Financial insights of ENBP

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-09-30	2025-06-30
Interest and fees on loans	22,379	20,676	19,974
Taxable	4,224	5,131	5,031
Tax-exempt	640	643	646
Interest on deposits at other banks	222	242	410
Dividend income	344	373	355
Total interest and dividend income	27,809	27,065	26,416
Interest on deposits	6,398	7,649	7,538
Interest on borrowings	2,482	1,841	1,874
Total interest expense	8,880	9,490	9,412
Net interest income	18,929	17,575	17,004
(release) provision for credit losses	-22	20	126
Net interest income after (release) provision for credit losses	18,951	17,555	16,878
Trust and investment services income	1,057	826	787
Service fees	970	1,598	1,349
Commissions	1,058	1,036	1,014
Gain (loss) on equity securities, net	32	63	50
Losses on the sale of debt securities, net	-	-	-2
Gains on sale of mortgages	512	506	391
Earnings on bank-owned life insurance	404	294	282
Other income	346	641	454
Total other income	4,379	4,964	4,325
Salaries and employee benefits	9,537	8,955	8,357
Occupancy	1,105	908	873
Equipment	532	421	324
Advertising & marketing	348	267	375
Computer software & data processing	2,089	1,739	1,781
Shares tax	449	412	382
Professional services	956	912	811
Core deposit intangible amortization	83	-	-
Merger and conversion related expenses	2,157	-	-
Other expenses	1,028	1,567	1,110
Total operating expenses	18,284	15,181	14,013
Income before income taxes	5,046	7,338	7,190
Provision for income taxes	1,022	1,419	1,380
Net income	4,024	5,919	5,810

Basic EPS	0.71	1.04	1.02
Diluted EPS	0.71	-	-
Basic Average Shares	5,694,472	5,684,176	5,670,021
Diluted Average Shares	5,696,420	-	-

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.