ENB Financial Corp (ENBP)

ENB Financial Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	-	73.06	61.24	41.94	34.25	34.65
Interest Income on Investments	-	19.81	16.64	14.02	9.35	7.44
Total Interest Income	-	92.87	77.88	55.96	43.59	42.09
Interest Paid on Deposits	-	30.41	18.77	2.75	1.14	2.14
Interest Paid on Borrowings	-	5.71	5.07	2.63	1.88	1.71
Total Interest Expense	-	36.13	23.84	5.38	3.02	3.85
Net Interest Income	62.57	56.74	54.04	50.58	40.57	38.25
Net Interest Income Growth (YoY)	15.98%	5.00%	6.83%	24.68%	6.07%	4.45%
Trust Income	3.67	3.67	2.88	2.64	2.36	1.97
Gain (Loss) on Sale of Investments	0.16	0.16	-1.5	0.01	1.05	0.73
Other Non-Interest Income	12.02	12.48	10.55	9.61	8.94	6.8
Total Non-Interest Income	17.67	18.13	12.7	13.56	17.88	15.36
Non-Interest Income Growth (YoY)	7.95%	42.77%	-6.38%	-24.14%	16.41%	35.86%
Revenues Before Loan Losses	80.24	74.87	66.74	64.15	58.45	53.61
Provision for Loan Losses	2.48	1.02	0.52	1.3	0.48	2.95
Revenue	77.76	73.86	66.22	62.85	57.98	50.66
Revenue Growth (YoY)	6.94%	11.54%	5.36%	8.40%	14.45%	7.43%
Salaries and Employee Benefits	33.98	33.98	30.09	27.31	24.47	22.06
Occupancy Expenses	2.84	2.84	2.79	2.52	2.41	2.41
Selling, General & Administrative	12.55	12.55	13.33	10.99	8.78	7.56
Other Non-Interest Expense	7.28	5.86	5.2	5.1	4.79	4.05
Total Non-Interest Expense	56.65	55.23	51.41	45.93	40.44	36.07
EBT Excluding Unusual Items	21.11	18.63	14.81	16.92	17.54	14.58
Pretax Income	21.11	18.63	14.81	16.92	17.54	14.58
Income Tax Expense	3.92	3.31	2.44	2.29	2.62	2.29
Net Income	17.19	15.32	12.38	14.63	14.92	12.3
Net Income to Common	17.19	15.32	12.38	14.63	14.92	12.3
Net Income Growth	4.86%	23.77%	-15.42%	-1.91%	21.28%	7.93%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change (YoY)	0.01%	0.24%	1.00%	0.37%	-0.27%	-1.69%
EPS (Basic)	3.04	2.71	2.19	2.62	2.68	2.20
EPS (Diluted)	3.04	2.71	2.19	2.62	2.68	2.20
EPS Growth	4.85%	23.47%	-16.26%	-2.27%	21.61%	9.79%
Dividend Per Share	0.710	0.690	0.680	0.680	0.670	0.640
Dividend Growth	4.41%	1.47%	-	1.49%	4.69%	3.23%
Effective Tax Rate	18.58%	17.76%	16.45%	13.52%	14.94%	15.67%

Updated Jan 22, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.