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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 Reserves1,5782,804(43.72)3,473(218.26)
Loan Loss Reserve9,4748,42812.418,95723.09
Net Loans Receivable730,208662,14510.28712,8729.73
Intangible Assets000.0000.00
Total Assets1,145,9981,062,1957.891,131,6455.07
Deposits946,991890,9266.29941,6062.29
Debt, Senior and Subordinated80,94869,43516.5875,63028.13
Common Equity115,63799,20216.57112,51411.10
Total Shareholders' Equity115,63799,20216.57112,51411.10
Shares Outstanding (actual)5,677,1615,722,548(0.79)5,698,384(1.49)
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 Share20.3717.3417.5019.7412.64
Tangible Book Value20.3717.3417.5019.7412.64
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/ Assets0.320.14180.1616
Loan Loss Reserves/ Gross Loans1.281.2621.244
Loan Loss Reserves/ NPAs261.50572.55(31,106)495.14(23,364)
Net Charge-offs/ Avg Loans0.06(0.04)10(0.02)8
Regulatory Capital Ratios (%)
 2019 Q32018 Q3Y-Y
Ch (bp)
2019 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio13.5013.50013.60(10)
   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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