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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 Q22019 Q2Y-Y
Ch (%)
2020 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves835,969718,35616.37764,12037.61
Loans Held for Sale, before Reserves2,2953,473(33.92)2,419(20.50)
Loan Loss Reserve10,7708,95720.249,80339.46
Net Loans Receivable827,494712,87216.08756,73637.40
Intangible Assets000.0000.00
Total Assets1,299,4761,131,64514.831,177,99641.25
Deposits1,107,914941,60617.66982,85250.90
Debt, Senior and Subordinated65,90075,630(12.87)75,903(52.71)
Common Equity122,162112,5148.57116,50619.42
Total Shareholders' Equity122,162112,5148.57116,50619.42
Shares Outstanding (actual)5,574,6015,692,384(2.07)5,598,501(1.71)
Income Statement ($000)
 2020 Q22019 Q2Y-Y
Ch (%)
2020 Q1Q-Q
Ch (%)
Net Interest Income9,4699,1583.409,21610.98
Provision for Loan Losses975303,150.00350714.29
Noninterest Income3,6962,62940.592,715144.53
Noninterest Expense8,2448,2170.339,110(38.02)
Net Income Before Taxes4,3183,67317.562,523284.58
Provision for Taxes71958423.12358403.35
Net Income3,5993,08916.512,165264.94
Per Share Items ($)
 2020 Q22019 Q2Y-Y
Ch (%)
2020 Q1Q-Q
Ch (%)
Book Value per Share21.9119.7710.8720.8121.22
Tangible Book Value21.9119.7710.8720.8121.22
Diluted EPS Before Extra0.640.5418.520.38273.68
Diluted EPS After Extra0.640.5418.520.38273.68
Dividends Declared0.16000.16000.000.16000.00
Performance Ratios (%)
 2020 Q22019 Q2Y-Y
Ch (bp)
2020 Q1Q-Q
Ch (bp)
ROAA1.141.1130.7440
ROAE12.3111.48837.42489
Net Interest Margin3.243.56(32)3.41(17)
Loans / Deposits75.4576.29(84)77.75(229)
Efficiency Ratio61.9068.60(670)75.31(1,341)
Balance Sheet Ratios (%)
 2020 Q22019 Q2Y-Y
Ch (bp)
2020 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.409.94(54)9.89(49)
Equity/ Assets9.409.94(54)9.89(49)
Asset Quality Ratios (%)
 2020 Q22019 Q2Y-Y
Ch (bp)
2020 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.220.1660.33(11)
Loan Loss Reserves/ Gross Loans1.281.2441.281
Loan Loss Reserves/ NPAs381.10495.14(11,403)251.2312,987
Net Charge-offs/ Avg Loans0.00(0.02)3(0.00)1
Regulatory Capital Ratios (%)
 2020 Q22019 Q2Y-Y
Ch (bp)
2020 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio12.3013.60(130)13.10(80)
   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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