| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Interest and fees on loans | 20,676 | 19,974 | ||
| Taxable | 5,131 | 5,031 | ||
| Tax-exempt | 643 | 646 | ||
| Interest on deposits at other banks | 242 | 410 | ||
| Dividend income | 373 | 355 | ||
| Total interest and dividend income | 27,065 | 26,416 | ||
| Interest on deposits | 7,649 | 7,538 | ||
| Interest on borrowings | 1,841 | 1,874 | ||
| Total interest expense | 9,490 | 9,412 | ||
| Net interest income | 17,575 | 17,004 | ||
| Provision (release) for credit losses | 20 | 126 | ||
| Net interest income after provision (release) for credit losses | 17,555 | 16,878 | ||
| Trust and investment services income | 826 | 787 | ||
| Service fees | 1,598 | 1,349 | ||
| Commissions | 1,036 | 1,014 | ||
| Gains on equity securities, net | 63 | 50 | ||
| Losses on the sale of debt securities, net | - | -2 | ||
| Gains on sale of mortgages | 506 | 391 | ||
| Earnings on bank-owned life insurance | 294 | 282 | ||
| Other income | 641 | 454 | ||
| Total other income | 4,964 | 4,325 | ||
| Salaries and employee benefits | 8,955 | 8,357 | ||
| Occupancy | 908 | 873 | ||
| Equipment | 421 | 324 | ||
| Advertising & marketing | 267 | 375 | ||
| Computer software & data processing | 1,739 | 1,781 | ||
| Shares tax | 412 | 382 | ||
| Professional services | 912 | 811 | ||
| Other expense | 1,567 | 1,110 | ||
| Total operating expenses | 15,181 | 14,013 | ||
| Income before income taxes | 7,338 | 7,190 | ||
| Provision for federal income taxes | 1,419 | 1,380 | ||
| Net income | 5,919 | 5,810 | ||
| Earnings per share of common stock (in dollars per share) | 1.04 | 1.02 | ||
| Weighted average shares outstanding (in shares) | 5,684,176 | 5,670,021 | ||
ENB Financial Corp (ENBP)
ENB Financial Corp (ENBP)