AUBURN NATIONAL BANCORPORATION INC

$

6,728

6,677

6,154

6,380

6,994

6,709

6,657

6,059

6,272

6,888

(5,429)

7,605

7,544

7,137

7,679

(123)

(362)

5,519

5,675

5,803

5,362

5,825

(1,514)

$

1,734

1,371

(3,985)

1,488

1,928

Per share data:

Basic and diluted net earnings

$

0.50

0.39

(1.14)

0.43

0.55

Cash dividends declared

0.27

0.27

0.27

0.27

0.27

Weighted average shares outstanding:

3,493,663

3,496,411

Shares outstanding

Book value

$

21.53

21.32

21.90

17.59

20.28

Common stock price

High

$

19.25

21.55

21.99

22.80

24.32

Low

16.63

18.82

19.72

20.85

18.80

Period end

18.29

19.27

21.28

21.50

21.26

To earnings ratio (b)

101.61

x

83.78

53.20

7.65

7.21

To book value

%

Performance ratios:

Return on average equity

9.63

%

7.13

(26.40)

8.59

10.37

Return on average assets

0.71

%

0.56

(1.56)

0.58

0.75

Dividend payout ratio

54.00

%

69.23

(23.68)

62.79

49.09

Asset Quality:

Allowance for credit losses as a % of:

Loans

1.24

%

1.27

1.23

1.24

1.27

Nonperforming loans

%

Nonperforming assets as a % of:

Loans and other real estate owned

0.14

%

0.15

0.16

0.22

0.22

0.08

%

0.09

0.09

0.12

0.11

0.14

%

0.15

0.16

0.22

0.22

Annualized net (recoveries) charge-offs as a % of average loans

0.01

%

(0.05)

0.13

0.01

(0.11)

Capital Adequacy: (c)

CET 1 risk-based capital ratio

14.47

%

14.62

14.52

15.01

15.33

Tier 1 risk-based capital ratio

14.47

%

14.62

14.52

15.01

15.33

Total risk-based capital ratio

15.49

%

15.69

15.52

15.98

16.31

Tier 1 leverage ratio

10.39

%

10.34

9.72

10.26

10.23

Other financial data:

Net interest margin (a)

3.06

%

3.04

2.65

2.73

3.03

Effective income tax rate

21.50

%

10.68

(27.53)

10.90

13.00

Efficiency ratio (d)

72.39

%

75.03

800.41

74.01

74.82

Selected average balances:

$

258,228

267,606

354,065

390,772

402,929

573,443

560,757

550,938

529,382

512,066

978,107

976,930

1,020,476

1,020,980

900,673

897,051

953,674

942,533

942,552

72,059

76,948

60,372

69,269

74,404

Selected period end balances:

$

254,359

260,770

270,910

373,286

394,079

578,068

567,520

557,294

545,610

520,411

7,142

7,215

6,863

6,778

6,634

979,039

975,255

1,030,724

1,026,130

946,405

899,673

896,243

964,602

950,742

75,209

74,489

76,507

61,451

70,976

(a) Tax-equivalent. See "Table 1 - Explanation of Non-GAAP Financial Measures."

(b) Calculated by dividing period end share price by

earnings per share for the previous four quarters.

(c) Regulatory capital ratios presented are for the Company's

wholly-owned subsidiary, AuburnBank.

(d) Efficiency ratio is the result of noninterest expense divided

by the sum of noninterest income and tax-equivalent net interest

income.

See Table 1 - Explanation of Non-GAAP Measures.