Dennis Shaffer | President, Chief Executive Officer |
Rich Dutton | Senior Vice President, Chief Operating Officer |
Chuck Parcher | Senior Vice President, Chief Lending Officer |
Paul Stark | Chief Credit Officer |
Michael Schiavone | KBW |
Terry McEvoy | Stephens |
Nick Cucharale | Piper Sandler |
Russell Gunther | D.A. Davidson |
Joe Plevelich | Boenning & Scattergood |
Bryce Rowe | Hovde |
Good day, and welcome to the Civista Bancshares, Fourth Quarter and Year End 2020 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions]. Please note, today’s event is being recorded. I would now like to turn the conference over to Dennis Shaffer, President and CEO.