Q3 2019 Evans Bancorp Inc Earnings Call Transcript
Greetings, and welcome to the Evans Bancorp's Third Quarter 2019 Financial Results. (Operator Instructions) As a reminder, this conference is being recorded.
It is now my pleasure to introduce your host, Craig Mychajluk. Please go ahead.
Yes. Thank you. Good afternoon, everyone. We certainly appreciate you taking the time to join us today and your interest in Evans Bancorp. On the call today we have David Nasca, President and Chief Executive Officer; and John Connerton, our Chief Financial Officer. David and John will review results for the third quarter, 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 evensbank.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 and uncertainties as well as other factors that could
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