Q4 2018 Civista Bancshares Inc Earnings Call Transcript

Feb 06, 2024

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Feb 15, 2019 / 06:00PM GMT
Operator

Good day, and welcome to the Civista Bancshares Fourth Quarter and Full Year 2018 Earnings Call. (Operator Instructions) Please note this event is being recorded.

I would now like to turn the conference over to Dennis Shaffer, President and Chief Executive Officer. Please go ahead.

Dennis G. Shaffer - Civista Bancshares, Inc. - President, CEO & Director

Good afternoon. This is Dennis Shaffer, President and CEO of Civista Bancshares. And I would like to thank you for joining us for our fourth quarter and full tear 2018 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 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

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