Dennis Shaffer | President and CEO |
Chuck Parcher | SVP and Chief Lending Officer |
Rich Dutton | SVP and COO |
Terry McEvoy | Stephens |
Tim Switzer | KBW |
Paul Stark | Chief Credit Officer |
Nick Cucharale | Piper Sandler |
Manuel Navas | D.A. Davidson |
Terry McEvoy | Stephens |
Good day, and welcome to the Civista Bancshares' Third Quarter 2022 Earnings Call. [Operator Instructions] Before we begin, I would like to remind you that this conference call may contain forward-looking statements with respect to the future performance and financial condition of Civista Bancshares, Inc. that involve risks and uncertainties. Various factors could cause actual results to be materially different from any future results expressed or implied by such forward-looking statements. These factors are discussed in the company's SEC filings, which are available on the company's website.