Q4 2019 Evans Bancorp Inc Earnings Call Transcript
Greetings. Welcome to the Evans Bancorp Fourth Quarter Fiscal Year 2019 Financial Results Conference Call. (Operator Instructions) Please note, this conference is being recorded. I will now turn the conference over to your host, Craig Mychajluk, Investor Relations. Mr. Mychajluk, you may begin.
Yes. Thank you and good afternoon, everyone. We certainly appreciate your time today and your interest in Evans Bancorp. Joining me on the call are David Nasca, President and Chief Executive Officer; and John Connerton, Chief Financial Officer. David and John will review our results for the fourth quarter and full year, and then we'll open it up for questions.
You should have a copy of the financial results that were released today after the market close. If not, you can access it on our website at evansbank.com.
As you are aware, we may make some forward-looking statements during the formal discussion as well as during the Q&A. These statements apply to future events that are subject to risks
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