ESBF » Topics » The Year Ahead

This excerpt taken from the ESBF ARS filed Mar 20, 2009.

The Year Ahead

With a sound corporate strategy, the hard work and dedication of our employees and the guidance provided by our Board of Directors, I am confident that we have a sound foundation to sustain our performance, to seize new business opportunities, and to initiate new programs that will enhance service to our customers and continue to provide value to our shareholders. As always, we would like to thank all of our customers and our shareholders for their consistent support and we look forward to opportunities for further growth and profitability in 2009.

I would like to express my appreciation to the directors, officers and employees of ESB who have all contributed to our success over the past year. We are very fortunate to have such a talented and dedicated group of individuals who are committed to serving the needs of our customers.

We invite our shareholders to join us at our annual shareholders’ meeting to be held Wednesday, April 22nd, at 4:00 p.m. at the Connoquenessing Country Club, 1512 Mercer Road, Ellwood City, PA. Your attendance will be very much appreciated.

Sincerely,

LOGO

Charlotte A. Zuschlag

President and Chief Executive Officer

 

 

ESB Financial Corporation   5   2008 Annual Report


Table of Contents
These excerpts taken from the ESBF 10-K filed Mar 12, 2009.

The Year Ahead

With a sound corporate strategy, the hard work and dedication of our employees and the guidance provided by our Board of Directors, I am confident that we have a sound foundation to sustain our performance, to seize new business opportunities, and to initiate new programs that will enhance service to our customers and continue to provide value to our shareholders. As always, we would like to thank all of our customers and our shareholders for their consistent support and we look forward to opportunities for further growth and profitability in 2009.

I would like to express my appreciation to the directors, officers and employees of ESB who have all contributed to our success over the past year. We are very fortunate to have such a talented and dedicated group of individuals who are committed to serving the needs of our customers.

We invite our shareholders to join us at our annual shareholders’ meeting to be held Wednesday, April 22nd, at 4:00 p.m. at the Connoquenessing Country Club, 1512 Mercer Road, Ellwood City, PA. Your attendance will be very much appreciated.

Sincerely,

LOGO

Charlotte A. Zuschlag

President and Chief Executive Officer

 

 

ESB Financial Corporation   5   2008 Annual Report


Table of Contents

The Year Ahead

FACE="Times New Roman" SIZE="2">With a sound corporate strategy, the hard work and dedication of our employees and the guidance provided by our Board of Directors, I am confident that we have a sound foundation to sustain our performance, to
seize new business opportunities, and to initiate new programs that will enhance service to our customers and continue to provide value to our shareholders. As always, we would like to thank all of our customers and our shareholders for their
consistent support and we look forward to opportunities for further growth and profitability in 2009.

I would like to express my
appreciation to the directors, officers and employees of ESB who have all contributed to our success over the past year. We are very fortunate to have such a talented and dedicated group of individuals who are committed to serving the needs of our
customers.

We invite our shareholders to join us at our annual
shareholders’ meeting to be held Wednesday, April 22nd, at 4:00 p.m. at the Connoquenessing Country Club, 1512 Mercer Road, Ellwood City, PA.
Your attendance will be very much appreciated.

Sincerely,

ALIGN="justify">

LOGO

Charlotte A. Zuschlag

FACE="Times New Roman" SIZE="2">President and Chief Executive Officer

 


 
















ESB Financial Corporation 5 2008 Annual Report






Table of Contents


These excerpts taken from the ESBF 10-K filed Mar 17, 2008.

The Year Ahead

With the current difficulties facing the financial industry expected to continue into 2008, we believe net income may remain under pressure for the immediate future. However, given the Bank’s capital position and strong asset quality, we believe we are well positioned to successfully endure the current interest rate environment.

We sincerely thank our shareholders for their confidence, our customers for their loyalty and patronage, our employees for their dedication and efforts, our Officers for their leadership, and the Board of Directors for serving our shareholders well in this challenging business environment.

 

Sincerely,
/s/ Charlotte A. Zuschlag
Charlotte A. Zuschlag
President and Chief Executive Officer

 

ESB Financial Corporation    4    2007 Annual Report


The Year Ahead

With the current
difficulties facing the financial industry expected to continue into 2008, we believe net income may remain under pressure for the immediate future. However, given the Bank’s capital position and strong asset quality, we believe we are well
positioned to successfully endure the current interest rate environment.

We sincerely thank our shareholders for their confidence, our customers
for their loyalty and patronage, our employees for their dedication and efforts, our Officers for their leadership, and the Board of Directors for serving our shareholders well in this challenging business environment.

STYLE="font-size:12px;margin-top:0px;margin-bottom:0px"> 
















Sincerely,
/s/ Charlotte A. Zuschlag
Charlotte A. Zuschlag
President and Chief Executive Officer

 

















ESB Financial Corporation  4  2007 Annual Report







This excerpt taken from the ESBF ARS filed Mar 17, 2008.

The Year Ahead

With the current difficulties facing the financial industry expected to continue into 2008, we believe net income may remain under pressure for the immediate future. However, given the Bank’s capital position and strong asset quality, we believe we are well positioned to successfully endure the current interest rate environment.

We sincerely thank our shareholders for their confidence, our customers for their loyalty and patronage, our employees for their dedication and efforts, our Officers for their leadership, and the Board of Directors for serving our shareholders well in this challenging business environment.

 

Sincerely,
/s/ Charlotte A. Zuschlag
Charlotte A. Zuschlag
President and Chief Executive Officer

 

ESB Financial Corporation    4    2007 Annual Report


This excerpt taken from the ESBF ARS filed Mar 18, 2005.

The Year Ahead

 

In 2005, ESB Bank will be 90 years old, a milestone few banks have been able to achieve. Over the years, we have continued to change and improve in order to continuously realign our objectives and redefine our strategies to address a dynamic and competitive operating environment and to meet the emerging needs of our customers. In response to these changes, we will respond rapidly and decisively to focus on our customer’s needs, to execute our business strategies and to continuously improve our technology and service. With this resolve and with a sound and focused business strategy, we are confident that we will achieve another year of strong financial performance.

 

We invite our shareholders to join us at our annual shareholders’ meeting to be held on Wednesday, April 20, 2005 at 4:00 p.m. at the Connoquenessing Country Club, 1512 Mercer Road, Ellwood City, PA.

 

Sincerely,
LOGO

Charlotte A.Zuschlag

President and Chief Executive Officer

 

ESB Financial Corporation

  5   2004 Annual Report


This excerpt taken from the ESBF 10-K filed Mar 16, 2005.

The Year Ahead

 

In 2005, ESB Bank will be 90 years old, a milestone few banks have been able to achieve. Over the years, we have continued to change and improve in order to continuously realign our objectives and redefine our strategies to address a dynamic and competitive operating environment and to meet the emerging needs of our customers. In response to these changes, we will respond rapidly and decisively to focus on our customer’s needs, to execute our business strategies and to continuously improve our technology and service. With this resolve and with a sound and focused business strategy, we are confident that we will achieve another year of strong financial performance.

 

We invite our shareholders to join us at our annual shareholders’ meeting to be held on Wednesday, April 20, 2005 at 4:00 p.m. at the Connoquenessing Country Club, 1512 Mercer Road, Ellwood City, PA.

 

Sincerely,
LOGO

Charlotte A.Zuschlag

President and Chief Executive Officer

 

ESB Financial Corporation

  5   2004 Annual Report


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