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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)
 2021 Q12020 Q1Y-Y
Ch (%)
2020 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves841,934764,12010.18823,3709.02
Loans Held for Sale, before ReservesNA2,419NA3,029NA
Loan Loss Reserve12,6909,80329.4512,32711.78
Net Loans ReceivableNA756,736NA814,072NA
Intangible Assets000.0000.00
Total Assets1,531,8891,177,99630.041,462,31319.03
Deposits1,325,387982,85234.851,252,81123.17
Debt, Senior and Subordinated72,41275,903(4.60)75,131(14.48)
Common Equity128,821116,50610.57130,216(4.29)
Total Shareholders' Equity128,821116,50610.57130,216(4.29)
Shares Outstanding (actual)NA5,598,501NA5,566,230NA
Income Statement ($000)
 2021 Q12020 Q1Y-Y
Ch (%)
2020 Q4Q-Q
Ch (%)
Net Interest Income9,6799,2165.0210,021(13.65)
Provision for Loan Losses3753507.143750.00
Noninterest Income4,9832,71583.543,843118.66
Noninterest Expense9,1879,1100.859,522(14.07)
Net Income Before Taxes5,4352,523115.424,275108.54
Provision for Taxes931358160.06675151.70
Net Income4,5042,165108.043,600100.44
Per Share Items ($)
 2021 Q12020 Q1Y-Y
Ch (%)
2020 Q4Q-Q
Ch (%)
Book Value per ShareNA20.81NA23.39NA
Tangible Book ValueNA20.81NA23.39NA
Diluted EPS Before Extra0.810.38113.160.6598.46
Diluted EPS After Extra0.810.38113.160.6598.46
Dividends Declared0.16000.16000.000.16000.00
Performance Ratios (%)
 2021 Q12020 Q1Y-Y
Ch (bp)
2020 Q4Q-Q
Ch (bp)
ROAA1.240.74501.0519
ROAE14.007.4265811.40260
Net Interest Margin2.863.41(55)3.18(32)
Loans / Deposits63.5277.75(1,422)65.72(220)
Efficiency Ratio61.5075.31(1,381)67.50(600)
Balance Sheet Ratios (%)
 2021 Q12020 Q1Y-Y
Ch (bp)
2020 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.419.89(148)8.90(50)
Equity/ Assets8.419.89(148)8.90(50)
Asset Quality Ratios (%)
 2021 Q12020 Q1Y-Y
Ch (bp)
2020 Q4Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.33NANANA
Loan Loss Reserves/ Gross LoansNA1.28NA1.49NA
Loan Loss Reserves/ NPAsNA251.23NANANA
Net Charge-offs/ Avg LoansNA(0.00)NA0.02NA
Regulatory Capital Ratios (%)
 2021 Q12020 Q1Y-Y
Ch (bp)
2020 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.10NA12.80NA
   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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