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ENB FINANCIAL CORP (OTCQX - ENBP)
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
 2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves710,135609,51516.51694,0739.26
Loans Held for Sale, before Reserves2,6882,6401.821,429352.41
Loan Loss Reserve8,8868,0839.938,66610.15
Net Loans Receivable703,937604,07216.53686,8369.96
Intangible Assets000.0000.00
Total Assets1,112,1981,030,3097.951,097,8425.23
Deposits929,801856,1998.60919,7344.38
Debt, Senior and Subordinated73,51374,133(0.84)73,2561.40
Common Equity106,85897,5349.56102,80215.78
Total Shareholders' Equity106,85897,5349.56102,80215.78
Shares Outstanding (actual)2,847,2262,853,479(0.22)2,852,532(0.74)
Income Statement ($000)
 2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Net Interest Income8,9837,75015.918,8436.33
Provision for Loan Losses180190(5.26)190(21.05)
Noninterest Income2,4462,4021.832,559(17.66)
Noninterest Expense8,2827,8845.058,324(2.02)
Net Income Before Taxes3,0653,0560.292,57176.86
Provision for Taxes46223596.60346134.10
Net Income2,6032,821(7.73)2,22567.96
Per Share Items ($)
 2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Book Value per Share37.5334.189.8036.0416.56
Tangible Book Value37.5334.189.8036.0416.56
Diluted EPS Before Extra0.910.99(8.08)0.7866.67
Diluted EPS After Extra0.910.99(8.08)0.7866.67
Dividends Declared0.30000.28007.140.290013.79
Performance Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
ROAA0.971.12(15)0.8215
ROAE10.2211.72(150)8.93129
Net Interest Margin3.593.34253.572
Loans / Deposits76.3771.1951975.4691
Efficiency Ratio71.2068.5027071.69(49)
Balance Sheet Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.619.47149.3624
Equity/ Assets9.619.47149.3624
Asset Quality Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.160.1160.170
Loan Loss Reserves/ Gross Loans1.251.32(7)1.250
Loan Loss Reserves/ NPAs488.51733.48(24,497)472.781,573
Net Charge-offs/ Avg Loans(0.02)0.23(25)(0.03)1
Regulatory Capital Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio13.3013.89(59)13.2010
   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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