First Defiance Financial Corp. ( FDEF ) Q4 2010 Earnings Call Transcript January 25, 2011 11:00 am ET Executives Mary Beth Weisenburger Bill Small – CEO Don Hileman – EVP and CFO Jim Rohrs – CEO of First Federal Bank. Analysts John Barber – KBW Brad Matt [ph] Ross Habermen – Haberman Management Crop Presentation Operator Compare to: Previous Statements by FDEF » First Defiance CEO Discusses Q3 2010 Results - Earnings Call Transcript » First Defiance Financial Corp. Q2 2010 Earnings Call Transcript » First Defiance Financial Corp. Q1 2010 Earnings Call Transcript » First Defiance Financial Corp. Q4 2009 Earnings Call Transcript Good morning and welcome to the First Defiance fourth quarter and full year 2010 conference call.