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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 Q32018 Q3Y-Y
Ch (%)
2019 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves738,104667,76910.53718,35611.00
Loans Held for Sale, before ReservesNA2,804NA3,473NA
Loan Loss Reserve9,4748,42812.418,95723.09
Net Loans ReceivableNA662,145NA712,872NA
Intangible Assets000.0000.00
Total Assets1,145,9981,062,1957.891,131,6455.07
Deposits946,991890,9266.29941,6062.29
Debt, Senior and SubordinatedNA69,435NA75,630NA
Common Equity115,63799,20216.57112,51411.10
Total Shareholders' Equity115,63799,20216.57112,51411.10
Shares Outstanding (actual)NA5,722,548NA5,698,384NA
Income Statement ($000)
 2019 Q32018 Q3Y-Y
Ch (%)
2019 Q2Q-Q
Ch (%)
Net Interest Income9,2898,4769.599,1585.72
Provision for Loan Losses630190231.58308,000.00
Noninterest Income2,8942,7804.102,62940.32
Noninterest Expense8,1288,0710.718,217(4.33)
Net Income Before Taxes3,4743,00215.723,673(21.67)
Provision for Taxes55042529.41584(23.29)
Net Income2,9242,57713.473,089(21.37)
Per Share Items ($)
 2019 Q32018 Q3Y-Y
Ch (%)
2019 Q2Q-Q
Ch (%)
Book Value per ShareNA17.34NA19.74NA
Tangible Book ValueNA17.34NA19.74NA
Diluted EPS Before Extra0.510.4513.330.54(22.22)
Diluted EPS After Extra0.510.4513.330.54(22.22)
Dividends Declared0.15500.14506.900.150013.33
Performance Ratios (%)
 2019 Q32018 Q3Y-Y
Ch (bp)
2019 Q2Q-Q
Ch (bp)
ROAA1.020.9751.11(9)
ROAE10.2210.33(11)11.48(126)
Net Interest Margin3.553.5233.56(1)
Loans / Deposits77.9474.9529976.29165
Efficiency Ratio65.7370.35(462)68.60(287)
Balance Sheet Ratios (%)
 2019 Q32018 Q3Y-Y
Ch (bp)
2019 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.099.34759.9415
Equity/ Assets10.099.34759.9415
Asset Quality Ratios (%)
 2019 Q32018 Q3Y-Y
Ch (bp)
2019 Q2Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.10NA0.16NA
Loan Loss Reserves/ Gross LoansNA1.26NA1.24NA
Loan Loss Reserves/ NPAsNA827.90NA495.14NA
Net Charge-offs/ Avg LoansNA(0.04)NA(0.02)NA
Regulatory Capital Ratios (%)
 2019 Q32018 Q3Y-Y
Ch (bp)
2019 Q2Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.50NA13.60NA
   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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