First Defiance Financial Corp. ( FDEF)

Q3 2011 Earnings Call

October 25, 2011 11:00 am ET

Executives

Bill Small - President, Chairman and CEO

Don Hileman - EVP, CFO

Analysts

Bruce Baughman - Franklin

John Barber - Keefe Bruyette & Woods

Howard Henick - ScurlyDog Capital

Presentation

Operator

Good day and welcome to the First Defiance Financial Corporation’s Third Quarter 2011 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]. Ms. Via, the floor is yours, ma'am.

Unidentified Company Representative

Thank you, good morning everyone, and thank you for joining us for today’s third quarter 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 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.

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