First Defiance Financial (FDEF)
Q1 2012 Earnings Call
April 24, 2012 11:00 AM ET
Terra Via – IR
Bill Small – President and CEO
Don Hileman – EVP and CFO
John Barber – KBW
Good day and welcome to the First Defiance Financial Corp. First Quarter Earnings Conference Call and webcast. 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. Please go ahead.
Thank you. Good morning, everyone and thank you for joining us for today’s first quarter 2012 conference call. This call is also being webcast and the audio replay will be available at First Defiance's 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.
Actual results may differ materially from current management forecasts and projections as a result of factors over which the company has no control. Information on these risk factors and additional information on forward-looking statements are included in the news release and in the Company’s reports on file with the Securities and Exchange Commission.