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Financial Highlights
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)
2020 Q1
2019 Q1
Y-Y
Ch (%)
2019 Q4
Q-Q
Ch (%)
†
Loans Held for Investment, before Reserves
764,120
710,135
7.60
753,618
5.57
Loans Held for Sale, before Reserves
2,419
2,688
(10.01)
2,342
13.15
Loan Loss Reserve
9,803
8,886
10.32
9,447
15.07
Net Loans Receivable
756,736
703,937
7.50
746,513
5.48
Intangible Assets
0
0
0.00
0
0.00
Total Assets
1,177,996
1,112,198
5.92
1,171,750
2.13
Deposits
982,852
929,801
5.71
974,088
3.60
Debt, Senior and Subordinated
75,903
73,513
3.25
78,988
(15.62)
Common Equity
116,506
106,858
9.03
116,688
(0.62)
Total Shareholders' Equity
116,506
106,858
9.03
116,688
(0.62)
Shares Outstanding (actual)
5,598,501
5,694,452
(1.68)
5,640,742
(3.00)
Income Statement ($000)
2020 Q1
2019 Q1
Y-Y
Ch (%)
2019 Q4
Q-Q
Ch (%)
†
Net Interest Income
9,216
8,983
2.59
9,188
1.22
Provision for Loan Losses
350
180
94.44
(70)
NM
Noninterest Income
2,715
2,446
11.00
2,838
(17.34)
Noninterest Expense
9,110
8,282
10.00
9,006
4.62
Net Income Before Taxes
2,523
3,065
(17.68)
3,309
(95.01)
Provision for Taxes
358
462
(22.51)
530
(129.81)
Net Income
2,165
2,603
(16.83)
2,779
(88.38)
Per Share Items ($)
2020 Q1
2019 Q1
Y-Y
Ch (%)
2019 Q4
Q-Q
Ch (%)
†
Book Value per Share
20.81
18.77
10.90
20.69
2.39
Tangible Book Value
20.81
18.77
10.90
20.69
2.39
Diluted EPS Before Extra
0.38
0.46
(16.48)
0.49
(89.80)
Diluted EPS After Extra
0.38
0.46
(16.48)
0.49
(89.80)
Dividends Declared
0.1600
0.1500
6.67
0.1600
0.00
Performance Ratios (%)
2020 Q1
2019 Q1
Y-Y
Ch (bp)
2019 Q4
Q-Q
Ch (bp)
ROAA
0.74
0.97
(23)
0.95
(21)
ROAE
7.42
10.22
(280)
9.58
(216)
Net Interest Margin
3.41
3.59
(18)
3.45
(4)
Loans / Deposits
77.75
76.37
137
77.37
38
Efficiency Ratio
75.31
71.20
411
73.82
149
Balance Sheet Ratios (%)
2020 Q1
2019 Q1
Y-Y
Ch (bp)
2019 Q4
Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets
9.89
9.61
28
9.96
(7)
Equity/ Assets
9.89
9.61
28
9.96
(7)
Asset Quality Ratios (%)
2020 Q1
2019 Q1
Y-Y
Ch (bp)
2019 Q4
Q-Q
Ch (bp)
Nonperforming Assets/ Assets
NA
0.16
NA
NA
NA
Loan Loss Reserves/ Gross Loans
1.28
1.25
3
1.25
3
Loan Loss Reserves/ NPAs
NA
488.51
NA
NA
NA
Net Charge-offs/ Avg Loans
(0.00)
(0.02)
2
(0.02)
2
Regulatory Capital Ratios (%)
2020 Q1
2019 Q1
Y-Y
Ch (bp)
2019 Q4
Q-Q
Ch (bp)
Tier 1 Capital Ratio
13.10
13.30
(20)
13.40
(30)
†
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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