First Defiance Financial Corp. reported unaudited consolidated earnings results for the fourth quarter and full year ended December 31, 2012. For the quarter, the company has posted total interest income of $19,572,000 against $21,270,000 a year ago. Net interest income was $17,386,000 against $17,516,000 a year ago. Income before income tax was $7,410,000 against $5,704,000 a year ago. Net income was $5,157,000 against $4,064,000 a year ago. Net income applicable to common shares was $5,157,000 or $0.52 diluted per share against $3,556,000 or $0.36 diluted per share a year ago. Common book value per share was $26.44 against $24.74 a year ago. ROA was 1.01% against 0.78% a year ago. ROA was 8.00% against 5.85% a year ago.

For the year, the company has posted total interest income of $80,943,000 against $87,067,000 a year ago. Net interest income was $69,006,000 against $69,881,000 a year ago. Income before income tax was $26,676,000 against $22,199,000 a year ago. Net income was $18,664,000 against $15,534,000 a year ago. Net income applicable to common shares was $18,047,000 or $1.81 diluted per share against $13,507,000 or $1.42 diluted per share a year ago. Common book value per share was $26.44 against $24.74 a year ago. ROA was 0.90% against 0.75% a year ago. ROA was 6.99% against 5.89% a year ago.

For the fourth quarter of 2012, the company recorded net charge-offs of $2.2 million, which represented 0.59% of average loans outstanding (annualized) for the quarter, compared with 2.49% in the fourth quarter of 2011.