For the quarter ending 2025-09-30, ENBP had -$16,869K decrease in cash & cash equivalents over the period. $7,902K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 5,919 | 10,126 |
| Net amortization of securities premiums and discounts and loan fees | -146 | -266 |
| Increase in interest receivable | 388 | -374 |
| Increase in interest payable | 517 | -491 |
| Provision (release) for credit losses | 20 | 612 |
| Losses on the sale of debt securities, net | 0 | -307 |
| Gains on equity securities, net | 63 | 22 |
| Gains on sale of mortgages | 506 | 830 |
| Loans originated for sale | 12,864 | 23,585 |
| Proceeds from sales of loans | 14,402 | 26,129 |
| Earnings on bank-owned life insurance | 294 | 553 |
| Gain on sale of other real estate owned | 101 | - |
| Depreciation of premises and equipment and amortization of software | 584 | 1,045 |
| Deferred income tax | 1,717 | -653 |
| Amortization of deferred fees on subordinated debt | -40 | -80 |
| Stock-based compensation expense | 11 | 33 |
| Other assets and other liabilities, net | -875 | 2,466 |
| Net cash provided by operating activities | 10,015 | 10,372 |
| Proceeds from maturities, calls, and repayments | 11,441 | 36,322 |
| Proceeds from sales | 0 | 12,246 |
| Purchases | 0 | 19,993 |
| Proceeds from sales | 425 | 128 |
| Purchases | 110 | 222 |
| Proceeds from sale of other real estate owned | -1,090 | - |
| Purchase of regulatory bank stock | 161 | 535 |
| Redemptions of regulatory bank stock | 264 | 354 |
| Purchase of bank-owned life insurance | 5 | - |
| Net increase in loans | 20,036 | 36,230 |
| Proceeds from bank-owned life insurance | - | 0 |
| Purchases of premises and equipment, net | 2,113 | 2,498 |
| Purchase of computer software | 104 | 80 |
| Net cash used for investing activities | -9,309 | -10,508 |
| Treasury stock purchased | - | 0 |
| Net (decrease) increase in demand and savings accounts | -19,690 | 728 |
| Net increase in time deposits | 7,913 | 5,355 |
| Repayments of long-term debt | 5,000 | 8,000 |
| Dividends paid | 1,023 | 2,038 |
| Proceeds from sale of treasury stock | 225 | 451 |
| Net cash (used for) provided by financing activities | -17,575 | -3,504 |
| Decrease in cash and cash equivalents | -16,869 | -3,640 |
| Cash and cash equivalents at beginning of period | 68,909 | - |
| Cash and cash equivalents at end of period | 48,400 | - |
ENB Financial Corp (ENBP)
ENB Financial Corp (ENBP)