AUBURN NATIONAL BANCORPORATION INC

Exhibits

PART

FINANCIAL INFORMATION

Consolidated Balance Sheets

(Dollars in thousands, except share data)

Assets:

Cash and due from banks

$

18,444

$

27,127

17,356

31,412

Interest-bearing bank deposits

36,781

12,830

Cash and cash equivalents

72,581

71,369

260,770

270,910

—

Loans

567,520

557,294

Allowance for credit losses

(7,215)

(6,863)

560,305

550,431

Premises and equipment, net

46,193

45,535

17,212

17,110

21,803

19,900

$

979,039

$

975,255

Liabilities:

Noninterest-bearing

$

263,484

$

270,723

Interest-bearing

636,189

625,520

899,673

896,243

Federal funds purchased and securities sold under agreements to repurchase

1,513

1,486

Accrued expenses and other liabilities

3,364

1,019

Total liabilities

904,550

898,748

Stockholders' equity:

Preferred stock of $

.01

par value; authorized

200,000

shares;

no shares issued

—

—

Common stock of $

.01

par value; authorized

8,500,000

shares;

issued

3,957,135

shares

Additional paid-in capital

3,802

3,801

Retained earnings

113,563

113,398

Accumulated other comprehensive loss, net

(31,213)

(29,029)

Less treasury stock, at cost -

463,436

shares and

463,521

at March 31, 2024

and December 31, 2023, respectively

74,489

76,507

Total liabilities and stockholders’

equity

$

979,039

$

975,255