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ENB FINANCIAL CORP (OTCQX - ENBP)
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
 2020 Q32019 Q3Y-Y
Ch (%)
2020 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves843,177738,10414.24835,9693.45
Loans Held for Sale, before Reserves5,0081,578217.362,295472.85
Loan Loss Reserve11,9969,47426.6210,77045.53
Net Loans Receivable836,189730,20814.51827,4944.20
Intangible Assets000.0000.00
Total Assets1,317,0011,145,99814.921,299,4765.39
Deposits1,126,821946,99118.991,107,9146.83
Debt, Senior and Subordinated62,29480,948(23.04)65,900(21.89)
Common Equity125,308115,6378.36122,16210.30
Total Shareholders' Equity125,308115,6378.36122,16210.30
Shares Outstanding (actual)5,566,4135,677,161(1.95)5,574,601(0.59)
Income Statement ($000)
 2020 Q32019 Q3Y-Y
Ch (%)
2020 Q2Q-Q
Ch (%)
Net Interest Income9,5429,2892.729,4693.08
Provision for Loan Losses1,25063098.41975112.82
Noninterest Income4,3732,89451.113,69673.27
Noninterest Expense9,1988,12813.168,24446.29
Net Income Before Taxes3,4683,474(0.17)4,318(78.74)
Provision for Taxes533550(3.09)719(103.48)
Net Income2,9352,9240.383,599(73.80)
Per Share Items ($)
 2020 Q32019 Q3Y-Y
Ch (%)
2020 Q2Q-Q
Ch (%)
Book Value per Share22.5120.3710.5221.9110.90
Tangible Book Value22.5120.3710.5221.9110.90
Diluted EPS Before Extra0.530.513.920.64(68.75)
Diluted EPS After Extra0.530.513.920.64(68.75)
Dividends Declared0.16000.15503.230.16000.00
Performance Ratios (%)
 2020 Q32019 Q3Y-Y
Ch (bp)
2020 Q2Q-Q
Ch (bp)
ROAA0.891.02(13)1.14(25)
ROAE9.4610.22(76)12.31(285)
Net Interest Margin3.163.55(39)3.24(8)
Loans / Deposits74.8377.94(311)75.45(63)
Efficiency Ratio65.1065.73(63)61.90320
Balance Sheet Ratios (%)
 2020 Q32019 Q3Y-Y
Ch (bp)
2020 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.5110.09(58)9.4011
Equity/ Assets9.5110.09(58)9.4011
Asset Quality Ratios (%)
 2020 Q32019 Q3Y-Y
Ch (bp)
2020 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.480.32170.2227
Loan Loss Reserves/ Gross Loans1.411.28131.2813
Loan Loss Reserves/ NPAs188.65261.50(7,285)381.10(19,246)
Net Charge-offs/ Avg Loans0.010.06(5)0.001
Regulatory Capital Ratios (%)
 2020 Q32019 Q3Y-Y
Ch (bp)
2020 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio12.2013.50(130)12.30(10)
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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