Q4 2020 Evans Bancorp Inc Earnings Call Transcript
Greetings, and welcome to Evans Bancorp Fourth Quarter and Full Year 2020 Financial Results Conference Call. (Operator Instructions) As a reminder, this conference is being recorded.
I would now like to turn the conference over to your host and Investor Relations for Evans Bancorp, Deborah Pawlowski.
Thank you, Omar, and good afternoon, everyone. We certainly appreciate your taking the time today to join us and your interest in Evans Bancorp.
On the call, we have David Nasca, our President and Chief Executive Officer; and John Connerton, our Chief Financial Officer. David and John will review the results of the fourth quarter and full year 2020, and then we will open up the call for questions.
You should have a copy of the financial results that were released today after the markets closed. If not, you can access them on our website at www.evansbank.com.
As you are aware, we may make some
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