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

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves710,135609,51516.51694,0739.26
Loans Held for Sale, before ReservesNA2,640NA1,429NA
Loan Loss Reserve8,8868,0839.938,66610.15
Net Loans ReceivableNA604,072NA686,836NA
Intangible Assets000.0000.00
Total Assets1,112,1981,030,3097.951,097,8425.23
Deposits929,801856,1998.60919,7344.38
Debt, Senior and Subordinated72,47874,133(2.23)73,256(4.25)
Common Equity106,85897,5349.56102,80215.78
Total Shareholders' Equity106,85897,5349.56102,80215.78
Shares Outstanding (actual)NA2,853,479NA2,852,532NA
Income Statement ($000)
 2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Net Interest Income8,9837,75015.918,8436.33
Provision for Loan Losses180190(5.26)190(21.05)
Noninterest Income2,4462,4021.832,559(17.66)
Noninterest Expense8,2827,8845.058,324(2.02)
Net Income Before Taxes3,0653,0560.292,57176.86
Provision for Taxes46223596.60346134.10
Net Income2,6032,821(7.73)2,22567.96
Per Share Items ($)
 2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Book Value per ShareNA34.18NA36.04NA
Tangible Book ValueNA34.18NA36.04NA
Diluted EPS Before Extra0.910.99(8.08)0.7866.67
Diluted EPS After Extra0.910.99(8.08)0.7866.67
Dividends Declared0.30000.28007.140.290013.79
Performance Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
ROAA0.971.12(15)0.8215
ROAE10.2211.72(150)8.93129
Net Interest Margin3.593.43163.572
Loans / Deposits76.3771.1951975.4691
Efficiency Ratio71.2068.5027071.69(49)
Balance Sheet Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.619.47149.3624
Equity/ Assets9.619.47149.3624
Asset Quality Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.11NA0.17NA
Loan Loss Reserves/ Gross LoansNA1.32NA1.25NA
Loan Loss Reserves/ NPAsNA733.48NA472.78NA
Net Charge-offs/ Avg LoansNA0.23NA(0.03)NA
Regulatory Capital Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.89NA13.20NA
   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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