ESB Financial Corp. (ESBF)

ESB Financial Corporation operates as a thrift holding company for ESB Bank that provides retail and commercial financial products and services in Western Pennsylvania. It offers deposit accounts, such as regular savings, checking, money market, and certificate accounts; non interest-bearing deposits; NOW account deposits; money market deposits; passbook account deposits; and time deposits. The company provides real estate loans secured by liens on residential and commercial properties; single-family residential loans; multi-family residential mortgage loans; construction loans; and credit card loans. It also offers consumer loans, including home improvement loans; home equity loans; education loans; and loans secured by automobiles, boats, mobile homes, recreational vehicles, and personal property. In addition, ESB Financial Corporation provides commercial real estate loans, which are secured by apartment buildings, office buildings, small retail shopping centers, and other income-producing properties; loan servicing and origination; and commercial business loans and lines-of-credit for municipalities, equipment purchase loans, finance accounts receivable and inventory loans, and loans for other business purposes. Further, the company provides residential and commercial loan closing, and title closing services. Additionally, it engages in the real estate development and construction of 1-4 family residential units. As of June 17, 2009, the company operated 23 offices in Allegheny, Beaver, Butler, and Lawrence counties, Pennsylvania. ESB Financial Corporation was founded in 1915 and is headquartered in Ellwood City, Pennsylvania.

For the nine months ended 30 September 2006, ESB Financial Corporation's interest income rose 19% to $70.1M. Net interest income after LLP fell 7% to $21.6M. Net income fell 5% to $8.5M. Net interest income reflects higher interest from loans, offset by an increase in interest expense and higher provision for loan loss. Net income reflects lower federal deposit insurance premiums and decreased advertising cost.