Dennis Shaffer | executive |
Nicholas Cucharale | analyst |
Richard Dutton | executive |
Charles Parcher | executive |
Terence McEvoy | analyst |
Michael Perito | analyst |
Manuel Navas | analyst |
Daniel Cardenas | analyst |
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 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. These factors are discussed in the company's SEC filings, which are available on the company's website. The company disclaims any obligation to update any forward-looking statements made during the call.