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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 Q3
2019 Q3
Y-Y
Ch (%)
2020 Q2
Q-Q
Ch (%)
†
Loans Held for Investment, before Reserves
843,177
738,104
14.24
835,969
3.45
Loans Held for Sale, before Reserves
5,008
1,578
217.36
2,295
472.85
Loan Loss Reserve
11,996
9,474
26.62
10,770
45.53
Net Loans Receivable
836,189
730,208
14.51
827,494
4.20
Intangible Assets
0
0
0.00
0
0.00
Total Assets
1,317,001
1,145,998
14.92
1,299,476
5.39
Deposits
1,126,821
946,991
18.99
1,107,914
6.83
Debt, Senior and Subordinated
62,294
80,948
(23.04)
65,900
(21.89)
Common Equity
125,308
115,637
8.36
122,162
10.30
Total Shareholders' Equity
125,308
115,637
8.36
122,162
10.30
Shares Outstanding (actual)
5,566,413
5,677,161
(1.95)
5,574,601
(0.59)
Income Statement ($000)
2020 Q3
2019 Q3
Y-Y
Ch (%)
2020 Q2
Q-Q
Ch (%)
†
Net Interest Income
9,542
9,289
2.72
9,469
3.08
Provision for Loan Losses
1,250
630
98.41
975
112.82
Noninterest Income
4,373
2,894
51.11
3,696
73.27
Noninterest Expense
9,198
8,128
13.16
8,244
46.29
Net Income Before Taxes
3,468
3,474
(0.17)
4,318
(78.74)
Provision for Taxes
533
550
(3.09)
719
(103.48)
Net Income
2,935
2,924
0.38
3,599
(73.80)
Per Share Items ($)
2020 Q3
2019 Q3
Y-Y
Ch (%)
2020 Q2
Q-Q
Ch (%)
†
Book Value per Share
22.51
20.37
10.52
21.91
10.90
Tangible Book Value
22.51
20.37
10.52
21.91
10.90
Diluted EPS Before Extra
0.53
0.51
3.92
0.64
(68.75)
Diluted EPS After Extra
0.53
0.51
3.92
0.64
(68.75)
Dividends Declared
0.1600
0.1550
3.23
0.1600
0.00
Performance Ratios (%)
2020 Q3
2019 Q3
Y-Y
Ch (bp)
2020 Q2
Q-Q
Ch (bp)
ROAA
0.89
1.02
(13)
1.14
(25)
ROAE
9.46
10.22
(76)
12.31
(285)
Net Interest Margin
3.16
3.55
(39)
3.24
(8)
Loans / Deposits
74.83
77.94
(311)
75.45
(63)
Efficiency Ratio
65.10
65.73
(63)
61.90
320
Balance Sheet Ratios (%)
2020 Q3
2019 Q3
Y-Y
Ch (bp)
2020 Q2
Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets
9.51
10.09
(58)
9.40
11
Equity/ Assets
9.51
10.09
(58)
9.40
11
Asset Quality Ratios (%)
2020 Q3
2019 Q3
Y-Y
Ch (bp)
2020 Q2
Q-Q
Ch (bp)
Nonperforming Assets/ Assets
0.48
0.32
17
0.22
27
Loan Loss Reserves/ Gross Loans
1.41
1.28
13
1.28
13
Loan Loss Reserves/ NPAs
188.65
261.50
(7,285)
381.10
(19,246)
Net Charge-offs/ Avg Loans
0.01
0.06
(5)
0.00
1
Regulatory Capital Ratios (%)
2020 Q3
2019 Q3
Y-Y
Ch (bp)
2020 Q2
Q-Q
Ch (bp)
Tier 1 Capital Ratio
12.20
13.50
(130)
12.30
(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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