ENB Financial Q4 net income down 7.2% to $4.5M; EPS $0.80 vs $0.88

ENB Financial Corp

2023-FY EPS reported $2.19

Net income $4.524M ($0.80 EPS) vs $4.873M ($0.88 EPS) in Q4 2022; full-year net income $12.375M ($2.19 EPS), down 15.4%.
Net interest income fell 7.5% in quarter on a 209.8% surge in deposit and borrowing interest expense.
Provision for credit losses released $1.048M in Q4 vs no provision in prior-year quarter; allowance ratio 1.12%.
Total assets $2.00B (+7.6%), loans $1.36B (+14.2%), deposits $1.73B (+5.4%), equity $119.7M (+22.9%).
Annualized ROA slipped to 0.92% from 1.05%; ROE to 17.98% from 21.73% in Q4 2022.

item 2.02 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.95

ENB Financial Corp reported the fourth quarter of 2023 results: net income $4,524,000, EPS $0.80.

Period: the fourth quarter of 2023
Net income: $4,524,000
EPS: $0.80
Result: reported results

Exact text from the filing

Basic and diluted earnings per share for the fourth quarter of 2023

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Earnings Releases SEC 8-K Item 2.02 confidence 0.95

ENB Financial Corp reported the twelve months ended December 31, 2023 results: net income $12,375,000, EPS $2.19.

Period: the twelve months ended December 31, 2023
Net income: $12,375,000
EPS: $2.19
Result: reported results

Exact text from the filing

Net income for the twelve months ended December 31, 2023, was $12,375,000

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ENB Financial Corp filing history →

Source: SEC EDGAR

accession 0001174947-24-000063

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