First Defiance Financial Gross profit (Q2, 2018)73.2 M

First Defiance Financial Gross profit margin (Q2, 2018), %91.3%

First Defiance Financial Net income (Q2, 2018)22.8 M

First Defiance Financial EBIT (Q2, 2018)52.9 M

USD | FY, 2013 | FY, 2014 | FY, 2015 | FY, 2016 | FY, 2017 |
---|---|---|---|---|---|

## Revenue | 74.8 m | 76.2 m | 80.8 m | 87.4 m | |

| 2% | 6% | 8% | ||

## Cost of goods sold | 7.2 m | 6.6 m | 6.8 m | 8.4 m | 11.4 m |

## Gross profit | 67.6 m | 69.7 m | 74.1 m | 78.9 m | |

| 90% | 91% | 92% | 90% | |

## Sales and marketing expense | 40.2 m | 49.8 m | |||

## R&D expense | 6.4 m | 7.7 m | |||

## Operating expense total | 46.6 m | 85.4 m | |||

## EBIT | 65.8 m | 68.6 m | 73.9 m | 78.7 m | 93.7 m |

| 88% | 90% | 91% | 90% | |

## Interest income | 67.6 m | 69.7 m | 74.1 m | 78.9 m | |

## Pre tax profit | 31.5 m | 33.5 m | 37.8 m | 41.6 m | 48.5 m |

## Net Income | 22.2 m | 24.3 m | 26.4 m | 28.8 m | 32.3 m |

USD | Q1, 2017 | Q1, 2018 | Q2, 2018 |
---|---|---|---|

## Revenue | 39.6 m | 80.1 m | |

## Cost of goods sold | 3.2 m | 7 m | |

## Gross profit | 36.4 m | 73.2 m | |

| 92% | 91% | |

## Sales and marketing expense | 13.2 m | 26.1 m | |

## R&D expense | 2.1 m | 4.2 m | |

## Operating expense total | 23.3 m | 45.9 m | |

## Depreciation and amortization | 347 k | 679 k | |

## EBIT | 26.8 m | 52.9 m | |

| 68% | 66% | |

## Pre tax profit | 14.2 m | 27.9 m | |

## Net Income | 5.1 m | 11.7 m | 22.8 m |

USD | FY, 2015 | FY, 2016 | FY, 2017 |
---|---|---|---|

## Accounts Receivable | 6.2 m | 6.8 m | |

## Inventories | |||

## PP&E | 38.2 m | 37 m | 40.2 m |

## Goodwill | 61.8 m | 61.8 m | 98.6 m |

## Total Assets | 2.3 b | 2.5 b | 3 b |

## Accounts Payable | 48.9 m | ||

## Short-term debt | 36.1 m | 36.1 m | 36.1 m |

## Long-term debt | 59.9 m | 103.9 m | 84.3 m |

## Total Debt | 96 m | 140 m | 120.4 m |

## Total Liabilities | 2.2 b | 2.6 b | |

## Additional Paid-in Capital | 125.7 m | 126.4 m | 160.9 m |

## Retained Earnings | 219.7 m | 240.6 m | 262.9 m |

## Total Equity | 280.2 m | 293 m | 373.3 m |

## Debt to Equity Ratio | 0.3 x | 0.5 x | |

## Debt to Assets Ratio | 0 x | 0.1 x | |

## Financial Leverage | 8.2 x | 8.5 x | 8 x |

USD | Q1, 2018 | Q2, 2018 |
---|---|---|

## PP&E | 39.8 m | 40.4 m |

## Goodwill | 98.6 m | 98.6 m |

## Total Assets | 3 b | 3 b |

## Accounts Payable | 2.5 b | 2.5 b |

## Short-term debt | 36.1 m | 36.1 m |

## Long-term debt | 71 m | 85.7 m |

## Total Debt | 107.1 m | 121.8 m |

## Total Liabilities | 2.6 b | 2.7 b |

## Additional Paid-in Capital | 160.5 m | 160.8 m |

## Retained Earnings | 271.4 m | 279.1 m |

## Total Equity | 379.2 m | 386.9 m |

## Financial Leverage | 8 x | 7.9 x |

USD | FY, 2013 | FY, 2014 | FY, 2015 | FY, 2016 | FY, 2017 |
---|---|---|---|---|---|

## Net Income | 22.2 m | 24.3 m | 26.4 m | 28.8 m | 32.3 m |

## Accounts Receivable | 5.8 m | 6 m | |||

## Inventories | |||||

## Accounts Payable | |||||

## Cash From Operating Activities | 30.7 m | 27 m | 36 m | ||

## Cash From Investing Activities | (158.5 m) | (132.9 m) | |||

## Cash From Financing Activities | 90.4 m | 150.7 m | 111.6 m | ||

## Interest Paid | 6.8 m | 8.4 m | 11.4 m | ||

## Income Taxes Paid | 10 m | 12.7 m | 14.4 m |

USD | Q1, 2017 | Q1, 2018 | Q2, 2018 |
---|---|---|---|

## Net Income | 5.1 m | 11.7 m | 22.8 m |

## Depreciation and Amortization | 867 k | 867 k | 1.7 m |

## Accounts Receivable | (790 k) | (653 k) | (769 k) |

## Cash From Operating Activities | 8.3 m | 8.9 m | 12.9 m |

## Cash From Investing Activities | (11.4 m) | (4.7 m) | (49.7 m) |

## Cash From Financing Activities | 20.7 m | 30 m | |

## Interest Paid | 2.3 m | 3.2 m | 6.9 m |

## Income Taxes Paid | 5.3 m |

USD | Y, 2018 |
---|---|

## Financial Leverage | 7.9 x |

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First Defiance Financial's Total Loans was reported to be $2.4b in Q2, 2017.

FY, 2014 | Q1, 2015 | Q2, 2015 | Q3, 2015 | FY, 2015 | Q1, 2016 | Q2, 2016 | Q3, 2016 | FY, 2016 | Q1, 2017 | Q2, 2017 | |
---|---|---|---|---|---|---|---|---|---|---|---|

## Bank Branches | 42 | 43 | 43 | ||||||||

## Non-performing Loans | $24.13 m | $18.70 m | $16.74 m | $16.61 m | $16.26 m | $17.71 m | $16.42 m | $18.20 m | $14.35 m | $15.06 m | $30.36 m |

## Total Loans | $1.69 b | $1.73 b | $1.76 b | $1.79 b | $1.87 b | $1.89 b | $1.93 b | $2.02 b | $2.04 b | $2.33 b | $2.37 b |

## Total Loans Serviced for Others, units | 14.27 k | 14.26 k | 14.33 k | ||||||||

## Total Loans Serviced for Others | $1.35 b | $1.34 b | $1.34 b | $1.35 b | $1.34 b | $1.34 b | $1.35 b | $1.37 b | $1.37 b | $1.38 b | $1.38 b |

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