Q4 2021 Civista Bancshares Inc Earnings Call Transcript
Good day, and welcome to the Civista Bancshares Inc. 2021 Earnings Call. (Operator Instructions) Please note this event is being recorded.
I would now like to turn the conference over to Dennis Shaffer, CEO and President. Please go ahead.
Good afternoon. This is Dennis Shaffer, CEO and President of Civista Bancshares, and I would like to thank you for joining us for our fourth quarter and full year 2021 earnings call. I am joined remotely by Rich Dutton, Senior Vice President of the company and Chief Operating Officer of the bank; Chuck Parcher, Senior Vice President of the company and Chief Lending Officer of the bank and other members of our executive team.
Before we begin, I would 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 different from any
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