Dennis Shaffer | President, CEO & Vice Chairman |
Paul Stark | SVP |
Richard Dutton | SVP & COO |
Charles Parcher | SVP |
Terence McEvoy | Stephens Inc. |
Manuel Navas | D.A. Davidson & Co. |
Timothy Switzer | KBW |
Daniel Cardenas | Janney Montgomery Scott |
Good day, and welcome to the Civista Bancshares year-end 2022 Earnings Conference 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 conditions of Civista Bancshares, Inc. that involves 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.