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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)
2019 Q3
2018 Q3
Y-Y
Ch (%)
2019 Q2
Q-Q
Ch (%)
†
Loans Held for Investment, before Reserves
738,104
667,769
10.53
718,356
11.00
Loans Held for Sale, before Reserves
1,578
2,804
(43.72)
3,473
(218.26)
Loan Loss Reserve
9,474
8,428
12.41
8,957
23.09
Net Loans Receivable
730,208
662,145
10.28
712,872
9.73
Intangible Assets
0
0
0.00
0
0.00
Total Assets
1,145,998
1,062,195
7.89
1,131,645
5.07
Deposits
946,991
890,926
6.29
941,606
2.29
Debt, Senior and Subordinated
80,948
69,435
16.58
75,630
28.13
Common Equity
115,637
99,202
16.57
112,514
11.10
Total Shareholders' Equity
115,637
99,202
16.57
112,514
11.10
Shares Outstanding (actual)
5,677,161
5,722,548
(0.79)
5,698,384
(1.49)
Income Statement ($000)
2019 Q3
2018 Q3
Y-Y
Ch (%)
2019 Q2
Q-Q
Ch (%)
†
Net Interest Income
9,289
8,476
9.59
9,158
5.72
Provision for Loan Losses
630
190
231.58
30
8,000.00
Noninterest Income
2,894
2,780
4.10
2,629
40.32
Noninterest Expense
8,128
8,071
0.71
8,217
(4.33)
Net Income Before Taxes
3,474
3,002
15.72
3,673
(21.67)
Provision for Taxes
550
425
29.41
584
(23.29)
Net Income
2,924
2,577
13.47
3,089
(21.37)
Per Share Items ($)
2019 Q3
2018 Q3
Y-Y
Ch (%)
2019 Q2
Q-Q
Ch (%)
†
Book Value per Share
20.37
17.34
17.50
19.74
12.64
Tangible Book Value
20.37
17.34
17.50
19.74
12.64
Diluted EPS Before Extra
0.51
0.45
13.33
0.54
(22.22)
Diluted EPS After Extra
0.51
0.45
13.33
0.54
(22.22)
Dividends Declared
0.1550
0.1450
6.90
0.1500
13.33
Performance Ratios (%)
2019 Q3
2018 Q3
Y-Y
Ch (bp)
2019 Q2
Q-Q
Ch (bp)
ROAA
1.02
0.97
5
1.11
(9)
ROAE
10.22
10.33
(11)
11.48
(126)
Net Interest Margin
3.55
3.52
3
3.56
(1)
Loans / Deposits
77.94
74.95
299
76.29
165
Efficiency Ratio
65.73
70.35
(462)
68.60
(287)
Balance Sheet Ratios (%)
2019 Q3
2018 Q3
Y-Y
Ch (bp)
2019 Q2
Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets
10.09
9.34
75
9.94
15
Equity/ Assets
10.09
9.34
75
9.94
15
Asset Quality Ratios (%)
2019 Q3
2018 Q3
Y-Y
Ch (bp)
2019 Q2
Q-Q
Ch (bp)
Nonperforming Assets/ Assets
0.32
0.14
18
0.16
16
Loan Loss Reserves/ Gross Loans
1.28
1.26
2
1.24
4
Loan Loss Reserves/ NPAs
261.50
572.55
(31,106)
495.14
(23,364)
Net Charge-offs/ Avg Loans
0.06
(0.04)
10
(0.02)
8
Regulatory Capital Ratios (%)
2019 Q3
2018 Q3
Y-Y
Ch (bp)
2019 Q2
Q-Q
Ch (bp)
Tier 1 Capital Ratio
13.50
13.50
0
13.60
(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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