ENB Financial Corp (ENBP)

ENB Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	70.59	61.24	41.94	34.25	34.65	33.32
Interest Income on Investments	17.95	16.64	14.02	9.35	7.44	8.42
Total Interest Income	88.55	77.88	55.96	43.59	42.09	41.74
Interest Paid on Deposits	28.37	18.77	2.75	1.14	2.14	3.55
Interest Paid on Borrowings	5.42	5.07	2.63	1.88	1.71	1.57
Total Interest Expense	33.79	23.84	5.38	3.02	3.85	5.12
Net Interest Income	54.76	54.04	50.58	40.57	38.25	36.62
Net Interest Income Growth (YoY)	-0.66%	6.83%	24.68%	6.07%	4.45%	10.55%
Trust Income	3.37	2.88	2.64	2.36	1.97	2.04
Gain (Loss) on Sale of Investments	0.26	-1.5	0.01	1.05	0.73	0.5
Other Non-Interest Income	12.08	10.55	9.61	8.94	6.8	6.83
Total Non-Interest Income	17.35	12.7	13.56	17.88	15.36	11.31
Non-Interest Income Growth (YoY)	40.86%	-6.38%	-24.14%	16.41%	35.86%	11.68%
Revenues Before Loan Losses	72.11	66.74	64.15	58.45	53.61	47.92
Provision for Loan Losses	-1.4	0.52	1.3	0.48	2.95	0.77
Revenue	73.51	66.22	62.85	57.98	50.66	47.15
Revenue Growth (YoY)	11.60%	5.36%	8.40%	14.45%	7.43%	10.72%
Salaries and Employee Benefits	32.7	30.09	27.31	24.47	22.06	21.03
Occupancy Expenses	2.79	2.79	2.52	2.41	2.41	2.43
Selling, General & Administrative	12.51	13.33	10.99	8.78	7.56	6.72
Other Non-Interest Expense	5.89	5.2	5.1	4.79	4.05	3.45
Total Non-Interest Expense	53.89	51.41	45.93	40.44	36.07	33.63
EBT Excluding Unusual Items	19.62	14.81	16.92	17.54	14.58	13.52
Pretax Income	19.62	14.81	16.92	17.54	14.58	13.52
Income Tax Expense	3.5	2.44	2.29	2.62	2.29	2.13
Net Income	16.12	12.38	14.63	14.92	12.3	11.4
Net Income to Common	16.12	12.38	14.63	14.92	12.3	11.4
Net Income Growth	26.65%	-15.42%	-1.91%	21.28%	7.93%	16.88%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change (YoY)	0.73%	1.00%	0.37%	-0.27%	-1.69%	-0.52%
EPS (Basic)	2.85	2.19	2.62	2.68	2.20	2.01
EPS (Diluted)	2.85	2.19	2.62	2.68	2.20	2.01
EPS Growth	25.74%	-16.26%	-2.27%	21.61%	9.79%	17.49%
Dividend Per Share	0.680	0.680	0.680	0.670	0.640	0.620
Dividend Growth	0%	0%	1.49%	4.69%	3.23%	7.83%
Effective Tax Rate	17.86%	16.45%	13.52%	14.94%	15.67%	15.72%

Source: S&P Capital IQ. Banks template. Financial Sources.