Investor Search
  • Entire IR Site
    Press Releases Only
    Filings Only
Financial Highlights
Social media sharingEmail pagePDF viewPrint viewEmail Alert
ENB FINANCIAL CORP (OTCQX - ENBP)
Trend Analysis--Annual (click here for Quarterly Analysis)

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2020Y2019Y2020/
2019
Ch (%)
2018Y2019/
2018
Ch (%)
Loans Held for Investment, before Reserves823,370753,6189.26694,0738.58
Loans Held for Sale, before Reserves3,0292,34229.331,42963.89
Loan Loss Reserve12,3279,44730.498,6669.01
Net Loans Receivable814,072746,5139.05686,8368.69
Intangible Assets000.0000.00
Total Assets1,462,3131,171,75024.801,097,8426.73
Deposits1,252,811974,08828.61919,7345.91
Debt, Senior and Subordinated75,13178,988(4.88)73,2567.82
Common Equity130,216116,68811.59102,80213.51
Total Shareholders' Equity130,216116,68811.59102,80213.51
Shares Outstanding (actual)5,566,2305,640,742(1.32)5,705,064(1.13)
Income Statement ($000)
 2020Y2019Y2020/
2019
Ch (%)
2018Y2019/
2018
Ch (%)
Net Interest Income38,24836,6184.4533,12410.55
Provision for Loan Losses2,950770283.1266016.67
Noninterest Income14,62710,80735.3510,4153.76
Noninterest Expense36,07433,6337.2632,4463.66
Net Income Before Taxes14,58413,5217.8611,05522.31
Provision for Taxes2,2852,1267.481,30662.79
Net Income12,29911,3957.939,74916.88
Per Share Items ($)
 2020Y2019Y2020/
2019
Ch (%)
2018Y2019/
2018
Ch (%)
Book Value per Share23.3920.6913.0918.0214.80
Tangible Book Value23.3920.6913.0918.0214.80
Diluted EPS Before Extra2.202.019.451.7117.54
Diluted EPS After Extra2.202.019.451.7117.54
Dividends Declared0.64000.62502.400.57508.70
Performance Ratios (%)
 2020Y2019Y2020/
2019
Ch (bp)
2018Y2019/
2018
Ch (bp)
ROAA0.961.01(5)0.938
ROAE10.1610.36(20)9.9442
Net Interest Margin3.243.53(29)3.467
Loans / Deposits65.7277.37(1,164)75.46190
Efficiency Ratio67.1969.82(263)71.58(176)
Balance Sheet Ratios (%)
 2020Y2019Y2020/
2019
Ch (bp)
2018Y2019/
2018
Ch (bp)
Tangible Equity/ Tangible Assets8.909.96(105)9.3659
Equity/ Assets8.909.96(105)9.3659
Asset Quality Ratios (%)
 2020Y2019Y2020/
2019
Ch (bp)
2018Y2019/
2018
Ch (bp)
Nonperforming Assets/ AssetsNA0.34NA0.2113
Loan Loss Reserves/ Gross Loans1.491.25241.250
Loan Loss Reserves/ NPAsNA237.24NA379.92(14,268)
Net Charge-offs/ Avg Loans0.01(0.00)10.04(4)
Regulatory Capital Ratios (%)
 2020Y2019Y2020/
2019
Ch (bp)
2018Y2019/
2018
Ch (bp)
Tier 1 Capital Ratio12.8013.40(60)13.2020

Copyright 2021, © S&P Global Market Intelligence  Terms of Use
 
31 East Main Street, Ephrata, PA 17522     Local Calls: (717) 733-4181 - Toll Free: (877) 773-6605
Copyright © 2021 ENB Financial Corp. All rights reserved.
Privacy Policy, Warranties, and Disclaimers