	7	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net (increase) in interest bearing deposits in financial institutions
27,518	8,982	11,495	8,697	32,680	-10,837	-5,257	-27,001	25,810	7,535	7,359	-21,235	17,624	5,738	-5,236	-28,503	32,745	-13,168	10,470	-32,524	30,745	-10,065	9,383	-13,940	16,738	-	-	-	-	-	-	-	-	-	-	-	-
Net (increase) in interest bearing deposits in financial institutions
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	31,431	8,879	-11,325	-23,853	37,197	-840	6,308	-7,672	16,713
Net (increase) decrease in loans
-33,436	-31,619	-8,736	12,968	3,927	-31,334	-3,672	-7,763	-802	-7,593	3,952	-9,156	-7,985	-12,020	-27,646	-17,299	5,551	-9,142	-12,773	-17,370	-2,390	-43,083	-21,143	-1,501	15,939	-36,295	-22,562	1,526	2,398	-21,812	-2,233	2,837	-5,810	-10,495	-3,389	-8,386	882
Net proceeds from the sale of other real estate owned
2,302	178	0	401	253	-	-	-	-	0	42	122	26	296	555	49	151	280	1,351	2,255	987	-	-	-	-	133	4	154	334	401	44	689	106	505	81	345	230
Proceeds from the sale of bank premises and equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	1,746	-	-	-	0	-	-	-	-	-	-	-	-
Purchase of bank premises and equipment
224	132	155	328	163	25	243	143	204	71	62	234	150	49	65	102	50	516	734	844	100	260	1,241	54	34	25	91	301	27	492	203	57	110	116	233	169	35
Net cash (used in) investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8,765	-9,582	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash paid for bank acquired
309	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other
18	21	21	12	15	3	-1,153	0	14	-	11	66	-15	0	0	0	0	-	-	-	-	0	16	0	2	-	-	-	0	-	-	-	-	-	-	-	-
Other changes in other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	2	74	-26
Net cash (used in) investing activities
-68,297	-46,095	-18,295	5,108	-19,679	-935	7,659	27,769	-25,859	-12,711	7,858	21,178	-33,220	-	-	-	-	9,662	-20,314	18,120	-41,844	-8,822	24,802	17,585	-17,381	-24,893	1,211	27,818	-52,058	-49,809	-2,676	36,998	-61,467	-19,808	-11,744	3,462	-37,179
CASH FLOWS FROM FINANCING ACTIVITIES
Increase in deposits
59,387	55,509	4,684	-8,043	31,445	5,344	-19,219	-18,608	36,032	19,852	-12,232	-14,901	32,263	47,606	-3,547	-18,480	9,670	12,834	-17,970	-3,362	30,690	12,404	-24,721	-45,186	16,028	34,837	-23,408	-33,711	29,552	62,587	-2,754	-33,363	61,026	18,468	18,461	1,912	36,000
Decrease in securities sold under agreements to repurchase
-415	-11,909	20,502	-703	-8,277	-8,184	5,751	-2,426	-890	-1,576	317	-11,690	-7,963	8,478	6,953	-7,474	-3,910	2,224	8,587	-15,322	7,536	-16,929	4,227	21,241	293	7,643	1,344	-4,093	7,633	-11,886	7,432	-4,542	-5,612	1,608	-6,732	-10,251	2,213
Payments from other short-term borrowings, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-85	-512	1,644
Proceeds from short-term borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,200	-	-	-	-2,017	-	-	-	-	-	-	-	-
Payments on FHLB borrowings
2,000	0	0	0	12,600	0	0	7,000	17,500	0	0	1,000	0	2,500	0	-1,500	3,042	11	4,314	6,025	73	18	7,018	18	17	-	-	-	-	17	17	17	516	4,016	1,017	16	516
Dividends paid
2,213	2,213	2,215	2,218	2,137	2,141	2,141	4,469	2,048	2,048	2,048	2,048	1,955	1,955	1,955	1,955	1,862	1,862	1,862	1,862	1,675	1,675	1,675	1,675	1,489	1,489	1,489	1,489	1,396	1,396	1,396	1,396	1,210	1,216	1,223	1,226	1,037
Proceeds from short-term FHLB borrowings, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-
Stock repurchases
706	0	244	278	1,286	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash (used in) by financing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-13,611	855	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by financing activities
54,051	41,386	25,727	-11,243	7,143	766	-9,209	-32,504	15,593	10,727	-8,463	-29,640	22,344	-	-	-	-	-18,514	15,039	-20,973	36,476	1,280	-26,688	-27,839	17,014	17,973	-570	-37,312	33,772	49,287	3,264	-39,319	53,686	12,917	12,858	-9,443	35,015
Net (decrease) in cash and due from banks
-2,560	1,131	10,869	-1,518	-6,250	5,065	4,764	-1,929	-3,913	3,309	3,513	-5,269	-4,634	8,172	1,005	-1,321	-2,384	-2,134	-169	1,366	1,214	-1,954	1,966	-6,691	6,139	-1,388	6,229	-3,266	-12,109	11,262	932	1,315	-1,534	-203	5,623	-1,170	3,102
CASH AND DUE FROM BANKS
Interest
3,109	2,698	2,703	2,743	2,405	2,348	1,721	1,779	1,538	1,482	1,432	1,390	1,205	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,759
Interest
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,028	1,025	-	1,060	1,137	1,179	1,170	1,118	1,208	1,275	-	1,316	1,458	1,394	-	1,607	1,491	1,508	-	-	-	-
Income taxes
-	-	-	-	-	-	-	-	-	1,836	1,581	3,393	75	1,598	1,698	2,512	12	1,044	325	2,876	44	1,547	1,447	2,652	48	-	-	-	-	-	-	-	-	-	-	-	-
SUPPLEMENTAL DISCLOSURE OF NONCASH INVESTING ACTIVITIES
Transfer of loans to other real estate owned
-	-	-	-	-	-	-	-	-	0	0	0	16	100	56	0	0	-	-	-	-	91	24	70	16	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from the sale of securities available-for-sale, recorded in other assets pending settlement
-	-	-	-	-	-	-	-	-	-	-	-	9,149	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from the sale of securities available-for-sale, recorded in other assets pending settlement
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other real real estate owned sale financed by a loan receivable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	89	123
Income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	55	1,359	1,084	2,243	272	783	858	2,177	167
Transfer of loans receivable to other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-17	5	202	5	358	1,330	109	152	-	-	-	-