ENB Financial Corp. reported earnings results for the fourth quarter and full year ended December 31, 2012. For the quarter, the company reported net income of $1,522,000, a $346,000, or 18.5% decrease, from the $1,868,000 earned for the fourth quarter of 2011. Basic and diluted earnings per share were $0.53 compared to $0.65 for the same period in 2011. Annualized return on average assets (ROA) and return on average stockholders' equity (ROE) were 0.77% and 6.78% respectively, compared with 0.97% and 9.18% for the same periods in 2011.

For the year, the company's net income was $7,642,000, a $494,000 or 6.9% increase, over 2011. Basic and diluted earnings per share were $2.68 in 2012 compared to $2.50 in 2011. The increase in the company's earnings for the year ended December 31, 2012, can be attributed to a large credit provision for loan losses. The company's core earnings or net interest income (NII) of $21,854,000 for the year ended December 31, 2012, represents a decrease of $1,133,000, or 4.9%, from the same period last year. Annualized ROA was 0.98%, compared to 0.95% in 2011, while the ROE was 8.87%, compared to 9.22% in 2011.