8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

______________

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

______________

Date of Report (Date of earliest event reported): May 8, 2018

ENB Financial Corp

(Exact name of Registrant as specified in its charter)

Pennsylvania	000-53297	51-0661129
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

31 E. Main St., Ephrata, PA	17522-0457
(Address of principal executive offices)	(Zip Code)

(717) 733-4181

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the Registrant under any of the following provisions (see General Instruction A.2. below):

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the Registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company o

If an emerging growth company, indicate by check mark if the Registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

ENB FINANCIAL CORP

CURRENT REPORT ON FORM 8-K

Item 5.07 Submission of Matters to a Vote of Security Holders

On May 8, 2018, ENB Financial Corp (the "Company") held its 2018 Annual Meeting of Shareholders (the "Annual Meeting"). A total of 2,849,823 shares of the Company's common stock were entitled to vote as of March 9, 2018, the record date for the Annual Meeting. There were 2,022,533 shares present in person or by proxy at the Annual Meeting, at which time the shareholders were asked to vote on one (1) proposal. Set forth below is the matter acted upon by the shareholders at the Annual Meeting, and the final voting results on such proposal.

Proposal No. 1 – Election of Class B Directors

The shareholders voted to elect three (3) Class B directors to serve for a term of three (3) years and until their successors are elected and qualified. The results of the vote were as follows:

Name	For	Withheld	Broker Non-Votes
Willis R. Lefever	1,995,256	27,277	0
Donald Z. Musser	2,007,629	14,904	0
Judith A. Weaver	2,007,924	14,609	0

Item 7.01 Regulation FD Disclosure

On May 8, 2018, Aaron L. Groff, Jr., Chief Executive Officer and President of the Registrant, as well as other members of management, gave a presentation at the Annual Meeting. A copy of these slides and related material is included in this report as Exhibit 99.1 and is furnished herewith.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits.

Exhibit Number	Description
99.1	Annual Meeting Presentation Slides.

2 

ENB FINANCIAL CORP

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned, thereunto duly authorized.

	ENB FINANCIAL CORP
	(Registrant)
Dated: May 9, 2018	/s/  Scott E. Lied
	Scott E. Lied
	Treasurer
	(Principal Financial Officer)

3 

EX-99.1

ENB Financial Corp 2018 Annual Shareholders Meeting May 8, 2018

» Welcome » Reading of the Minutes » Certify Voting Activity » Vote on Matters of the Proxy Statement » Discussion of Company Condition • President’s Remarks • Financial Review » Questions & Answers » Voting Results » Adjournment Agenda

» Aaron L. Groff, Jr. • President, CEO and Board Chairman – ENB Financial Corp and Ephrata National Bank » Barry W. Harting • Vice President and Corporate Secretary – ENB Financial Corp • Senior Vice President and Chief Risk Officer – Ephrata National Bank » Scott E. Lied • Treasurer – ENB Financial Corp • Senior Vice President and Chief Financial Officer – Ephrata National Bank Presenters

Presented by: Barry W. Harting Corporate Secretary - ENB Financial Corp Meeting Certification

Matters of Proxy Proxy Holders 1. Elect three (3) Class B directors to serve a 3 - year term 2. Transact other business

1. Elect three (3) Class B directors to serve a 3 - year term Matters of Proxy Election of Directors – Class B Willis R. Lefever Donald Z. Musser Judith A. Weaver

Current Directors Continuing Directors – Class A Aaron L. Groff, Jr. Dr. Brian K. Reed Paul M. Zimmerman, Jr. Continuing Directors – Class C Joshua E. Hoffman Susan Y. Nicholas Mark C. Wagner Paul W. Wenger

Presented by: Barry W. Harting Corporate Secretary - ENB Financial Corp Voting Process

Voting Process Proxy Holders » Janice S. Eaby » John H. Shuey Judges of Election » Paul W. Wenger » Roger S. Kline » John L. Weber

Presented by: Aaron L. Groff, Jr. President & CEO - ENB Financial Corp President’s Remarks

To remain an independent community bank of undisputed integrity, serving the communities of Lancaster County and beyond. To offer state - of - the - art financial products and services of high quality and value at an affordable price. To provide unsurpassed personal service, delivered by a highly dedicated professional team. Mission Statement

To help clients achieve financial success as defined by them by discovering their goals and dreams in order to provide helpful advice. Vision Statement

Growth

Market Expansion - Branches

Market Expansion - Mortgage

Market Expansion - CRE

Market Expansion – Ag Banking

Community Support

Easier Access

Easier Access

Easier Access

Easier Access

Focus on our Future

Presented by: Scott E. Lied Treasurer - ENB Financial Corp Financial Condition

Unaudited Financial Information » 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. Forward Looking Statements » 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. Disclosures

Net Income

Significant Items Dollars in Thousands 2017 $ 2016 $ Incr./ Decr . $ Incr./ Decr . % Net Interest Income 30,178 25,287 4,891 19.3 Provision for Loan Loss 940 325 615 NA Other Income 9,646 8,774 872 9.9 Security Gains 675 2,370 (1,695) (71.5) Operating Expense 30,877 27,200 3,677 13.5 Pre Tax Income 8,682 8,906 (224) (2.5)

0 200 400 600 800 1000 1200 1400 1600 1800 2015 2016 2017 Dollars In Thousands Annual Revenue Non Dep Inv Prod Trust ENB Money Management Group

0 50 100 150 200 250 300 350 400 2015 2016 2017 Dollars in Millions Assets Under Advisement Custodial Fiduciary ENB Money Management Group

Performance Ratios 2017 % 2016 % Return on Average Assets (ROA) 0.63 0.80 Return on Average Equity (ROE) 6.46 7.74 Net Interest Margin 3.46 3.12 Efficiency Ratio 73.23 75.12

Per Share Data 2017 2016 Earnings Per Share $2.23 $2.65 Dividends Per Share $1.12 $1.09 Dividend Payout Ratio 50.22% 41.13%

2017 Peer Analysis Measurement ENBP % PA Bank Peer* % Return of Average Assets 0.63 0.74 Return on Average Equity 6.5 7.5 Price to Earnings 15.5 17.7 Price to Tangible Book 98.8 146.4 Dividend Yield 3.27 2.46 *Data as of December 31, 2017 from Boenning & Scattergood, Inc., 1 st Qtr. 2018 Mid - Atlantic Regional Bank & Thrift Revie w

2017 Peer Analysis Measurement ENBP % PA Bank Peer* % Tangible Capital to Assets 9.7 8.9 Tier 1 Capital Ratio 13.8 12.8 Total Risk Based Capital 15.0 14.2 Non - Performing Assets/Total Assets 0.10 0.70 Allowance for Loan Losses/Total Loans 1.38 1.05 *Data as of December 31, 2017 from Boenning & Scattergood, Inc., 1 st Qtr. 2018 Mid - Atlantic Regional Bank & Thrift Revie w

2017 Balance Sheet Growth » Total Assets up $49.4 million + 5.0% » Total Loans up $26.0 million + 4.5% » Total Deposits up $49.0 million + 6.0% » Total Capital up $4.8 million + 5.1%

First Quarter 2018 Results (Unaudited) » Earnings: $2.82 million, 54.4% increase » Net Interest Income: Up $470,000, 6.5% increase » Provision for Loan Losses: $190,000 vs. $90,000 » BOLI Income: $1.1 million vs. $173,000 » Mortgage Gains: $235,000 vs. $355,000 » Operating Expenses: Up $366,000, 4.9% increase

2018 Strategic Initiatives » Loan to Deposit Ratio » Mortgage geographic expansion » Leverage resources » Improve efficiency

Presented by: Barry W. Harting Corporate Secretary - ENB Financial Corp Voting Results

Communication

Questions & Answers

Adjournment Thank you!