First Defiance Financial Corporation CEO Discusses Q4 2012 Results (Transcript)

First Defiance Financial Corporation ( FDEF)

Q4 2012 Earnings Call

January 24, 2012 11:00 AM ET

Executives

Terra Via - IR

Bill Small - Chairman, President and CEO

Don Hileman - EVP and CFO

Jim Rohrs - President and CEO, First Federal Bank

Analysts

John Barber - KBW

Howard Henick - Scurlydog Capital

Presentation

Operator

Good morning, and welcome to the First Defiance Financial Corp. Fourth Quarter and 2011 earnings conference call. 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, please go ahead.

Terra Via

Thank you. Good morning, everyone and thank you for joining us for today’s fourth quarter and full year 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 the future financial results and business operations for First Defiance Financial Corp.

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