Dennis Shaffer | executive |
Nicholas Cucharale | analyst |
Richard Dutton | executive |
Terence McEvoy | analyst |
Timothy Switzer | analyst |
Manuel Navas | analyst |
Charles Parcher | executive |
Daniel Cardenas | analyst |
[Audio Gap]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 involve 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.Additionally, management may refer to non-GAAP measures, which are intended to supplement, but not substitute the most directly comparable GAAP measures.