Civista Bancshares, Inc. (NASDAQ:CIVB) Q4 2024 Earnings Conference Call January 30, 2025 1:00 PM ET
Company Participants
Dennis Shaffer – President & Chief Executive Officer
Ian Whinnem – Senior Vice President & Chief Financial Officer
Richard Dutton – Senior Vice President & Chief Operating Officer
Mike Mulford – Chief Credit Officer
Conference Call Participants
Brendan Nosal – Hovde Group
Justin Crowley – Piper Sandler
Tim Switzer – KBW
Terry McEvoy – Stephens
Manuel Navas – D.A. Davidson
Operator
Good afternoon ladies and gentlemen and welcome to the Civista Bancshares, Inc. Fourth Quarter 2024 Earnings Conference Call. At this time, all lines are in a listen-only mode.
Before we begin, I would like to remind you that this conference call may contain forward-looking statements with respect to the future performance and financial condition of Civista Bancshares, Inc. that involve risks and uncertainties. Various factors could cause actual results to be materially different from any future results expressed or implied by such forward-looking statements. These factors are discussed in the company’s SEC filings which are available on the company’s website. The company disclaims any obligation to update any forward-looking statements made during the call. Additionally, management may refer to non-GAAP measures which are intended to supplement but not substitute, the most directly comparable GAAP measures. The press release, also available on the company’s website, contains the financial and other quantitative information to be discussed today as well as the reconciliation of the GAAP to non-GAAP measures. This call will be recorded and made available on Civista Bancshares’ website at www.civb.com.
At the conclusion of Mr. Shaffer’s remarks, he and the Civista management team will take any questions you may have.
Now, I will turn the call over to Mr. Shaffer.
Dennis Shaffer
Thank you. Good afternoon. This is Dennis Shaffer, President and CEO of Civista
