FFD Financial Corp. announced unaudited consolidated earnings results for the fourth quarter and full year ended June 30, 2012. FFD experienced substantial improvement in both quarterly and fiscal year earnings per share. Net earnings for the quarter ended June 30, 2012, were $577,000, or diluted earnings per share of $0.57, an increase of $304,000, or 111.4%, from the $273,000, or $0.27 per diluted share, reported for the comparable quarter in 2011. Earnings before income taxes were $876,000 against $416,000 for the comparable quarter in 2011. Net interest income was $2,027,000 against $1,907,000 for the comparable quarter in 2011. Total interest income was $2,627,000 against $2,596,000 for the comparable quarter in 2011. Net earnings for the fiscal year ended June 30, 2012, increased $446,000, or 34.5%, to $1.8 million, or diluted earnings per share of $1.79, compared to the $1.4 million, or $1.33 per diluted share, reported in the fiscal year ended June 30, 2011. Earnings before income taxes were $2,764,000 against $2,057,000 in the fiscal year ended June 30, 2011. Net interest income was $8,078,000 against $7,569,000 in the fiscal year ended June 30, 2011. Total interest income was $10,599,000 against $10,558,000 in the fiscal year ended June 30, 2011. FFD experienced these improvements due to various items. These included: Net interest income increased based upon interest earning asset growth and favorable re-pricing of interest bearing liabilities; Non-interest income increased due to improved mortgage banking income attributable to refinance activity, income improvement in the core service charges and other income from deposit accounts; and The provision for loan losses declined primarily as a result of overall loan delinquency improving to 1.10% of total loans at June 30, 2012 compared to 1.19% at June 30, 2011.