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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 Q42019 Q4Y-Y
Ch (%)
2020 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves823,370753,6189.26843,177(9.40)
Loans Held for Sale, before ReservesNA2,342NA5,008NA
Loan Loss Reserve12,3279,44730.4911,99611.04
Net Loans ReceivableNA746,513NA836,189NA
Intangible Assets000.0000.00
Total Assets1,462,3131,171,75024.801,317,00144.13
Deposits1,252,811974,08828.611,126,82144.72
Debt, Senior and Subordinated74,39178,988(5.82)62,29477.68
Common Equity130,216116,68811.59125,30815.67
Total Shareholders' Equity130,216116,68811.59125,30815.67
Shares Outstanding (actual)NA5,640,742NA5,566,413NA
Income Statement ($000)
 2020 Q42019 Q4Y-Y
Ch (%)
2020 Q3Q-Q
Ch (%)
Net Interest Income10,0219,1889.079,54220.08
Provision for Loan Losses375(70)NM1,250(280.00)
Noninterest Income3,8432,83835.414,373(48.48)
Noninterest Expense9,5229,0065.739,19814.09
Net Income Before Taxes4,2753,30929.193,46893.08
Provision for Taxes67553027.36533106.57
Net Income3,6002,77929.542,93590.63
Per Share Items ($)
 2020 Q42019 Q4Y-Y
Ch (%)
2020 Q3Q-Q
Ch (%)
Book Value per ShareNA20.69NA22.51NA
Tangible Book ValueNA20.69NA22.51NA
Diluted EPS Before Extra0.650.4932.650.5390.57
Diluted EPS After Extra0.650.4932.650.5390.57
Dividends Declared0.16000.16000.000.16000.00
Performance Ratios (%)
 2020 Q42019 Q4Y-Y
Ch (bp)
2020 Q3Q-Q
Ch (bp)
ROAA1.050.95100.8916
ROAE11.409.581829.46194
Net Interest Margin3.183.45(27)3.162
Loans / Deposits65.7277.37(1,164)74.83(911)
Efficiency Ratio67.5073.82(632)65.10240
Balance Sheet Ratios (%)
 2020 Q42019 Q4Y-Y
Ch (bp)
2020 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.909.96(105)9.51(61)
Equity/ Assets8.909.96(105)9.51(61)
Asset Quality Ratios (%)
 2020 Q42019 Q4Y-Y
Ch (bp)
2020 Q3Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.34NA0.48NA
Loan Loss Reserves/ Gross LoansNA1.25NA1.41NA
Loan Loss Reserves/ NPAsNA237.24NA188.65NA
Net Charge-offs/ Avg LoansNA(0.02)NA0.01NA
Regulatory Capital Ratios (%)
 2020 Q42019 Q4Y-Y
Ch (bp)
2020 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.40NA12.20NA
   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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