A Letter From Our President

To Our Shareholders and Friends,

We've always known that we have the right people in place to serve our community no matter what comes our way. 2020 gave us a unique opportunity to prove that our team is unprecedented.

For the full year of 2020, the Company reported net earnings of $7.5 million, or $2.09 per share. The decrease in 2020 net earnings compared to 2019 was primarily driven by the impact of the Coronavirus (COVID-19) pandemic, which resulted in an increased provision for loan losses and a lower interest rate environment.

I am extremely proud of our organization's response to COVID-19. From maintaining a safe work environment, to providing accessibility for our customers and our communities, our team quickly adapted to the challenges during the year and produced meaningful financial results. Mortgage lending income increased by $1.4 million, or 168%, compared to 2019. Our lending team provided 423 loans for $36.5 million under the Paycheck Protection Program, supporting over 5,500 jobs, and Auburn National Bancorporation, Inc. was named a "Banking Performance Powerhouse" by Bank Director as a high-performing bank based on total shareholder return generated over a 20-year period ended June 30, 2020.

Customers always come first. That's been true for 114 years. Whether you walk through our doors, use our drive-thrus, or log in to the AuburnBank app from your kitchen table, we are committed to serving your financial needs however we can. That's why we broke ground on a redevelopment project at our main campus. Phase I of our project, consisting of our new bank/office facility and new parking deck, continues on schedule for completion by year end. This building will be bigger and better. But most importantly, it will help us better serve our community.

Our capital and asset quality continues to be strong. As we enter the next decade, we will keep our focus on providing high-quality financial products and services combined with the latest technology while maintaining emphasis on protection of your confidential information.

Since 1907, our mission has been to serve our customers, our businesses and our communities with quality service, financial products that meet your financial needs, and being a strong corporate contributor.

Thank you for your support and encouragement as we continue our original mission to serve you!


Robert Dumas
Robert W. Dumas
Chairman, President and CEO
AuburnBank and ANBC


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  • A Letter From Our President


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