Q4 2020 FIRST BANK (Hamilton) Earnings Call Transcript
Good day, and welcome to the First Bank FRBA Fourth Quarter 2020 Earnings Conference Call. (Operator Instructions) Please note, this event is being recorded.
I would now like to turn the conference over to Pat Ryan, CEO. Please go ahead.
Thank you. I'd like to welcome everyone today to First Bank's Fourth Quarter and Full Year 2020 Earnings Call. I'm joined today by Steve Carman, our Chief Financial Officer; Peter Cahill, our Chief Lending Officer; and Emilio Cooper, our Chief Deposits Officer. Before we begin, however, Steve will read the safe harbor statement.
The following discussion may contain forward-looking statements concerning the financial condition, results of operations and business of First Bank. We caution that such statements are subject to a number of uncertainties, and actual results could differ materially, and therefore, you should not place undue reliance on any
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