FFD Financial Corp. announced unaudited consolidated earnings results for the three months ended September 30, 2012. For the period, the company reported net interest income of $2,131,000 against $1,984,000 a year ago.

Earnings before income taxes were $1,084,000 against $560,000 a year ago. Net earnings were $714,000 or $0.70 per diluted share against $368,000 or $0.36 per diluted share a year ago. FFD experienced these improvements due to various items. These included: net interest income increased primarily based upon favorable re-pricing of interest bearing liabilities; non-interest income increased due to improved mortgage banking income attributable to refinance activity, income improvement in deposit 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 0.54% of total loans at September 30, 2012 compared to 1.10% at June 30, 2012 and minimal net charge offs; non-interest expense reductions due to the change of data processing providers and the corresponding reduction in cost.