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Operator
Good day, and welcome to the Civista Bancshares Fourth Quarter and Year-end 2020 Earnings Conference Call. [Operator Instructions]. After today s presentation, there will be an opportunity to ask questions.
[Operator Instructions] Please note, today s event is being recorded.
I would now like to turn the conference over to Dennis Shaffer, President and CEO. Please go ahead, sir.
Dennis G. Shaffer
Chief Exeuctive Officer and President
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 year 2020 earnings call. I m joined today by Rich Dutton, Senior Vice President of the Company and Chief Operating Officer of the Bank; Chuck Parcher, Senior Vice President of the Company and Chief Lending Officer of the Bank; and other members of our executive team. ....

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