First Defiance Financial Corp. ( FDEF)

Q3 2010 Earnings Call Transcript

October 26, 2010 11:00 am ET

Executives

Mary Beth Weisenburger – Director of Marketing

Bill Small – President, Chairman and CEO

Don Hileman – EVP and CFO

Analysts

Julienne Cassarino – Prospector Partners

John Barber – KBW

Chris Baldwin [ph] – Franklin [ph]

Presentation

Operator

Good morning and welcome to the First Defiance third quarter 2010 conference call. All participants will be in a listen-only mode. (Operator instructions) I would now like to turn the conference over to Mary Beth Weisenburger with First Defiance Financial Corp. Please go ahead.

Mary Beth Weisenburger

Thank you. Good morning everyone and thank you for joining us for today’s third quarter 2010 conference call. This call is also being webcast and the audio replay will be available at the First Defiance website at www.fdef.com. I would like to mention that currently we are experiencing severe weather in our area and we are hoping the power and connections are not disrupted during this call. 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 question and answer 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.

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