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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 Q42018 Q4Y-Y
Ch (%)
2019 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves753,618694,0738.58738,1048.41
Loans Held for Sale, before Reserves2,3421,42963.891,578193.66
Loan Loss Reserve9,4478,6669.019,474(1.14)
Net Loans Receivable746,513686,8368.69730,2088.93
Intangible Assets000.0000.00
Total Assets1,171,7501,097,8426.731,145,9988.99
Deposits974,088919,7345.91946,99111.45
Debt, Senior and Subordinated78,98873,2567.8280,948(9.69)
Common Equity116,688102,80213.51115,6373.64
Total Shareholders' Equity116,688102,80213.51115,6373.64
Shares Outstanding (actual)5,640,7425,705,064(1.13)5,677,161(2.57)
Income Statement ($000)
 2019 Q42018 Q4Y-Y
Ch (%)
2019 Q3Q-Q
Ch (%)
Net Interest Income9,1888,8433.909,289(4.35)
Provision for Loan Losses(70)190NM630NM
Noninterest Income2,8382,55910.902,894(7.74)
Noninterest Expense9,0068,3248.198,12843.21
Net Income Before Taxes3,3092,57128.703,474(19.00)
Provision for Taxes53034653.18550(14.55)
Net Income2,7792,22524.902,924(19.84)
Per Share Items ($)
 2019 Q42018 Q4Y-Y
Ch (%)
2019 Q3Q-Q
Ch (%)
Book Value per Share20.6918.0214.8020.376.24
Tangible Book Value20.6918.0214.8020.376.24
Diluted EPS Before Extra0.490.3925.640.51(15.69)
Diluted EPS After Extra0.490.3925.640.51(15.69)
Dividends Declared0.16000.145010.340.155012.90
Performance Ratios (%)
 2019 Q42018 Q4Y-Y
Ch (bp)
2019 Q3Q-Q
Ch (bp)
ROAA0.950.82131.02(7)
ROAE9.588.936510.22(64)
Net Interest Margin3.453.57(12)3.55(10)
Loans / Deposits77.3775.4619077.94(58)
Efficiency Ratio73.8271.6921365.73809
Balance Sheet Ratios (%)
 2019 Q42018 Q4Y-Y
Ch (bp)
2019 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.969.365910.09(13)
Equity/ Assets9.969.365910.09(13)
Asset Quality Ratios (%)
 2019 Q42018 Q4Y-Y
Ch (bp)
2019 Q3Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.21NA0.32NA
Loan Loss Reserves/ Gross Loans1.251.2501.28(3)
Loan Loss Reserves/ NPAsNA379.92NA261.50NA
Net Charge-offs/ Avg Loans(0.02)(0.03)10.06(8)
Regulatory Capital Ratios (%)
 2019 Q42018 Q4Y-Y
Ch (bp)
2019 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio13.4013.202013.50(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.



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