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Operator: Good day, and welcome to the Civista Bancshares year-end 2022 Earnings Conference Call. .

United statesCivista bancsharesTerry mcevoyDennis shafferManuel navasTerence mcevoyCharles parcherRichard duttonVision financial group incCivista bancshares incComunibanc corpVision financial groupCall transcript februaryRich duttonChief operating officerChief lending officer