First Defiance Financial Corp. Reports $5.2 Million Of Net Income For The 2012 Fourth Quarter, Up 27% From Fourth Quarter 2011, And Record Full Year Earnings Of $18.7 Million, Up 20% From Full Year 2011

For more information, visit the company’s Web site at www.fdef.com.

Financial Statements and Highlights Follow

Safe Harbor Statement

This news release may contain certain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21 B of the Securities Act of 1934, as amended, which are intended to be safe harbors created thereby. Those statements may include, but are not limited to, all statements regarding intent, beliefs, expectations, projections, forecasts and plans of First Defiance Financial Corp. and its management, and specifically include statements regarding: changes in economic conditions, the nature, extent and timing of governmental actions and reforms, future movements of interest rates, the production levels of mortgage loan generation, the ability to continue to grow loans and deposits, the ability to benefit from a changing interest rate environment, the ability to sustain credit quality ratios at current or improved levels, the ability to sell real estate owned properties, continued strength in the market area for First Federal Bank of the Midwest, and the ability of the Company to grow in existing and adjacent markets. These forward-looking statements involve numerous risks and uncertainties, including those inherent in general and local banking, insurance and mortgage conditions, competitive factors specific to markets in which the Company and its subsidiaries operate, future interest rate levels, legislative and regulatory decisions or capital market conditions and other risks and uncertainties detailed from time to time in the Company's Securities and Exchange Commission (SEC) filings, including the Company's Annual Report on Form 10-K for the year ended December 31, 2011. One or more of these factors have affected or could in the future affect the Company's business and financial results in future periods and could cause actual results to differ materially from plans and projections. Therefore, there can be no assurances that the forward-looking statements included in this news release will prove to be accurate. In light of the significant uncertainties in the forward-looking statements included herein, the inclusion of such information should not be regarded as a representation by the Company or any other persons, that the objectives and plans of the Company will be achieved. All forward-looking statements made in this news release are based on information presently available to the management of the Company. The Company assumes no obligation to update any forward-looking statements.

Consolidated Balance Sheets
First Defiance Financial Corp.		(Unaudited)
		December 31,						December 31,
(in thousands)		2012						2011
Assets
Cash and cash equivalents
Cash and amounts due from depository institutions		$	45,832					$	31,931
Interest-bearing deposits			91,000						143,000
			136,832						174,931
Securities
Available-for sale, carried at fair value			194,101						232,919
Held-to-maturity, carried at amortized cost			508						661
			194,609						233,580
Loans			1,525,257						1,487,076
Allowance for loan losses			(26,711	)					(33,254	)
Loans, net			1,498,546						1,453,822
Loans held for sale			22,064						13,841
Mortgage servicing rights			7,833						8,690
Accrued interest receivable			5,594						6,142
Federal Home Loan Bank stock			20,655						20,655
Bank Owned Life Insurance			41,832						35,908
Office properties and equipment			39,663						40,045
Real estate and other assets held for sale			3,805						3,628
Goodwill			61,525						61,525
Core deposit and other intangibles			4,738						6,151
Deferred taxes			78						629
Other assets			9,174						8,643
Total Assets		$	2,046,948					$	2,068,190
Liabilities and Stockholders’ Equity
Non-interest-bearing deposits		$	315,132					$	245,927
Interest-bearing deposits			1,352,340						1,350,314
Total deposits			1,667,472						1,596,241
Advances from Federal Home Loan Bank			12,796						81,841
Notes payable and other interest-bearing liabilities			51,702						60,386
Subordinated debentures			36,083						36,083
Advance payments by borrowers for tax and insurance			1,473						1,402
Other liabilities			19,294						14,110
Total liabilities			1,788,820						1,790,063
Stockholders’ Equity
Preferred stock, net of discount			-						36,640
Common stock, net			127						127
Common stock warrant			878						878
Additional paid-in-capital			136,046						135,825
Accumulated other comprehensive income			4,274						3,997
Retained earnings			164,103						148,011
Treasury stock, at cost			(47,300	)					(47,351	)
Total stockholders’ equity			258,128						278,127
Total Liabilities and Stockholders’ Equity		$	2,046,948					$	2,068,190

Consolidated Statements of Income (Unaudited)
First Defiance Financial Corp.
		Three Months Ended								Twelve Months Ended
		December 31,								December 31,
(in thousands, except per share amounts)		2012				2011				2012				2011
Interest Income:
Loans		$	17,774			$	19,095			$	72,621			$	78,648
Investment securities			1,504				1,855				7,123				7,086
Interest-bearing deposits			51				115				300				466
FHLB stock dividends			243				205				899				867
Total interest income			19,572				21,270				80,943				87,067
Interest Expense:
Deposits			1,775				2,527				8,169				12,175
FHLB advances and other			164				761				2,424				3,203
Subordinated debentures			158				333				971				1,278
Notes Payable			89				133				373				530
Total interest expense			2,186				3,754				11,937				17,186
Net interest income			17,386				17,516				69,006				69,881
Provision for loan losses			2,618				4,099				10,924				12,434
Net interest income after provision for loan losses			14,768				13,417				58,082				57,447
Non-interest Income:
Service fees and other charges			2,631				2,952				10,779				11,387
Mortgage banking income			2,741				1,888				9,665				6,437
Gain on sale of non-mortgage loans			20				10				70				361
Gain on sale of securities			1,611				169				2,139				218
Impairment on securities			(5	)			-				(5	)			(2	)
Insurance and investment sales commissions			1,997				1,963				8,676				7,109
Trust income			146				134				616				599
Income from Bank Owned Life Insurance			241				226				924				929
Other non-interest income			798				534				1,510				478
Total Non-interest Income			10,180				7,876				34,374				27,516
Non-interest Expense:
Compensation and benefits			7,806				8,096				32,566				31,554
Occupancy			1,860				1,743				7,578				7,166
FDIC insurance premium			660				658				2,691				2,922
State franchise tax			846				385				2,495				2,010
Data processing			1,183				1,140				4,660				4,257
Acquisition related charges			-				-				-				234
Amortization of intangibles			344				391				1,413				1,442
Other non-interest expense			4,839				3,176				14,377				13,179
Total Non-interest Expense			17,538				15,589				65,780				62,764
Income before income taxes			7,410				5,704				26,676				22,199
Income taxes			2,253				1,640				8,012				6,665
Net Income		$	5,157			$	4,064			$	18,664			$	15,534
Dividends Accrued on Preferred Shares			-				(462	)			(900	)			(1,850	)
Accretion on Preferred Shares			-				(46	)			(359	)			(177	)
Redemption of Preferred Shares			-				-				642				-
Net Income Applicable to Common Shares		$	5,157			$	3,556			$	18,047			$	13,507
Earnings per common share:
Basic		$	0.53			$	0.37			$	1.86			$	1.44
Diluted		$	0.52			$	0.36			$	1.81			$	1.42
Average Shares Outstanding:
Basic			9,729				9,726				9,728				9,368
Diluted			10,012				9,908				9,998				9,540

Financial Summary and Comparison
First Defiance Financial Corp.		(Unaudited)												(Unaudited)
		Three Months Ended												Twelve Months Ended
		December 31,												December 31,
(dollars in thousands, except per share data)		2012				2011				% change				2012				2011				% change
Summary of Operations
Tax-equivalent interest income (1)		$	19,993			$	21,665			(7.7	)%			$	82,598			$	88,546			(6.7	)%
Interest expense			2,186				3,754			(41.8	)				11,937				17,186			(30.5	)
Tax-equivalent net interest income (1)			17,807				17,911			(0.6	)				70,661				71,360			(1.0	)
Provision for loan losses			2,618				4,099			(36.1	)				10,924				12,434			(12.1	)
Tax-equivalent NII after provision for loan loss (1)			15,189				13,812			10.0					59,737				58,926			1.4
Investment Securities gains			1,611				169			NM					2,139				218			NM
Impairment losses on securities			(5	)			-			NM					(5	)			(2	)		150.0
Non-interest income (excluding securities gains/losses)			8,574				7,707			11.2					32,240				27,300			18.1
Non-interest expense			17,538				15,589			12.5					65,780				62,764			4.8
Income taxes			2,253				1,640			37.4					8,012				6,665			20.2
Net Income			5,157				4,064			26.9					18,664				15,534			20.1
Dividends Declared on Preferred Shares			-				(462	)		(100.0	)				(900	)			(1,850	)		(51.4	)
Accretion on Preferred Shares			-				(46	)		(100.0	)				(359	)			(177	)		102.8
Redemption on Preferred Shares			-				-			-					642				-			NM
Net Income Applicable to Common Shares			5,157				3,556			45.0					18,047				13,507			33.6
Tax equivalent adjustment (1)			421				395			6.6					1,655				1,479			11.9
At Period End
Assets			2,046,948				2,068,190			(1.0	)
Earning assets			1,853,585				1,898,152			(2.3	)
Loans			1,525,257				1,487,076			2.6
Allowance for loan losses			26,711				33,254			(19.7	)
Deposits			1,667,472				1,596,241			4.5
Stockholders’ equity			258,128				278,127			(7.2	)
Average Balances
Assets			2,023,890				2,067,881			(2.1	)				2,063,552				2,058,370			0.3
Earning assets			1,815,263				1,861,186			(2.5	)				1,862,340				1,848,154			0.8
Loans			1,509,611				1,440,839			4.8					1,477,681				1,437,588			2.8
Deposits and interest-bearing liabilities			1,744,274				1,772,812			(1.6	)				1,775,082				1,776,474			(0.1	)
Deposits			1,633,432				1,594,938			2.4					1,619,637				1,590,128			1.9
Stockholders’ equity			256,304				275,848			(7.1	)				267,194				263,913			1.2
Stockholders’ equity / assets			12.66	%			13.34	%		(5.1	)				12.95	%			12.82	%		1.0
Per Common Share Data
Net Income
Basic		$	0.53			$	0.37			43.2				$	1.86			$	1.44			29.2
Diluted			0.52				0.36			44.4					1.81				1.42			27.5
Dividends			0.05				0.05			-					0.20				0.05			300.0
Market Value:
High		$	19.38			$	15.39			25.9				$	19.38			$	15.51			25.0
Low			15.75				13.00			21.2					14.41				11.89			21.2
Close			19.19				14.59			31.5					19.19				14.59			31.5
Common Book Value			26.44				24.74			6.9					26.44				24.74			6.9
Tangible Common Book Value			19.63				17.78			10.4					19.63				17.78			10.4
Shares outstanding, end of period (000)			9,729				9,726			0.0					9,729				9,726			0.0
Performance Ratios (annualized)
Tax-equivalent net interest margin (1)			3.92	%			3.83	%		2.4					3.81	%			3.88	%		(1.7	)
Return on average assets			1.01	%			0.78	%		30.0					0.90	%			0.75	%		19.8
Return on average equity			8.00	%			5.85	%		36.9					6.99	%			5.89	%		18.7
Efficiency ratio (2)			66.48	%			60.85	%		9.2					63.93	%			63.62	%		0.5
Effective tax rate			30.40	%			28.75	%		5.7					30.03	%			30.02	%		0.0
Dividend payout ratio (basic)			9.43	%			13.51	%		NM					10.75	%			3.47	%		NM

(1)		Interest income on tax-exempt securities and loans has been adjusted to a tax-equivalent basis using the statutory federal income tax rate of 35%
(2)		Efficiency ratio = Non-interest expense divided by sum of tax-equivalent net interest income plus non-interest income, excluding securities gains or losses, net.
NM Percentage change not meaningful

Income from Mortgage Banking
Revenue from sales and servicing of mortgage loans consisted of the following:
		Three Months Ended										Twelve Months Ended
		December 31,										December 31,
(dollars in thousands)		2012				2011						2012				2011
Gain from sale of mortgage loans		$	2,709			$	1,653					$	10,599			$	5,607
Mortgage loan servicing revenue (expense):
Mortgage loan servicing revenue			888				874						3,387				3,403
Amortization of mortgage servicing rights			(952	)			(820	)					(3,562	)			(2,169	)
Mortgage servicing rights valuation adjustments			96				181						(759	)			(404	)
			32				235						(934	)			830
Total revenue from sale and servicing of mortgage loans		$	2,741			$	1,888					$	9,665			$	6,437

Yield Analysis
First Defiance Financial Corp.
		Three Months Ended December 31,
		(dollars in thousands)
		2012									2011
		Average						Yield			Average						Yield
		Balance			Interest(1)			Rate(2)			Balance			Interest(1)			Rate(2)
Interest-earning assets:
Loans receivable		$	1,509,611		$	17,799		4.69	%		$	1,440,839		$	19,123		5.27	%
Securities			204,882			1,900		3.86	%			235,517			2,222		3.85	%
Interest Bearing Deposits			80,115			51		0.25	%			164,175			115		0.28	%
FHLB stock			20,655			243		4.68	%			20,655			205		3.94	%
Total interest-earning assets			1,815,263			19,993		4.40	%			1,861,186			21,665		4.63	%
Non-interest-earning assets			208,627									206,695
Total assets		$	2,023,890								$	2,067,881
Deposits and Interest-bearing liabilities:
Interest bearing deposits		$	1,338,400		$	1,775		0.53	%		$	1,348,424		$	2,527		0.74	%
FHLB advances and other			19,015			164		3.43	%			81,845			761		3.69	%
Other Borrowings			55,688			89		0.64	%			59,832			133		0.88	%
Subordinated debentures			36,139			158		1.74	%			36,197			333		3.65	%
Total interest-bearing liabilities			1,449,242			2,186		0.60	%			1,526,298			3,754		0.98	%
Non-interest bearing deposits			295,032			-		-				246,514			-		-
Total including non-interest-bearing demand deposits			1,744,274			2,186		0.50	%			1,772,812			3,754		0.84	%
Other non-interest-bearing liabilities			23,312									19,221
Total liabilities			1,767,586									1,792,033
Stockholders' equity			256,304									275,848
Total liabilities and stockholders' equity		$	2,023,890								$	2,067,881
Net interest income; interest rate spread					$	17,807		3.80	%					$	17,911		3.65	%
Net interest margin (3)								3.92	%								3.83	%
Average interest-earning assets to average interest bearing liabilities								125	%								122	%
		Twelve Months Ended December 31,
		2012									2011
		Average						Yield			Average						Yield
		Balance			Interest(1)			Rate			Balance			Interest(1)			Rate
Interest-earning assets:
Loans receivable		$	1,477,681		$	72,724		4.92	%		$	1,437,588		$	78,773		5.49	%
Securities			247,442			8,675		3.63	%			205,609			8,440		4.19	%
Interest Bearing Deposits			116,562			300		0.26	%			184,126			466		0.25	%
FHLB stock			20,655			899		4.35	%			20,831			867		4.17	%
Total interest-earning assets			1,862,340			82,598		4.44	%			1,848,154			88,546		4.80	%
Non-interest-earning assets			201,212									210,216
Total assets		$	2,063,552								$	2,058,370
Deposits and Interest-bearing liabilities:
Interest bearing deposits		$	1,352,724		$	8,169		0.60	%		$	1,358,785		$	12,175		0.90	%
FHLB advances and other			66,121			2,424		3.67	%			93,669			3,203		3.43	%
Other Borrowings			53,155			373		0.70	%			56,464			530		0.94	%
Subordinated debentures			36,169			971		2.68	%			36,213			1,278		3.54	%
Total interest-bearing liabilities			1,508,169			11,937		0.79	%			1,545,131			17,186		1.12	%
Non-interest bearing deposits			266,913			-		-				231,343			-		-
Total including non-interest-bearing demand deposits			1,775,082			11,937		0.67	%			1,776,474			17,186		0.97	%
Other non-interest-bearing liabilities			21,276									17,983
Total liabilities			1,796,358									1,794,457
Stockholders' equity			267,194									263,913
Total liabilities and stockholders' equity		$	2,063,552								$	2,058,370
Net interest income; interest rate spread					$	70,661		3.64	%					$	71,360		3.69	%
Net interest margin (3)								3.81	%								3.88	%
Average interest-earning assets to average interest bearing liabilities								123	%								120	%

(1)		Interest on certain tax exempt loans and securities is not taxable for Federal income tax purposes. In order to compare the tax-exempt yields on these assets to taxable yields, the interest earned on these assets is adjusted to a pre-tax equivalent amount based on the marginal corporate federal income tax rate of 35%.
(2)		Annualized
(3)		Net interest margin is net interest income divided by average interest-earning assets.

Selected Quarterly Information
First Defiance Financial Corp.
(dollars in thousands, except per share data)		4th Qtr 2012				3rd Qtr 2012				2nd Qtr 2012				1st Qtr 2012				4th Qtr 2011
Summary of Operations
Tax-equivalent interest income (1)		$	19,993			$	20,525			$	20,935			$	21,144			$	21,665
Interest expense			2,186				2,923				3,273				3,555				3,754
Tax-equivalent net interest income (1)			17,807				17,602				17,662				17,589				17,911
Provision for loan losses			2,618				705				4,097				3,503				4,099
Tax-equivalent NII after provision for loan losses (1)			15,189				16,897				13,565				14,086				13,812
Investment securities gains (losses), including impairment			1,606				103				382				43				169
Non-interest income (excluding securities gains/losses)			8,574				7,677				7,612				8,376				7,707
Non-interest expense			17,538				16,450				15,532				16,259				15,589
Income taxes			2,253				2,366				1,690				1,703				1,640
Net income			5,157				5,434				3,921				4,153				4,064
Dividends Declared on Preferred Shares			-				(3	)			(435	)			(462	)			(462	)
Accretion on Preferred Shares			-				(8	)			(305	)			(46	)			(46	)
Redemption on Preferred Shares			-				642				-				-				-
Net Income (Loss) Applicable to Common Shares			5,157				5,423				3,823				3,645				3,556
Tax equivalent adjustment (1)			421				427				416				390				395
At Period End
Total assets		$	2,046,948			$	2,055,672			$	2,067,616			$	2,142,264			$	2,068,190
Earning assets			1,853,585				1,874,671				1,885,846				1,966,419				1,898,152
Loans			1,525,257				1,512,132				1,500,637				1,473,955				1,487,076
Allowance for loan losses			26,711				26,310				26,409				28,833				33,254
Deposits			1,667,472				1,609,350				1,613,611				1,671,370				1,596,241
Stockholders’ equity			258,128				255,136				249,870				281,364				278,127
Stockholders’ equity / assets			12.61	%			12.41	%			12.08	%			13.13	%			13.45	%
Goodwill			61,525				61,525				61,525				61,525				61,525
Average Balances
Total assets		$	2,023,890			$	2,047,139			$	2,102,675			$	2,080,502			$	2,067,881
Earning assets			1,815,263				1,849,715				1,903,714				1,879,393				1,861,186
Loans			1,509,611				1,481,995				1,462,312				1,456,807				1,440,839
Deposits and interest-bearing liabilities			1,744,274				1,774,312				1,800,036				1,781,710				1,772,812
Deposits			1,633,432				1,605,749				1,629,094				1,610,275				1,594,938
Stockholders’ equity			256,304				251,592				281,031				279,848				275,848
Stockholders’ equity / assets			12.66	%			12.29	%			13.37	%			13.45	%			13.34	%
Per Common Share Data
Net Income:
Basic		$	0.53			$	0.56			$	0.39			$	0.37			$	0.37
Diluted			0.52				0.54				0.38				0.37				0.36
Dividends			0.05				0.05				0.05				0.05				0.05
Market Value:
High		$	19.38			$	18.06			$	17.46			$	17.76			$	15.39
Low			15.75				15.80				15.23				14.41				13.00
Close			19.19				17.26				17.12				16.86				14.59
Book Value			26.44				26.13				25.49				25.06				24.74
Shares outstanding, end of period (in thousands)			9,729				9,729				9,729				9,728				9,726
Performance Ratios (annualized)
Tax-equivalent net interest margin (1)			3.92	%			3.80	%			3.75	%			3.78	%			3.83	%
Return on average assets			1.01	%			1.06	%			0.75	%			0.80	%			0.78	%
Return on average equity			8.00	%			8.59	%			5.61	%			5.97	%			5.85	%
Efficiency ratio (2)			66.48	%			65.07	%			61.45	%			62.62	%			60.85	%
Effective tax rate			30.40	%			30.33	%			30.12	%			29.08	%			28.75	%
Common dividend payout ratio (basic)			9.43	%			8.93	%			12.82	%			13.51	%			13.51	%

(1)		Interest income on tax-exempt securities and loans has been adjusted to a tax-equivalent basis using the statutory federal income tax rate of 35%
(2)		Efficiency ratio = Non-interest expense divided by sum of tax-equivalent net interest income plus non-interest income, excluding securities gains, net.

Selected Quarterly Information
First Defiance Financial Corp.
(dollars in thousands, except per share data)		4th Qtr 2012				3rd Qtr 2012				2nd Qtr 2012				1st Qtr 2012				4th Qtr 2011
Loan Portfolio Composition
One to four family residential real estate		$	200,826			$	210,053			$	210,520			$	202,132			$	203,401
Construction			37,788				31,428				22,923				36,362				31,552
Commercial real estate			797,385				792,351				775,526				790,168				775,992
Commercial			383,817				365,510				372,266				326,904				349,053
Consumer finance			15,936				16,785				17,127				17,647				18,887
Home equity and improvement			108,718				111,563				112,427				114,891				122,143
Total loans			1,544,470				1,527,690				1,510,789				1,488,104				1,501,028
Less:
Loans in process			18,478				14,831				9,439				13,430				13,243
Deferred loan origination fees			735				727				713				719				709
Allowance for loan loss			26,711				26,310				26,409				28,833				33,254
Net Loans		$	1,498,546			$	1,485,822			$	1,474,228			$	1,445,122			$	1,453,822
Allowance for loan loss activity
Beginning allowance			26,310				26,409				28,833			$	33,254			$	38,110
Provision for loan losses			2,618				705				4,097				3,503				4,099
Credit loss charge-offs:
One to four family residential real estate			976				217				584				738				666
Commercial real estate			593				780				5,448				4,496				6,738
Commercial			541				355				486				2,666				1,423
Consumer finance			59				19				14				41				27
Home equity and improvement			497				203				254				211				251
Total charge-offs			2,666				1,574				6,786				8,152				9,105
Total recoveries			449				770				265				228				150
Net charge-offs (recoveries)			2,217				804				6,521				7,924				8,955
Ending allowance		$	26,711			$	26,310			$	26,409			$	28,833			$	33,254
Credit Quality
Total non-performing loans (1)		$	32,570			$	37,803			$	41,702			$	45,351			$	39,328
Real estate owned (REO)			3,805				2,843				3,538				3,408				3,628
Total non-performing assets (2)		$	36,375			$	40,646			$	45,240			$	48,759			$	42,956
Net charge-offs			2,217				804				6,521				7,924				8,955
Restructured loans, accruing (3)			28,203				4,305				3,581				3,820				3,380
Allowance for loan losses / loans			1.75	%			1.74	%			1.76	%			1.96	%			2.24	%
Allowance for loan losses / non-performing assets			73.43	%			64.73	%			58.38	%			59.13	%			77.41	%
Allowance for loan losses / non-performing loans			82.01	%			69.60	%			63.33	%			63.58	%			84.56	%
Non-performing assets / loans plus REO			2.38	%			2.68	%			3.01	%			3.30	%			2.88	%
Non-performing assets / total assets			1.78	%			1.98	%			2.19	%			2.28	%			2.08	%
Net charge-offs / average loans (annualized)			0.59	%			0.22	%			1.78	%			2.18	%			2.49	%
Deposit Balances
Non-interest-bearing demand deposits		$	315,132			$	271,305			$	261,211			$	265,716			$	245,927
Interest-bearing demand deposits and money market			664,857				636,510				628,760				665,889				609,057
Savings deposits			166,945				166,155				165,699				165,325				155,101
Retail time deposits less than $100,000			342,472				356,369				370,443				383,471				428,222
Retail time deposits greater than $100,000			176,029				176,725				180,594				183,420				147,298
National/Brokered time deposits			2,037				2,286				6,904				7,549				10,636
Total deposits		$	1,667,472			$	1,609,350			$	1,613,611			$	1,671,370			$	1,596,241

(1)		Non-performing loans consist of non-accrual loans that are contractually past due 90 days.
(2)		Non-performing assets are non-performing loans plus real estate and other assets acquired by foreclosure or deed-in-lieu thereof.
(3)		Accruing restructured loans are loans with known credit problems that are not contractually past due and therefore are not included in non-performing loans.

Loan Delinquency Information
First Defiance Financial Corp.
								30 to 89 days			Non Accrual
(dollars in thousands)		Total Balance			Current			past due			Loans
December 31, 2012
One to four family residential real estate		$	200,826		$	195,188		$	2,036		$	3,602
Construction			37,788		$	37,788			-			-
Commercial real estate			797,385		$	773,170			1,125			23,090
Commercial			383,817		$	376,548			1,608			5,661
Consumer finance			15,936		$	15,701			235			-
Home equity and improvement			108,718		$	106,002			2,499			217
Total loans		$	1,544,470		$	1,504,397		$	7,503		$	32,570
September 30, 2012
One to four family residential real estate		$	210,053		$	202,073		$	2,196		$	5,784
Construction			31,428			31,428			-			-
Commercial real estate			792,351			765,611			1,749			24,991
Commercial			365,510			358,452			388			6,670
Consumer finance			16,785			16,653			117			15
Home equity and improvement			111,563			109,556			1,664			343
Total loans		$	1,527,690		$	1,483,773		$	6,114		$	37,803
December 31, 2011
One to four family residential real estate		$	203,401		$	197,209		$	2,302		$	3,890
Construction			31,552			31,552			-			-
Commercial real estate			775,992			744,401			3,441			28,150
Commercial			349,053			341,835			334			6,884
Consumer finance			18,887			18,713			164			10
Home equity and improvement			122,143			118,908			2,841			394
Total loans		$	1,501,028		$	1,452,618		$	9,082		$	39,328

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