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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)
2019 Q2
2018 Q2
Y-Y
Ch (%)
2019 Q1
Q-Q
Ch (%)
†
Loans Held for Investment, before Reserves
718,356
628,218
14.35
710,135
4.63
Loans Held for Sale, before Reserves
3,473
2,436
42.57
2,688
116.82
Loan Loss Reserve
8,957
8,171
9.62
8,886
3.20
Net Loans Receivable
712,872
622,483
14.52
703,937
5.08
Intangible Assets
0
0
0.00
0
0.00
Total Assets
1,131,645
1,049,886
7.79
1,112,198
6.99
Deposits
941,606
878,069
7.24
929,801
5.08
Debt, Senior and Subordinated
75,630
71,099
6.37
73,513
11.52
Common Equity
112,514
98,743
13.95
106,858
21.17
Total Shareholders' Equity
112,514
98,743
13.95
106,858
21.17
Shares Outstanding (actual)
5,698,384
5,715,408
(0.30)
5,694,452
0.28
Income Statement ($000)
2019 Q2
2018 Q2
Y-Y
Ch (%)
2019 Q1
Q-Q
Ch (%)
†
Net Interest Income
9,158
8,055
13.69
8,983
7.79
Provision for Loan Losses
30
90
(66.67)
180
(333.33)
Noninterest Income
2,629
2,674
(1.68)
2,446
29.93
Noninterest Expense
8,217
8,167
0.61
8,282
(3.14)
Net Income Before Taxes
3,673
2,426
51.40
3,065
79.35
Provision for Taxes
584
300
94.67
462
105.63
Net Income
3,089
2,126
45.30
2,603
74.68
Per Share Items ($)
2019 Q2
2018 Q2
Y-Y
Ch (%)
2019 Q1
Q-Q
Ch (%)
†
Book Value per Share
19.74
17.28
14.29
18.77
20.88
Tangible Book Value
19.74
17.28
14.29
18.77
20.88
Diluted EPS Before Extra
0.54
0.37
45.95
0.46
74.73
Diluted EPS After Extra
0.54
0.37
45.95
0.46
74.73
Dividends Declared
0.1500
0.1450
3.45
0.1500
0.00
Performance Ratios (%)
2019 Q2
2018 Q2
Y-Y
Ch (bp)
2019 Q1
Q-Q
Ch (bp)
ROAA
1.11
0.82
29
0.97
14
ROAE
11.48
8.80
268
10.22
126
Net Interest Margin
3.56
3.41
15
3.59
(3)
Loans / Deposits
76.29
71.55
475
76.37
(8)
Efficiency Ratio
68.60
73.31
(471)
71.20
(260)
Balance Sheet Ratios (%)
2019 Q2
2018 Q2
Y-Y
Ch (bp)
2019 Q1
Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets
9.94
9.41
54
9.61
33
Equity/ Assets
9.94
9.41
54
9.61
33
Asset Quality Ratios (%)
2019 Q2
2018 Q2
Y-Y
Ch (bp)
2019 Q1
Q-Q
Ch (bp)
Nonperforming Assets/ Assets
0.16
0.12
4
0.16
0
Loan Loss Reserves/ Gross Loans
1.24
1.30
(5)
1.25
(1)
Loan Loss Reserves/ NPAs
495.14
642.37
(14,724)
488.51
663
Net Charge-offs/ Avg Loans
(0.02)
0.00
(2)
(0.02)
0
Regulatory Capital Ratios (%)
2019 Q2
2018 Q2
Y-Y
Ch (bp)
2019 Q1
Q-Q
Ch (bp)
Tier 1 Capital Ratio
13.60
13.80
(20)
13.30
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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