First Defiance Financial Corp. (FDEF)

Q2 2010 Earnings Call

July 20, 2010 11:00 am ET


Bill Small - President, Chairman & CEO

Don Hileman - EVP & CFO

Jim Rohrs - President & CEO, First Federal Bank


John Barber - KBW

Christopher Marinac - FIG Partners



Good morning. Thank you for joining us for today’s First Defiance Financial Corp.’s second quarter 2010 earnings release conference call. This call is also being webcast and the audio replay will be available at the First Defiance website at

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 would like to remind you that during the conference call today including during the Q&A period, you may hear forward-looking statements related to future financial results and business operations for the 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.

All participants will be in a listen-only mode. (Operator Instructions) I would now like to turn the conference over to Bill Small, President and CEO. Please go ahead.

Bill Small

Good morning and thank you for joining us to review the First Defiance Financial Corp. 2010 second quarter results.

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