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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)
2020 Q4
2019 Q4
Y-Y
Ch (%)
2020 Q3
Q-Q
Ch (%)
†
Loans Held for Investment, before Reserves
823,370
753,618
9.26
843,177
(9.40)
Loans Held for Sale, before Reserves
NA
2,342
NA
5,008
NA
Loan Loss Reserve
12,327
9,447
30.49
11,996
11.04
Net Loans Receivable
NA
746,513
NA
836,189
NA
Intangible Assets
0
0
0.00
0
0.00
Total Assets
1,462,313
1,171,750
24.80
1,317,001
44.13
Deposits
1,252,811
974,088
28.61
1,126,821
44.72
Debt, Senior and Subordinated
74,391
78,988
(5.82)
62,294
77.68
Common Equity
130,216
116,688
11.59
125,308
15.67
Total Shareholders' Equity
130,216
116,688
11.59
125,308
15.67
Shares Outstanding (actual)
NA
5,640,742
NA
5,566,413
NA
Income Statement ($000)
2020 Q4
2019 Q4
Y-Y
Ch (%)
2020 Q3
Q-Q
Ch (%)
†
Net Interest Income
10,021
9,188
9.07
9,542
20.08
Provision for Loan Losses
375
(70)
NM
1,250
(280.00)
Noninterest Income
3,843
2,838
35.41
4,373
(48.48)
Noninterest Expense
9,522
9,006
5.73
9,198
14.09
Net Income Before Taxes
4,275
3,309
29.19
3,468
93.08
Provision for Taxes
675
530
27.36
533
106.57
Net Income
3,600
2,779
29.54
2,935
90.63
Per Share Items ($)
2020 Q4
2019 Q4
Y-Y
Ch (%)
2020 Q3
Q-Q
Ch (%)
†
Book Value per Share
NA
20.69
NA
22.51
NA
Tangible Book Value
NA
20.69
NA
22.51
NA
Diluted EPS Before Extra
0.65
0.49
32.65
0.53
90.57
Diluted EPS After Extra
0.65
0.49
32.65
0.53
90.57
Dividends Declared
0.1600
0.1600
0.00
0.1600
0.00
Performance Ratios (%)
2020 Q4
2019 Q4
Y-Y
Ch (bp)
2020 Q3
Q-Q
Ch (bp)
ROAA
1.05
0.95
10
0.89
16
ROAE
11.40
9.58
182
9.46
194
Net Interest Margin
3.18
3.45
(27)
3.16
2
Loans / Deposits
65.72
77.37
(1,164)
74.83
(911)
Efficiency Ratio
67.50
73.82
(632)
65.10
240
Balance Sheet Ratios (%)
2020 Q4
2019 Q4
Y-Y
Ch (bp)
2020 Q3
Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets
8.90
9.96
(105)
9.51
(61)
Equity/ Assets
8.90
9.96
(105)
9.51
(61)
Asset Quality Ratios (%)
2020 Q4
2019 Q4
Y-Y
Ch (bp)
2020 Q3
Q-Q
Ch (bp)
Nonperforming Assets/ Assets
NA
0.34
NA
0.48
NA
Loan Loss Reserves/ Gross Loans
NA
1.25
NA
1.41
NA
Loan Loss Reserves/ NPAs
NA
237.24
NA
188.65
NA
Net Charge-offs/ Avg Loans
NA
(0.02)
NA
0.01
NA
Regulatory Capital Ratios (%)
2020 Q4
2019 Q4
Y-Y
Ch (bp)
2020 Q3
Q-Q
Ch (bp)
Tier 1 Capital Ratio
NA
13.40
NA
12.20
NA
†
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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