First Defiance Financial Corp. provided earnings guidance for the full year 2018. The company expected high single-digit balance sheet growth with a strong margin to drive upper single-digit revenue growth. The company also expect growth to require more normalized provisioning and core expense growth in the mid-single digits, maintain a positive operating leverage in keeping efficiency ratio below 60%, even with some reinvestment of the benefits from lower taxes. As for the lower taxes, the company see core effective rate falling from, 30.5% in 2017, to about 18.5% for 2018. As look at screened estimates for 2018, there is one low estimate on which the company need to follow up with the remaining 3, ranging from $4.12 to $4.36 per diluted share, frames expectations, and that the consensus of that group is reasonable.