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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 ReservesNA2,436NA2,688NA
Loan Loss Reserve8,9578,1719.628,8863.20
Net Loans ReceivableNA622,483NA703,937NA
Intangible Assets000.0000.00
Total Assets1,131,6451,049,8867.791,112,1986.99
Deposits941,606878,0697.24929,8015.08
Debt, Senior and SubordinatedNA71,099NA73,513NA
Common Equity112,51498,74313.95106,85821.17
Total Shareholders' Equity112,51498,74313.95106,85821.17
Shares Outstanding (actual)NA5,715,408NA5,694,452NA
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 ShareNA17.28NA18.77NA
Tangible Book ValueNA17.28NA18.77NA
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/ AssetsNA0.12NA0.16NA
Loan Loss Reserves/ Gross LoansNA1.30NA1.25NA
Loan Loss Reserves/ NPAsNA641.87NA488.51NA
Net Charge-offs/ Avg LoansNA0.00NA(0.02)NA
Regulatory Capital Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.80NA13.30NA
   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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