Q4 2019 FIRST BANK (Hamilton) Earnings Call Transcript
Good day and welcome to the First Bank Fourth Quarter 2019 Earnings Conference Call. (Operator Instructions) Please note, this event is being recorded.
I would now like to turn the conference call over to Mr. Patrick Ryan, President and CEO. Mr. Ryan, the floor is yours, sir.
Thank you. I'd like to welcome everyone to First Bank's Fourth Quarter 2019 Earnings Conference Call. I'm joined today by our Chief Financial Officer, Steve Carman; our Chief Lending Officer, Peter Cahill; and our Chief Deposits Officer, Emilio Cooper. Before we begin, however, Steve, will you please read the safe harbor statement?
The following discussion may contain forward-looking statements concerning the financial condition, results of operations and business the first time. We caution that such statements are subject to a number of uncertainties, and actual results could differ materially, and therefore,
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