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ENB Financial Corp (ENBP)

ENB Financial Corp (ENBP)

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Cash Flow Overview

Change in Cash
$49,456K
Free Cash flow
-$12,984K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net decrease (increase) in loans
    • Net increase in demand, and savi...
    • Loans originated for sale
    • Others
Negative Cash Flow Breakdown
    • Net decrease in time deposits
    • Proceeds from maturities, calls,...
    • Proceeds from sales of loans
    • Others
Cash Flow
2026-03-31
2025-09-30
2025-06-30
Amortization of deferred fees on subordinated debt
-
-40
-80
Net income
-12,021
5,919
10,126
Net amortization of securities premiums and discounts and loan fees
-
-146
-266
Net amortization expense
243
-
-
Decrease in interest receivable
-171
388
-374
Increase (decrease) in interest payable
754
517
-491
(release) provision for credit losses
-654
20
612
Losses on the sale of debt securities, net
-
0
-307
(gains) losses on equity securities, net
-53
63
22
Gains on sale of mortgages
-824
506
830
Loans originated for sale
-23,992
12,864
23,585
Proceeds from sales of loans
-26,203
14,402
26,129
Earnings on bank-owned life insurance
-443
294
553
Gain on sale of other real estate owned
-
101
-
Depreciation of premises and equipment and amortization of software
-958
584
1,045
Deferred income tax
-121
1,717
-653
Amortization of deferred fees on subordinated debt
61
-
-
Stock-based compensation expense
-37
11
33
Other assets and other liabilities, net
2,586
-875
2,466
Net cash provided by operating activities
-16,777
10,015
10,372
Proceeds from maturities, calls, and repayments
-33,780
11,441
36,322
Available For Sale Securities Debt
5,597
0
12,246
Purchases
-
0
19,993
Other Assets Investing Activities
-492
425
128
Purchases
-225
110
222
Proceeds from sale of other real estate owned
-
-1,090
-
Purchase of regulatory bank stock
408
161
535
Redemptions of regulatory bank stock
774
264
354
Purchase of bank-owned life insurance
-
5
-
Proceeds from bank-owned life insurance
1,640
-
0
Net decrease (increase) in loans
-71,727
20,036
36,230
Purchases of premises and equipment, net
-3,793
2,113
2,498
Net cash paid for acquisition
968
-
-
Purchase of computer software
-172
104
80
Net cash provided by investing activities
67,188
-9,309
-10,508
Treasury stock purchased
-
-
0
Net increase in demand, and savings accounts
59,814
-19,690
728
Net decrease in time deposits
-47,570
7,913
5,355
Repayments of long-term debt
-5,200
5,000
8,000
Repayment of subordinated debt
20,000
-
-
Dividends paid
-2,036
1,023
2,038
Proceeds from sale of treasury stock
-435
225
451
Net cash used for financing activities
-955
-17,575
-3,504
Increase in cash and cash equivalents
49,456
-16,869
-3,640
Cash and cash equivalents at beginning of period
48,400
68,909
-
Cash and cash equivalents at end of period
89,520
48,400
-
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net decrease(increase) in loans-$71,727K something is missing$18,908K Available For SaleSecurities Debt$5,597K Purchases of premises andequipment, net-$3,793K Proceeds from bank-ownedlife insurance$1,640K Redemptions of regulatorybank stock$774K Purchases-$225K Purchase of computersoftware-$172K Net cash provided byinvesting activities$67,188K Canceled cashflow$35,648K Increase in cash and cashequivalents$49,456K Canceled cashflow$17,732K Proceeds frommaturities, calls, and...-$33,780K Net cash paid foracquisition$968K Other AssetsInvesting Activities-$492K Purchase of regulatorybank stock$408K Loans originated forsale-$23,992K Gains on sale ofmortgages-$824K Increase (decrease) ininterest payable$754K Earnings on bank-ownedlife insurance-$443K Net amortizationexpense$243K Decrease in interestreceivable-$171K Amortization of deferred feeson subordinated...$61K (gains) losses on equitysecurities, net-$53K Net increase indemand, and savings...$59,814K Repayments of long-termdebt-$5,200K Dividends paid-$2,036K Net cash provided byoperating activities-$16,777K Net cash used forfinancing activities-$955K Canceled cashflow$26,541K Canceled cashflow$67,050K Proceeds from sales ofloans-$26,203K Net decrease in timedeposits-$47,570K Net income-$12,021K Other assets and otherliabilities, net$2,586K Depreciation of premises andequipment and...-$958K (release) provision forcredit losses-$654K Deferred income tax-$121K Stock-based compensationexpense-$37K Repayment of subordinateddebt$20,000K Proceeds from sale oftreasury stock-$435K