Q4 2019 Civista Bancshares Inc Earnings Call Transcript
Good day, and welcome to the Civista Bancshares Fourth Quarter and Full Year 2019 Earnings Conference Call.
(Operator Instructions)
Please note, today's event is being recorded. I would now like to turn the conference over to Dennis Shaffer, Civista Bancshares' President and Chief Executive Officer. Please go ahead, sir.
Good afternoon. This is Dennis Shaffer, and I would like to thank you for joining us for our fourth quarter and full year 2019 earnings call. I'm joined today by Rich Dutton, SVP of the company and Chief Operating Officer of the Bank; Chuck Parcher, SVP of the company and Chief Lending Officer of the Bank, and other members of our executive team.
Before we begin, I'd like to remind you that this conference call contains forward-looking statements with respect to the future performance and financial condition of Civista Bancshares, Inc. that involves risks and uncertainties. Various factors could cause actual results to be materially
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