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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 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves718,356628,21814.35710,1354.63
Loans Held for Sale, before Reserves3,4732,43642.572,688116.82
Loan Loss Reserve8,9578,1719.628,8863.20
Net Loans Receivable712,872622,48314.52703,9375.08
Intangible Assets000.0000.00
Total Assets1,131,6451,049,8867.791,112,1986.99
Deposits941,606878,0697.24929,8015.08
Debt, Senior and Subordinated75,63071,0996.3773,51311.52
Common Equity112,51498,74313.95106,85821.17
Total Shareholders' Equity112,51498,74313.95106,85821.17
Shares Outstanding (actual)5,698,3845,715,408(0.30)5,694,4520.28
Income Statement ($000)
 2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Net Interest Income9,1588,05513.698,9837.79
Provision for Loan Losses3090(66.67)180(333.33)
Noninterest Income2,6292,674(1.68)2,44629.93
Noninterest Expense8,2178,1670.618,282(3.14)
Net Income Before Taxes3,6732,42651.403,06579.35
Provision for Taxes58430094.67462105.63
Net Income3,0892,12645.302,60374.68
Per Share Items ($)
 2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Book Value per Share19.7417.2814.2918.7720.88
Tangible Book Value19.7417.2814.2918.7720.88
Diluted EPS Before Extra0.540.3745.950.4674.73
Diluted EPS After Extra0.540.3745.950.4674.73
Dividends Declared0.15000.14503.450.15000.00
Performance Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
ROAA1.110.82290.9714
ROAE11.488.8026810.22126
Net Interest Margin3.563.41153.59(3)
Loans / Deposits76.2971.5547576.37(8)
Efficiency Ratio68.6073.31(471)71.20(260)
Balance Sheet Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.949.41549.6133
Equity/ Assets9.949.41549.6133
Asset Quality Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.160.1240.160
Loan Loss Reserves/ Gross Loans1.241.30(5)1.25(1)
Loan Loss Reserves/ NPAs495.14642.37(14,724)488.51663
Net Charge-offs/ Avg Loans(0.02)0.00(2)(0.02)0
Regulatory Capital Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio13.6013.80(20)13.3030
   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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