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First Defiance Financial Corporation (
Q4 2012 Earnings Call
January 24, 2012 11:00 AM ET
Terra Via - IR
Bill Small - Chairman, President and CEO
Don Hileman - EVP and CFO
Jim Rohrs - President and CEO, First Federal Bank
John Barber - KBW
Howard Henick - Scurlydog Capital
Good morning, and welcome to the First Defiance Financial Corp. Fourth Quarter and 2011 earnings conference call. All participants will be in listen-only mode. (Operator Instructions) After today’s presentation, there will be an opportunity to ask questions. (Operator Instructions). Please note this event is being recorded.
I would now like to turn the conference over to Terra Via. Ms. Via, please go ahead.
Thank you. Good morning, everyone and thank you for joining us for today’s fourth quarter and full year 2011 conference call. This call is also being webcast and the audio replay will be available at the First Defiance website at fdef.com.
Providing commentary this morning will be Bill Small, Chairman, President and CEO of First Defiance and Don Hileman, Executive Vice President and Chief Financial Officer. Following their prepared comments on the company’s strategy and performance, they will be available to take your questions.
Before we begin, I’d like to remind you that during the conference call today, including during the question-and-answer period, you may hear forward-looking statements related to the future financial results and business operations for First Defiance Financial Corp.