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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)
2020 Q2
2019 Q2
Y-Y
Ch (%)
2020 Q1
Q-Q
Ch (%)
†
Loans Held for Investment, before Reserves
835,969
718,356
16.37
764,120
37.61
Loans Held for Sale, before Reserves
2,295
3,473
(33.92)
2,419
(20.50)
Loan Loss Reserve
10,770
8,957
20.24
9,803
39.46
Net Loans Receivable
827,494
712,872
16.08
756,736
37.40
Intangible Assets
0
0
0.00
0
0.00
Total Assets
1,299,476
1,131,645
14.83
1,177,996
41.25
Deposits
1,107,914
941,606
17.66
982,852
50.90
Debt, Senior and Subordinated
65,900
75,630
(12.87)
75,903
(52.71)
Common Equity
122,162
112,514
8.57
116,506
19.42
Total Shareholders' Equity
122,162
112,514
8.57
116,506
19.42
Shares Outstanding (actual)
5,574,601
5,692,384
(2.07)
5,598,501
(1.71)
Income Statement ($000)
2020 Q2
2019 Q2
Y-Y
Ch (%)
2020 Q1
Q-Q
Ch (%)
†
Net Interest Income
9,469
9,158
3.40
9,216
10.98
Provision for Loan Losses
975
30
3,150.00
350
714.29
Noninterest Income
3,696
2,629
40.59
2,715
144.53
Noninterest Expense
8,244
8,217
0.33
9,110
(38.02)
Net Income Before Taxes
4,318
3,673
17.56
2,523
284.58
Provision for Taxes
719
584
23.12
358
403.35
Net Income
3,599
3,089
16.51
2,165
264.94
Per Share Items ($)
2020 Q2
2019 Q2
Y-Y
Ch (%)
2020 Q1
Q-Q
Ch (%)
†
Book Value per Share
21.91
19.77
10.87
20.81
21.22
Tangible Book Value
21.91
19.77
10.87
20.81
21.22
Diluted EPS Before Extra
0.64
0.54
18.52
0.38
273.68
Diluted EPS After Extra
0.64
0.54
18.52
0.38
273.68
Dividends Declared
0.1600
0.1600
0.00
0.1600
0.00
Performance Ratios (%)
2020 Q2
2019 Q2
Y-Y
Ch (bp)
2020 Q1
Q-Q
Ch (bp)
ROAA
1.14
1.11
3
0.74
40
ROAE
12.31
11.48
83
7.42
489
Net Interest Margin
3.24
3.56
(32)
3.41
(17)
Loans / Deposits
75.45
76.29
(84)
77.75
(229)
Efficiency Ratio
61.90
68.60
(670)
75.31
(1,341)
Balance Sheet Ratios (%)
2020 Q2
2019 Q2
Y-Y
Ch (bp)
2020 Q1
Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets
9.40
9.94
(54)
9.89
(49)
Equity/ Assets
9.40
9.94
(54)
9.89
(49)
Asset Quality Ratios (%)
2020 Q2
2019 Q2
Y-Y
Ch (bp)
2020 Q1
Q-Q
Ch (bp)
Nonperforming Assets/ Assets
0.22
0.16
6
0.33
(11)
Loan Loss Reserves/ Gross Loans
1.28
1.24
4
1.28
1
Loan Loss Reserves/ NPAs
381.10
495.14
(11,403)
251.23
12,987
Net Charge-offs/ Avg Loans
0.00
(0.02)
3
(0.00)
1
Regulatory Capital Ratios (%)
2020 Q2
2019 Q2
Y-Y
Ch (bp)
2020 Q1
Q-Q
Ch (bp)
Tier 1 Capital Ratio
12.30
13.60
(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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