Auburn National Q4 net income falls as loan loss provisions rise

Reuters

Jan 27

<a href="https://laohu8.com/S/AUBN">Auburn National</a> Q4 net income falls as loan loss provisions rise

Overview

Alabama bank's Q4 net income decreased yr/yr, EPS increased for full year
Company's net interest margin improved to 3.32% in Q4, driven by asset yields
Provision for credit losses increased due to two loan relationships

Outlook

Company expects improved loan growth in 2026
Company continues progress on digital banking initiatives

Result Drivers

NET INTEREST INCOME - Increased due to improved net interest margin, driven by higher yields on assets and lower deposit costs
CREDIT LOSS PROVISION - Increased due to two loan relationships, impacting overall financial performance
NONINTEREST EXPENSE - Decreased from previous quarter due to lower salaries, benefits, and occupancy costs

Key Details

Metric	Beat/Miss	Actual	Consensus Estimate
Q4 EPS		$0.48
Q4 Net Income		$1.67 mln
Q4 Net Interest Income		$7.73 mln
Q4 Credit Loss Provision		$783,000
Q4 Net Interest Margin		3.32%

Press Release: ID:nGNXlprx

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)

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For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.</p><p>(This story was created using Reuters automation and AI based on LSEG and company data. 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For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.</p><p>(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"AUBN","symbol_name":"Auburn National Bancorporation","start_time":0,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20260127:nL1N3YS0MC:1","article_id":"2606099784","we_media_id":"1032215980","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2606099784","pubTimestamp":1769519456,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Reuters","introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and technology","home_visible":1,"id":"1032215980","head_image":"https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48"},"summary":"Auburn National Q4 net income falls as loan loss provisions riseOverviewAlabama bank's Q4 net income decreased yr/yr, EPS increased for full yearCompany's net interest margin improved to 3.32% in Q4, ","collect":0,"end_time":0,"defaultTopTitle":"","property":[],"viewcount":null,"language":"en","relate_stocks":{"AUBN":"Auburn National Bancorporation","BK4211":"区域性银行"},"translate_title":"由于贷款损失准备金增加，奥本国民第四季度净利润下降","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"AUBN":0.9},"content_text":"Auburn National Q4 net income falls as loan loss provisions riseOverviewAlabama bank's Q4 net income decreased yr/yr, EPS increased for full yearCompany's net interest margin improved to 3.32% in Q4, driven by asset yieldsProvision for credit losses increased due to two loan relationshipsOutlookCompany expects improved loan growth in 2026Company continues progress on digital banking initiativesResult DriversNET INTEREST INCOME - Increased due to improved net interest margin, driven by higher yields on assets and lower deposit costsCREDIT LOSS PROVISION - Increased due to two loan relationships, impacting overall financial performanceNONINTEREST EXPENSE - Decreased from previous quarter due to lower salaries, benefits, and occupancy costsKey DetailsMetricBeat/MissActualConsensus EstimateQ4 EPS$0.48Q4 Net Income$1.67 mlnQ4 Net Interest Income$7.73 mlnQ4 Credit Loss Provision$783,000Q4 Net Interest Margin3.32%Press Release: ID:nGNXlprxFor questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"-1","news_tag":"dataReport","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}