ENB Financial Corp. reported unaudited consolidated earnings results for the fourth quarter and year ended December 31, 2014. For the quarter, the company reported net income of $1,802,000, a $337,000, or 15.8% decrease, from the $2,139,000 earned during the fourth quarter of 2013. Basic and diluted earnings per share were $0.63 compared to $0.75 for the same period in 2013. The corporation's annualized return on average assets (ROA) and return on average stockholders equity (ROE) for the fourth quarter of 2014 were 0.83% and 7.78%, respectively, compared with 1.05% and 10.04% for the fourth quarter of 2013.

For the year, the company reported net income of $7,092,000, a $618,000, or 8.0% decrease, from 2013. Earnings per share were $2.48 in 2014 compared to $2.70 in 2013. The corporation's core earnings or net interest income (NII) of $22,461,000 for the year ended December 31, 2014, represents an increase of $937,000, or 4.4%, compared to $21,524,000 from the same period last year. The increase in NII was caused by an increase of $231,000, or 0.9%, in total interest income, as well as a decrease in deposit costs of $399,000, an 11.4% reduction, and a decrease in borrowing costs of $307,000, a 16.2% reduction. The increase in total interest income was caused by higher levels of loan and security income. For the year ended December 31, 2014, the Corporation's annualized ROA was 0.84%, compared to 0.96% in 2013, while the ROE was 7.98%, compared to 8.92% for the same period in 2013. Income before taxes was $8,638,000 compared to $9,211,000 a year ago.