Q4 2018 Civista Bancshares Inc Earnings Call Transcript
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.
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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