Deborah Pawlowski | Investor Relations |
David Nasca | President & Chief Executive Officer |
John Connerton | Chief Financial Officer |
Alex Twerdahl | Piper Sandler |
Chris O'Connell | KBW |
Erik Zwick | Hovde Group |
Greetings and welcome to the Evans Bancorp Third Quarter Fiscal Year 2022 Financial Results. At this time, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder, this conference is being recorded. I'd now like to introduce your host Deborah Pawlowski.