![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-11.jpg)
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-12.jpg)
MEETING AGENDA
• Welcome
• Vote on Matters of the Proxy Statement
• Discussion of Condition of Company
Ø President’s Remarks
Ø Financial Review
Ø Lending Review
Ø ENB’s Money Management Group
• Questions & Answers
• Vote Results
• Adjournment
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-13.jpg)
PRESENTERS
• Aaron L. Groff, Jr.
Ø President, CEO and Board Chairman - ENB Financial Corp
and Ephrata National Bank
and Ephrata National Bank
• Paul W. Wenger
Ø Vice President and Corporate Secretary - ENB Financial Corp
• Scott E. Lied
Ø Treasurer - - ENB Financial Corp
• Dale G. Burkholder
Ø Senior Vice President and Senior Loan Officer - Ephrata National Bank
• William L. Barnett
Ø Vice President - ENB’s Money Management Group
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-14.jpg)
VOTING PROCESS
Proxy Holders
• Janice S. Eaby
• John H. Shuey
Judges of Election
• Richard H. Binner
• Roger S. Kline
• William M. Rohrbach
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-15.jpg)
MATTERS OF PROXY
• Elect four (4) Class A directors to serve
three-year terms
three-year terms
• Elect three (3) Class B directors to serve
two-year terms
two-year terms
• Elect three (3) Class C directors to serve
one-year terms
one-year terms
• Other Business
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-16.jpg)
BOARD CLASSIFICATION
Purpose of classifying the directors:
• Structure better promotes continuity and
stability
stability
• Encourages decision-making by board
members based on long-term results
members based on long-term results
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-17.jpg)
CURRENT DIRECTORS
Class A Election (3 Year Term)
• Aaron L. Groff, Jr.
• J. Harold Summers
• Paul M. Zimmerman, Jr.
• Thomas H. Zinn
Class B Election (2 Year Term)
• Willis R. Lefever
• Donald Z. Musser
• Bonnie R. Sharp
Class C Election (1 Year Term)
• Susan Y. Nicholas
• Mark C. Wagner
• Paul W. Wenger
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-18.jpg)
PRESIDENT’S REMARKS
• Aaron L. Groff, Jr.
Ø President/CEO - - ENB Financial Corp
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-19.jpg)
MISSION
• To remain an independent community bank of
undisputed integrity, serving the communities of
Northern Lancaster County and beyond.
undisputed integrity, serving the communities of
Northern Lancaster County and beyond.
• To offer state-of-the-art financial products and
services of high quality and value at an affordable
price.
services of high quality and value at an affordable
price.
• To provide unsurpassed personal service,
delivered by a highly dedicated professional team.
delivered by a highly dedicated professional team.
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-110.jpg)
WE CARE
• Courteous
• Accurate
• Responsive
• Empowered
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-111.jpg)
BANKING CLIMATE
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-112.jpg)
STRATEGIC INITIATIVES
• Strategic Initiatives for 2010 - 2012
Ø Loan Growth
Ø Strengthen Capital
Ø Non-Interest Income Improvement
Ø Increase Deposit Market Share in Lancaster County
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-113.jpg)
FINANCIAL REVIEW
• Scott E. Lied
Ø Treasurer - - ENB Financial Corp
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-114.jpg)
DISCLOSURES
• Unaudited Financial Information
Ø Some of the following slides do present financial
information that is unaudited. Therefore, this information is
subject to adjustments that could be necessary upon
completion of the annual audit.
information that is unaudited. Therefore, this information is
subject to adjustments that could be necessary upon
completion of the annual audit.
• Forward Looking Statements
Ø Some of the material and/or language used in this
presentation would be considered as a forward looking
statement. Management is not obligated to update these
forward looking statements.
presentation would be considered as a forward looking
statement. Management is not obligated to update these
forward looking statements.
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-115.jpg)
NET INCOME
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-116.jpg)
2009 SIGNIFICANT ITEMS
Net Interest Income | $ 858,000 | increase |
Other Income | $1,533,000 | increase |
Operating Expenses (net of FDIC assessment) | $1,191,000 | decrease |
FDIC Assessment | $ 792,000 | increase |
Provision Expense | $2,251,000 | increase |
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-117.jpg)
NET INTEREST INCOME
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-118.jpg)
OTHER INCOME
Data shown excludes securities gains and losses.
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-119.jpg)
OPERATING EXPENSES
Graph represents operating expenses net of annual FDIC assessments.
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-120.jpg)
FDIC ASSESSMENT
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-121.jpg)
PROVISION EXPENSE
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-122.jpg)
EARNINGS PER SHARE
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-123.jpg)
DIVIDENDS PER SHARE
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-124.jpg)
DIVIDEND COMPARISON
Bank Name | Current Dividend | Change from Dividend High (2006 - 2008) |
Union National Community Bank | $0.00 | -100.00% |
Susquehanna Bank | $0.01 | -95.65% |
National Penn Bank | $0.01 | -94.12% |
Fulton Bank | $0.03 | -83.33% |
VIST Bank | $0.05 | -75.00% |
Ephrata National Bank | $0.24 | -22.58% |
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-125.jpg)
SHAREHOLDER VALUE
ENBP | SUSQ | FULT | |
Average Stock Price* - Oct 2008 | $25.69 | $17.12 | $11.62 |
Average Stock Price* - Jul 2009 | $24.83 | $4.80 | $6.05 |
Jul 2009 Price as % of Oct 2008 Price | 97% | 28% | 52% |
Average Stock Price* - Apr 2010 | $20.58 | $11.26 | $11.46 |
Apr 2010 Price as % of Oct 2008 Price | 80% | 66% | 99% |
Current Dividend Yield on Investment | 4.70% | 0.40% | 1.12% |
*Average derived from weekly Monday high prices for the cited month.
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-126.jpg)
PEER ANALYSIS
* Peer Group is defined as National UBPR Peer Group $300 Million to $1 Billion, a total of 1,198 banks.
Measurement | ENB | Peer* |
Return on Average Assets (ROAA) | 0.60% | 0.19% |
Net Interest Margin | 3.49% | 3.71% |
Other Income | 0.88% | 0.74% |
Operating Expense | 2.81% | 2.96% |
Tier 1 Leverage Capital | 9.56% | 8.71% |
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-127.jpg)
FIRST QUARTER RESULTS
• Q1 2010
Ø $1,468,000 versus $1,081,000 (Q1 2009)
Ø 35.8% increase
Ø 3.0% balance sheet growth
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-128.jpg)
LENDING REVIEW
• Dale G. Burkholder
Ø Senior Vice President and Senior Lender -
Ephrata National Bank
Ephrata National Bank
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-129.jpg)
CREDIT QUALITY
Measurement | ENB | Peer* |
30 - 89 Days Past Due | 0.20% | 1.43% |
90+ Days Past Due | 0.17% | 0.15% |
Non-Accrual | 1.42% | 2.91% |
Total Delinquencies | 1.79% | 4.49% |
Net Losses to Average Total Loans | 0.29% | 1.09% |
* Peer Group is defined as National UBPR Peer Group $300 Million to $1 Billion, a total of 1,198 banks.
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-130.jpg)
LOAN PORTFOLIO MIX
Loan Type | ENB | Peer* |
Construction and Development | 4.99% | 12.69% |
Commercial Real Estate (CRE) | 21.20% | 30.84% |
CRE Multi-Family | 2.83% | 2.57% |
Commercial & Industrial | 7.29% | 13.42% |
Loans to Municipalities | 7.67% | 0.51% |
Farmland & Agricultural | 14.26% | 4.18% |
1 - 4 Family Residential | 38.83% | 23.83% |
* Peer Group is defined as National UBPR Peer Group $300 Million to $1 Billion, a total of 1,198 banks.
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-131.jpg)
LOAN GROWTH
* Peer Group is defined as National UBPR Peer Group $300 Million to $1 Billion, a total of 1,198 banks.
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-132.jpg)
ENB’S MONEY
MANAGEMENT GROUP
MANAGEMENT GROUP
• William L. Barnett
Ø Vice President - ENB’s Money Management Group
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-133.jpg)
STRATEGIC FOCUS
• Our Focus 2010-2011 and Beyond
• Target Prospects
• Services to Community
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-134.jpg)
• Our Money Management Group Goals
Ø Become a trust and asset management group that
customers and non-customers automatically
recognize when the topic of money management
and investment arises.
customers and non-customers automatically
recognize when the topic of money management
and investment arises.
Ø Provide a solution to every customer or prospect
we meet
we meet
• In the community
• In our daily servicing
GOALS
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-135.jpg)
QUESTIONS & ANSWERS
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-136.jpg)
VOTING RESULTS
• Report of Election
Ø Presented by Paul W. Wenger
Corporate Secretary - ENB Financial Corp
Corporate Secretary - ENB Financial Corp
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![](https://capedge.com/proxy/8-K/0000914317-10-000767/ex99-137.jpg)
ADJOURNMENT
Please join us for refreshments
in the Hibshman Conference Room.
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