Deborah Pawlowski | Investor Relations |
David Nasca | President and Chief Executive Officer |
John Connerton | Chief Financial Officer |
Alex Twerdahl | Piper Sandler |
Bryce Rowe | Hovde |
Greetings, and welcome to Evans Bancorp Fourth Quarter and Full Year 2020 Financial Results Conference Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder, this conference is being recorded. I would now like to turn the conference over to your host and Investor Relations for Evans Bancorp, Deborah Pawlowski.