Deborah Pawlowski | Investor Relations |
David Nasca | President and Chief Executive Officer |
John Connerton | Chief Financial Officer |
Alex Twerdahl | Sandler O’Neill |
Joe Fenech | Hovde Group |
Greetings and welcome to Evans Bancorp Fourth Quarter and Full Year 2018 Financial Results. At this time all participants are in a listen-only mode. 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 Deborah Pawlowski, Investor Relations for Evans Bancorp.