Site Map
»
Corporate Overview
Corporate Profile
Officers & Directors
Committee Charting
Governance Documents
»
Stock Information
Stock Quote
Stock Splits & Dividends
Basis Calculator
Historic Prices
Organization Changes
»
News and Events
Press Releases
Presentations
Event Calendar
Quarterly Report
»
Financial Information
Financial Highlights
Insider Ownership
Peer Analysis
Market Makers
»
Financial Documents
SEC Documents
Section 16 Filings
»
Other Information
Email Notification
Information Request
FAQs
Investor Search
Entire IR Site
Press Releases Only
Filings Only
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 Q4
2018 Q4
Y-Y
Ch (%)
2019 Q3
Q-Q
Ch (%)
†
Loans Held for Investment, before Reserves
753,618
694,073
8.58
738,104
8.41
Loans Held for Sale, before Reserves
2,342
1,429
63.89
1,578
193.66
Loan Loss Reserve
9,447
8,666
9.01
9,474
(1.14)
Net Loans Receivable
746,513
686,836
8.69
730,208
8.93
Intangible Assets
0
0
0.00
0
0.00
Total Assets
1,171,750
1,097,842
6.73
1,145,998
8.99
Deposits
974,088
919,734
5.91
946,991
11.45
Debt, Senior and Subordinated
78,988
73,256
7.82
80,948
(9.69)
Common Equity
116,688
102,802
13.51
115,637
3.64
Total Shareholders' Equity
116,688
102,802
13.51
115,637
3.64
Shares Outstanding (actual)
5,640,742
5,705,064
(1.13)
5,677,161
(2.57)
Income Statement ($000)
2019 Q4
2018 Q4
Y-Y
Ch (%)
2019 Q3
Q-Q
Ch (%)
†
Net Interest Income
9,188
8,843
3.90
9,289
(4.35)
Provision for Loan Losses
(70)
190
NM
630
NM
Noninterest Income
2,838
2,559
10.90
2,894
(7.74)
Noninterest Expense
9,006
8,324
8.19
8,128
43.21
Net Income Before Taxes
3,309
2,571
28.70
3,474
(19.00)
Provision for Taxes
530
346
53.18
550
(14.55)
Net Income
2,779
2,225
24.90
2,924
(19.84)
Per Share Items ($)
2019 Q4
2018 Q4
Y-Y
Ch (%)
2019 Q3
Q-Q
Ch (%)
†
Book Value per Share
20.69
18.02
14.80
20.37
6.24
Tangible Book Value
20.69
18.02
14.80
20.37
6.24
Diluted EPS Before Extra
0.49
0.39
25.64
0.51
(15.69)
Diluted EPS After Extra
0.49
0.39
25.64
0.51
(15.69)
Dividends Declared
0.1600
0.1450
10.34
0.1550
12.90
Performance Ratios (%)
2019 Q4
2018 Q4
Y-Y
Ch (bp)
2019 Q3
Q-Q
Ch (bp)
ROAA
0.95
0.82
13
1.02
(7)
ROAE
9.58
8.93
65
10.22
(64)
Net Interest Margin
3.45
3.57
(12)
3.55
(10)
Loans / Deposits
77.37
75.46
190
77.94
(58)
Efficiency Ratio
73.82
71.69
213
65.73
809
Balance Sheet Ratios (%)
2019 Q4
2018 Q4
Y-Y
Ch (bp)
2019 Q3
Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets
9.96
9.36
59
10.09
(13)
Equity/ Assets
9.96
9.36
59
10.09
(13)
Asset Quality Ratios (%)
2019 Q4
2018 Q4
Y-Y
Ch (bp)
2019 Q3
Q-Q
Ch (bp)
Nonperforming Assets/ Assets
NA
0.21
NA
0.32
NA
Loan Loss Reserves/ Gross Loans
1.25
1.25
0
1.28
(3)
Loan Loss Reserves/ NPAs
NA
379.92
NA
261.50
NA
Net Charge-offs/ Avg Loans
(0.02)
(0.03)
1
0.06
(8)
Regulatory Capital Ratios (%)
2019 Q4
2018 Q4
Y-Y
Ch (bp)
2019 Q3
Q-Q
Ch (bp)
Tier 1 Capital Ratio
13.40
13.20
20
13.50
(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.
Copyright 2020,
© S&P Global Market Intelligence
Terms of Use
31 East Main Street, Ephrata, PA 17522 Local Calls: (717) 733-4181 - Toll Free: (877) 773-6605
Copyright © 2020 ENB Financial Corp. All rights reserved.
Privacy Policy, Warranties, and Disclaimers
