David Nasca | executive |
John Connerton | executive |
Nicholas Cucharale | analyst |
Alexander Roberts Twerdahl | analyst |
Christopher O'Connell | analyst |
Greetings, and welcome to the Evans Bancorp Fourth Quarter Fiscal Year 2023 Financial Results.
[Operator Instructions] As a reminder, this conference is being recorded. It is now my pleasure to introduce you to your host, Deborah Pawlowski, Investor Relations for Evans Bancorp. Thank you, Deborah.
You may begin.