AUBURN NATIONAL BANCORPORATION, INC
For the period ended Jun 30, 2025. Filed Aug 12, 2025.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Jun 30, 2025 · Filed Aug 12, 2025
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Item 2. Results of Operations
$
14,425
13,405
14,389
13,366
1,536
1,783
15,925
15,149
11,582
11,194
$
3,363
3,105
Per share data:
Basic and diluted net earnings
$
0.96
0.89
Cash dividends declared
0.54
0.54
Weighted average shares outstanding:
3,493,681
Shares outstanding, at period end
Book value
$
24.64
21.53
Common stock price:
High
$
25.28
21.55
Low
19.48
16.63
Period end
25.00
18.29
To earnings ratio (b)
13.09
x
101.61
To book value
%
Performance ratios:
Annualized return on average equity
8.26
%
8.34
Annualized return on average assets
0.68
%
0.64
Dividend payout ratio
56.25
%
60.67
Asset Quality:
Allowance for credit losses as a % of:
Loans
1.24
%
1.24
Nonperforming loans
2,306
%
Nonperforming assets as a % of:
Loans and other real estate owned
0.05
%
0.14
0.03
%
0.08
0.05
%
0.14
Annualized net recoveries as a % of average loans
0.01
%
(0.02)
Capital Adequacy: (c)
CET 1 risk-based capital ratio
15.32
%
14.47
Tier 1 risk-based capital ratio
15.32
%
14.47
Total risk-based capital ratio
16.35
%
15.49
Tier 1 leverage ratio
10.64
%
10.39
Other financial data:
Net interest margin (a)
3.24
%
3.05
Effective income tax rate
20.68
%
17.07
Efficiency ratio (d)
72.56
%
73.70
Selected average balances:
$
240,381
262,917
562,909
567,100
988,907
977,518
906,011
898,862
81,447
74,503
Selected period end balances:
$
239,681
254,359
562,714
578,068
6,965
7,142
1,025,054
939,851
946,405
86,071
75,209
(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.
Table 4
- Average
Balances and Net Interest Income Analysis
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.