A Letter From Our President

2016 results for AuburnBank were very strong. Record earnings of $8.2 million were achieved through early retirement of long-term debt at a discount, a sizeable recovery thus positively affecting our contributions to our allowance for loan and lease losses, continued growth in our loan portfolio coupled with top asset quality and efficient management.

These record results reflect not only good management planning and implementation of sound banking fundamentals but are also directly related to our founding principle--"Because We Care."

For 110 years our caring commitment to our customers, and to the communities we serve has been based on a caring philosophy. In the pages of our annual report you will hear from several members of the AuburnBank Team as to their feelings about how caring creates a successful organization. Meeting customers' financial needs on a daily basis along with serving many in our community who are in need of basic necessities creates a positive organization that has grown and made a significant impact for 110 years. I believe "Because We Care" is an underlying foundation that will continue to assist our bank in being your partner, neighbor and friend.

Thank you for your loyal support and we look forward to many more years of service.

Robert W. Dumas
President and CEO


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