Dennis Shaffer | President and CEO |
Rich Dutton | SVP and COO |
Chuck Parcher | SVP and Chief Lending Officer |
Paul Stark | SVP |
Terry McEvoy | Stephens |
Tim Switzer | KBW |
Manuel Navas | D.A. Davidson |
Ben Gerlinger | Hovde Group |
Dan Cardenas | Janney Montgomery Scott |
Good day, and welcome to the Civista Bancshares First Quarter 2023 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 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.