Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2014

Regulatory Capital Requirements [Abstract]

Computation of Net Capital under Securities and Exchange Commission Regulation [Table Text Block]

The following schedule presents First Defiance consolidated and First Federal’s regulatory capital ratios as of December 31, 2014 and December 31, 2013 (Dollars in Thousands):

December 31, 2014
	Actual					Minimum Required for Adequately Capitalized					Minimum Required for Well Capitalized
	Amount		Ratio			Amount		Ratio			Amount		Ratio
Tier 1 Capital (1)
Consolidated	$	250,847		11.89	%	$	84,397		4.0	%		N/A		N/A
First Federal	$	238,221		11.31	%	$	84,278		4.0	%	$	105,347		5.0	%

Tier 1 Capital (to Risk Weighted Assets) (1)
Consolidated	$	250,847		13.89	%	$	72,213		4.0	%		N/A		N/A
First Federal	$	238,221		13.21	%	$	72,136		4.0	%	$	108,204		6.0	%

Total Capital (to Risk Weighted Assets) (1)
Consolidated	$	273,441		15.15	%	$	144,426		8.0	%		N/A		N/A
First Federal	$	260,791		14.46	%	$	144,272		8.0	%	$	180,340		10.0	%

(1)

Core capital is computed as a percentage of adjusted total assets of $2.11 billion and $2.11 billion for consolidated and the bank, respectively. Risk-based capital is computed as a percentage of total risk-weighted assets of $1.81 billion and $1.80 billion for consolidated and the bank, respectively.

	December 31, 2013
	Actual					Minimum Required for Adequately Capitalized					Minimum Required for Well Capitalized
	Amount		Ratio			Amount		Ratio			Amount		Ratio
Tier 1 Capital (1)
Consolidated	$	246,258		11.86	%	$	83,045		4.0	%		N/A		N/A
First Federal	$	235,699		11.36	%	$	82,978		4.0	%	$	103,722		5.0	%

Tier 1 Capital (to Risk Weighted Assets) (1)
Consolidated	$	246,258		13.98	%	$	70,473		4.0	%		N/A		N/A
First Federal	$	235,699		13.39	%	$	70,418		4.0	%	$	105,627		6.0	%

Total Capital (to Risk Weighted Assets) (1)
Consolidated	$	268,317		15.23	%	$	140,947		8.0	%		N/A		N/A
First Federal	$	257,741		14.64	%	$	140,836		8.0	%	$	176,046		10.0	%

(1)

Core capital is computed as a percentage of adjusted total assets of $2.00 billion and $1.99 billion for consolidated and the bank, respectively. Risk-based capital is computed as a percentage of total risk-weighted assets of $1.64 billion and $1.64 billion for consolidated and the bank, respectively.

- Definition

Tabular disclosure of computation of net capital under the SEC Regulations which may include a reconciliation (including appropriate explanations) if material differences exist between the computations made by the independent auditor based on the audited financial statements and the broker-dealer's original unaudited Part II or IIA filing, a statement that a reconciliation is not necessary if no material differences exist between the computations made by the independent auditor based on the audited financial statements and the broker-dealer's unaudited Part II or IIA filing, when different, total assets and total liabilities, as reported in the statement of financial condition, are reconciled to the total current assets and total liabilities, respectively, as reported in the statement of computation of minimum net capital. Disclosure may also include stockholder's equity, stockholders' equity not allowable for net capital, stockholders' equity qualified for net capital, subordinated borrowings allowable in computation of net capital, other deductions or allowable credits and total capital and allowable subordinated borrowings.

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