ADVERTISEMENT

Civista Bancshares, Inc. (CIVB) Q1 2023 Earnings Name Transcript

74
SHARES
1.2k
VIEWS
ADVERTISEMENT
ADVERTISEMENT


Civista Bancshares, Inc. (NASDAQ:CIVB) Q1 2023 Outcomes Convention Name April 28, 2023 1:00 PM ET

Firm Members

Dennis Shaffer – President and CEO

Wealthy Dutton – SVP and COO

Chuck Parcher – SVP and Chief Lending Officer

Paul Stark – SVP

Convention Name Members

Terry McEvoy – Stephens

Tim Switzer – KBW

Manuel Navas – D.A. Davidson

Ben Gerlinger – Hovde Group

Dan Cardenas – Janney Montgomery Scott

Operator

Good day, and welcome to the Civista Bancshares First Quarter 2023 Earnings Convention Name. [Operator Instructions]

Earlier than we start, I want to remind you that this convention name could include forward-looking statements with respect to the longer term efficiency and monetary situation of Civista Bancshares, Inc. that contain dangers and uncertainties. Varied components might trigger precise outcomes to be materially completely different from any future outcomes expressed or implied by such forward-looking statements. These components are mentioned within the Firm’s SEC filings, which can be found on the Firm’s web site. The Firm disclaims any obligation to replace any forward-looking statements made in the course of the name.

Moreover, administration could seek advice from non-GAAP measures, that are supposed to complement, however not substitute probably the most instantly comparable GAAP measures. The press launch, additionally obtainable on the Firm’s web site, comprises the monetary and different quantitative info to be mentioned right now in addition to a reconciliation of the GAAP to non-GAAP measures. This name can be recorded and made obtainable on Civista Bancshares web site at www.civb.com. On the conclusion of Mr. Shaffer’s remarks right now, he and the Civista administration group will take any questions that you might have.

Now I’ll flip the decision over to Mr. Shaffer. Please go forward, sir.

Dennis Shaffer

Good afternoon. That is Dennis Shaffer, President and CEO of Civista Bancshares. And I want to thanks for becoming a member of us for our first quarter 2023 earnings

ADVERTISEMENT


Civista Bancshares, Inc. (NASDAQ:CIVB) Q1 2023 Outcomes Convention Name April 28, 2023 1:00 PM ET

Firm Members

Dennis Shaffer – President and CEO

Wealthy Dutton – SVP and COO

Chuck Parcher – SVP and Chief Lending Officer

Paul Stark – SVP

Convention Name Members

Terry McEvoy – Stephens

Tim Switzer – KBW

Manuel Navas – D.A. Davidson

Ben Gerlinger – Hovde Group

Dan Cardenas – Janney Montgomery Scott

Operator

Good day, and welcome to the Civista Bancshares First Quarter 2023 Earnings Convention Name. [Operator Instructions]

Earlier than we start, I want to remind you that this convention name could include forward-looking statements with respect to the longer term efficiency and monetary situation of Civista Bancshares, Inc. that contain dangers and uncertainties. Varied components might trigger precise outcomes to be materially completely different from any future outcomes expressed or implied by such forward-looking statements. These components are mentioned within the Firm’s SEC filings, which can be found on the Firm’s web site. The Firm disclaims any obligation to replace any forward-looking statements made in the course of the name.

Moreover, administration could seek advice from non-GAAP measures, that are supposed to complement, however not substitute probably the most instantly comparable GAAP measures. The press launch, additionally obtainable on the Firm’s web site, comprises the monetary and different quantitative info to be mentioned right now in addition to a reconciliation of the GAAP to non-GAAP measures. This name can be recorded and made obtainable on Civista Bancshares web site at www.civb.com. On the conclusion of Mr. Shaffer’s remarks right now, he and the Civista administration group will take any questions that you might have.

Now I’ll flip the decision over to Mr. Shaffer. Please go forward, sir.

Dennis Shaffer

Good afternoon. That is Dennis Shaffer, President and CEO of Civista Bancshares. And I want to thanks for becoming a member of us for our first quarter 2023 earnings

ADVERTISEMENT


Civista Bancshares, Inc. (NASDAQ:CIVB) Q1 2023 Outcomes Convention Name April 28, 2023 1:00 PM ET

Firm Members

Dennis Shaffer – President and CEO

Wealthy Dutton – SVP and COO

Chuck Parcher – SVP and Chief Lending Officer

Paul Stark – SVP

Convention Name Members

Terry McEvoy – Stephens

Tim Switzer – KBW

Manuel Navas – D.A. Davidson

Ben Gerlinger – Hovde Group

Dan Cardenas – Janney Montgomery Scott

Operator

Good day, and welcome to the Civista Bancshares First Quarter 2023 Earnings Convention Name. [Operator Instructions]

Earlier than we start, I want to remind you that this convention name could include forward-looking statements with respect to the longer term efficiency and monetary situation of Civista Bancshares, Inc. that contain dangers and uncertainties. Varied components might trigger precise outcomes to be materially completely different from any future outcomes expressed or implied by such forward-looking statements. These components are mentioned within the Firm’s SEC filings, which can be found on the Firm’s web site. The Firm disclaims any obligation to replace any forward-looking statements made in the course of the name.

Moreover, administration could seek advice from non-GAAP measures, that are supposed to complement, however not substitute probably the most instantly comparable GAAP measures. The press launch, additionally obtainable on the Firm’s web site, comprises the monetary and different quantitative info to be mentioned right now in addition to a reconciliation of the GAAP to non-GAAP measures. This name can be recorded and made obtainable on Civista Bancshares web site at www.civb.com. On the conclusion of Mr. Shaffer’s remarks right now, he and the Civista administration group will take any questions that you might have.

Now I’ll flip the decision over to Mr. Shaffer. Please go forward, sir.

Dennis Shaffer

Good afternoon. That is Dennis Shaffer, President and CEO of Civista Bancshares. And I want to thanks for becoming a member of us for our first quarter 2023 earnings

ADVERTISEMENT


Civista Bancshares, Inc. (NASDAQ:CIVB) Q1 2023 Outcomes Convention Name April 28, 2023 1:00 PM ET

Firm Members

Dennis Shaffer – President and CEO

Wealthy Dutton – SVP and COO

Chuck Parcher – SVP and Chief Lending Officer

Paul Stark – SVP

Convention Name Members

Terry McEvoy – Stephens

Tim Switzer – KBW

Manuel Navas – D.A. Davidson

Ben Gerlinger – Hovde Group

Dan Cardenas – Janney Montgomery Scott

Operator

Good day, and welcome to the Civista Bancshares First Quarter 2023 Earnings Convention Name. [Operator Instructions]

Earlier than we start, I want to remind you that this convention name could include forward-looking statements with respect to the longer term efficiency and monetary situation of Civista Bancshares, Inc. that contain dangers and uncertainties. Varied components might trigger precise outcomes to be materially completely different from any future outcomes expressed or implied by such forward-looking statements. These components are mentioned within the Firm’s SEC filings, which can be found on the Firm’s web site. The Firm disclaims any obligation to replace any forward-looking statements made in the course of the name.

Moreover, administration could seek advice from non-GAAP measures, that are supposed to complement, however not substitute probably the most instantly comparable GAAP measures. The press launch, additionally obtainable on the Firm’s web site, comprises the monetary and different quantitative info to be mentioned right now in addition to a reconciliation of the GAAP to non-GAAP measures. This name can be recorded and made obtainable on Civista Bancshares web site at www.civb.com. On the conclusion of Mr. Shaffer’s remarks right now, he and the Civista administration group will take any questions that you might have.

Now I’ll flip the decision over to Mr. Shaffer. Please go forward, sir.

Dennis Shaffer

Good afternoon. That is Dennis Shaffer, President and CEO of Civista Bancshares. And I want to thanks for becoming a member of us for our first quarter 2023 earnings

ADVERTISEMENT


Civista Bancshares, Inc. (NASDAQ:CIVB) Q1 2023 Outcomes Convention Name April 28, 2023 1:00 PM ET

Firm Members

Dennis Shaffer – President and CEO

Wealthy Dutton – SVP and COO

Chuck Parcher – SVP and Chief Lending Officer

Paul Stark – SVP

Convention Name Members

Terry McEvoy – Stephens

Tim Switzer – KBW

Manuel Navas – D.A. Davidson

Ben Gerlinger – Hovde Group

Dan Cardenas – Janney Montgomery Scott

Operator

Good day, and welcome to the Civista Bancshares First Quarter 2023 Earnings Convention Name. [Operator Instructions]

Earlier than we start, I want to remind you that this convention name could include forward-looking statements with respect to the longer term efficiency and monetary situation of Civista Bancshares, Inc. that contain dangers and uncertainties. Varied components might trigger precise outcomes to be materially completely different from any future outcomes expressed or implied by such forward-looking statements. These components are mentioned within the Firm’s SEC filings, which can be found on the Firm’s web site. The Firm disclaims any obligation to replace any forward-looking statements made in the course of the name.

Moreover, administration could seek advice from non-GAAP measures, that are supposed to complement, however not substitute probably the most instantly comparable GAAP measures. The press launch, additionally obtainable on the Firm’s web site, comprises the monetary and different quantitative info to be mentioned right now in addition to a reconciliation of the GAAP to non-GAAP measures. This name can be recorded and made obtainable on Civista Bancshares web site at www.civb.com. On the conclusion of Mr. Shaffer’s remarks right now, he and the Civista administration group will take any questions that you might have.

Now I’ll flip the decision over to Mr. Shaffer. Please go forward, sir.

Dennis Shaffer

Good afternoon. That is Dennis Shaffer, President and CEO of Civista Bancshares. And I want to thanks for becoming a member of us for our first quarter 2023 earnings

ADVERTISEMENT


Civista Bancshares, Inc. (NASDAQ:CIVB) Q1 2023 Outcomes Convention Name April 28, 2023 1:00 PM ET

Firm Members

Dennis Shaffer – President and CEO

Wealthy Dutton – SVP and COO

Chuck Parcher – SVP and Chief Lending Officer

Paul Stark – SVP

Convention Name Members

Terry McEvoy – Stephens

Tim Switzer – KBW

Manuel Navas – D.A. Davidson

Ben Gerlinger – Hovde Group

Dan Cardenas – Janney Montgomery Scott

Operator

Good day, and welcome to the Civista Bancshares First Quarter 2023 Earnings Convention Name. [Operator Instructions]

Earlier than we start, I want to remind you that this convention name could include forward-looking statements with respect to the longer term efficiency and monetary situation of Civista Bancshares, Inc. that contain dangers and uncertainties. Varied components might trigger precise outcomes to be materially completely different from any future outcomes expressed or implied by such forward-looking statements. These components are mentioned within the Firm’s SEC filings, which can be found on the Firm’s web site. The Firm disclaims any obligation to replace any forward-looking statements made in the course of the name.

Moreover, administration could seek advice from non-GAAP measures, that are supposed to complement, however not substitute probably the most instantly comparable GAAP measures. The press launch, additionally obtainable on the Firm’s web site, comprises the monetary and different quantitative info to be mentioned right now in addition to a reconciliation of the GAAP to non-GAAP measures. This name can be recorded and made obtainable on Civista Bancshares web site at www.civb.com. On the conclusion of Mr. Shaffer’s remarks right now, he and the Civista administration group will take any questions that you might have.

Now I’ll flip the decision over to Mr. Shaffer. Please go forward, sir.

Dennis Shaffer

Good afternoon. That is Dennis Shaffer, President and CEO of Civista Bancshares. And I want to thanks for becoming a member of us for our first quarter 2023 earnings

ADVERTISEMENT


Civista Bancshares, Inc. (NASDAQ:CIVB) Q1 2023 Outcomes Convention Name April 28, 2023 1:00 PM ET

Firm Members

Dennis Shaffer – President and CEO

Wealthy Dutton – SVP and COO

Chuck Parcher – SVP and Chief Lending Officer

Paul Stark – SVP

Convention Name Members

Terry McEvoy – Stephens

Tim Switzer – KBW

Manuel Navas – D.A. Davidson

Ben Gerlinger – Hovde Group

Dan Cardenas – Janney Montgomery Scott

Operator

Good day, and welcome to the Civista Bancshares First Quarter 2023 Earnings Convention Name. [Operator Instructions]

Earlier than we start, I want to remind you that this convention name could include forward-looking statements with respect to the longer term efficiency and monetary situation of Civista Bancshares, Inc. that contain dangers and uncertainties. Varied components might trigger precise outcomes to be materially completely different from any future outcomes expressed or implied by such forward-looking statements. These components are mentioned within the Firm’s SEC filings, which can be found on the Firm’s web site. The Firm disclaims any obligation to replace any forward-looking statements made in the course of the name.

Moreover, administration could seek advice from non-GAAP measures, that are supposed to complement, however not substitute probably the most instantly comparable GAAP measures. The press launch, additionally obtainable on the Firm’s web site, comprises the monetary and different quantitative info to be mentioned right now in addition to a reconciliation of the GAAP to non-GAAP measures. This name can be recorded and made obtainable on Civista Bancshares web site at www.civb.com. On the conclusion of Mr. Shaffer’s remarks right now, he and the Civista administration group will take any questions that you might have.

Now I’ll flip the decision over to Mr. Shaffer. Please go forward, sir.

Dennis Shaffer

Good afternoon. That is Dennis Shaffer, President and CEO of Civista Bancshares. And I want to thanks for becoming a member of us for our first quarter 2023 earnings

ADVERTISEMENT


Civista Bancshares, Inc. (NASDAQ:CIVB) Q1 2023 Outcomes Convention Name April 28, 2023 1:00 PM ET

Firm Members

Dennis Shaffer – President and CEO

Wealthy Dutton – SVP and COO

Chuck Parcher – SVP and Chief Lending Officer

Paul Stark – SVP

Convention Name Members

Terry McEvoy – Stephens

Tim Switzer – KBW

Manuel Navas – D.A. Davidson

Ben Gerlinger – Hovde Group

Dan Cardenas – Janney Montgomery Scott

Operator

Good day, and welcome to the Civista Bancshares First Quarter 2023 Earnings Convention Name. [Operator Instructions]

Earlier than we start, I want to remind you that this convention name could include forward-looking statements with respect to the longer term efficiency and monetary situation of Civista Bancshares, Inc. that contain dangers and uncertainties. Varied components might trigger precise outcomes to be materially completely different from any future outcomes expressed or implied by such forward-looking statements. These components are mentioned within the Firm’s SEC filings, which can be found on the Firm’s web site. The Firm disclaims any obligation to replace any forward-looking statements made in the course of the name.

Moreover, administration could seek advice from non-GAAP measures, that are supposed to complement, however not substitute probably the most instantly comparable GAAP measures. The press launch, additionally obtainable on the Firm’s web site, comprises the monetary and different quantitative info to be mentioned right now in addition to a reconciliation of the GAAP to non-GAAP measures. This name can be recorded and made obtainable on Civista Bancshares web site at www.civb.com. On the conclusion of Mr. Shaffer’s remarks right now, he and the Civista administration group will take any questions that you might have.

Now I’ll flip the decision over to Mr. Shaffer. Please go forward, sir.

Dennis Shaffer

Good afternoon. That is Dennis Shaffer, President and CEO of Civista Bancshares. And I want to thanks for becoming a member of us for our first quarter 2023 earnings

ADVERTISEMENT


Civista Bancshares, Inc. (NASDAQ:CIVB) Q1 2023 Outcomes Convention Name April 28, 2023 1:00 PM ET

Firm Members

Dennis Shaffer – President and CEO

Wealthy Dutton – SVP and COO

Chuck Parcher – SVP and Chief Lending Officer

Paul Stark – SVP

Convention Name Members

Terry McEvoy – Stephens

Tim Switzer – KBW

Manuel Navas – D.A. Davidson

Ben Gerlinger – Hovde Group

Dan Cardenas – Janney Montgomery Scott

Operator

Good day, and welcome to the Civista Bancshares First Quarter 2023 Earnings Convention Name. [Operator Instructions]

Earlier than we start, I want to remind you that this convention name could include forward-looking statements with respect to the longer term efficiency and monetary situation of Civista Bancshares, Inc. that contain dangers and uncertainties. Varied components might trigger precise outcomes to be materially completely different from any future outcomes expressed or implied by such forward-looking statements. These components are mentioned within the Firm’s SEC filings, which can be found on the Firm’s web site. The Firm disclaims any obligation to replace any forward-looking statements made in the course of the name.

Moreover, administration could seek advice from non-GAAP measures, that are supposed to complement, however not substitute probably the most instantly comparable GAAP measures. The press launch, additionally obtainable on the Firm’s web site, comprises the monetary and different quantitative info to be mentioned right now in addition to a reconciliation of the GAAP to non-GAAP measures. This name can be recorded and made obtainable on Civista Bancshares web site at www.civb.com. On the conclusion of Mr. Shaffer’s remarks right now, he and the Civista administration group will take any questions that you might have.

Now I’ll flip the decision over to Mr. Shaffer. Please go forward, sir.

Dennis Shaffer

Good afternoon. That is Dennis Shaffer, President and CEO of Civista Bancshares. And I want to thanks for becoming a member of us for our first quarter 2023 earnings

ADVERTISEMENT


Civista Bancshares, Inc. (NASDAQ:CIVB) Q1 2023 Outcomes Convention Name April 28, 2023 1:00 PM ET

Firm Members

Dennis Shaffer – President and CEO

Wealthy Dutton – SVP and COO

Chuck Parcher – SVP and Chief Lending Officer

Paul Stark – SVP

Convention Name Members

Terry McEvoy – Stephens

Tim Switzer – KBW

Manuel Navas – D.A. Davidson

Ben Gerlinger – Hovde Group

Dan Cardenas – Janney Montgomery Scott

Operator

Good day, and welcome to the Civista Bancshares First Quarter 2023 Earnings Convention Name. [Operator Instructions]

Earlier than we start, I want to remind you that this convention name could include forward-looking statements with respect to the longer term efficiency and monetary situation of Civista Bancshares, Inc. that contain dangers and uncertainties. Varied components might trigger precise outcomes to be materially completely different from any future outcomes expressed or implied by such forward-looking statements. These components are mentioned within the Firm’s SEC filings, which can be found on the Firm’s web site. The Firm disclaims any obligation to replace any forward-looking statements made in the course of the name.

Moreover, administration could seek advice from non-GAAP measures, that are supposed to complement, however not substitute probably the most instantly comparable GAAP measures. The press launch, additionally obtainable on the Firm’s web site, comprises the monetary and different quantitative info to be mentioned right now in addition to a reconciliation of the GAAP to non-GAAP measures. This name can be recorded and made obtainable on Civista Bancshares web site at www.civb.com. On the conclusion of Mr. Shaffer’s remarks right now, he and the Civista administration group will take any questions that you might have.

Now I’ll flip the decision over to Mr. Shaffer. Please go forward, sir.

Dennis Shaffer

Good afternoon. That is Dennis Shaffer, President and CEO of Civista Bancshares. And I want to thanks for becoming a member of us for our first quarter 2023 earnings

ADVERTISEMENT


Civista Bancshares, Inc. (NASDAQ:CIVB) Q1 2023 Outcomes Convention Name April 28, 2023 1:00 PM ET

Firm Members

Dennis Shaffer – President and CEO

Wealthy Dutton – SVP and COO

Chuck Parcher – SVP and Chief Lending Officer

Paul Stark – SVP

Convention Name Members

Terry McEvoy – Stephens

Tim Switzer – KBW

Manuel Navas – D.A. Davidson

Ben Gerlinger – Hovde Group

Dan Cardenas – Janney Montgomery Scott

Operator

Good day, and welcome to the Civista Bancshares First Quarter 2023 Earnings Convention Name. [Operator Instructions]

Earlier than we start, I want to remind you that this convention name could include forward-looking statements with respect to the longer term efficiency and monetary situation of Civista Bancshares, Inc. that contain dangers and uncertainties. Varied components might trigger precise outcomes to be materially completely different from any future outcomes expressed or implied by such forward-looking statements. These components are mentioned within the Firm’s SEC filings, which can be found on the Firm’s web site. The Firm disclaims any obligation to replace any forward-looking statements made in the course of the name.

Moreover, administration could seek advice from non-GAAP measures, that are supposed to complement, however not substitute probably the most instantly comparable GAAP measures. The press launch, additionally obtainable on the Firm’s web site, comprises the monetary and different quantitative info to be mentioned right now in addition to a reconciliation of the GAAP to non-GAAP measures. This name can be recorded and made obtainable on Civista Bancshares web site at www.civb.com. On the conclusion of Mr. Shaffer’s remarks right now, he and the Civista administration group will take any questions that you might have.

Now I’ll flip the decision over to Mr. Shaffer. Please go forward, sir.

Dennis Shaffer

Good afternoon. That is Dennis Shaffer, President and CEO of Civista Bancshares. And I want to thanks for becoming a member of us for our first quarter 2023 earnings

ADVERTISEMENT


Civista Bancshares, Inc. (NASDAQ:CIVB) Q1 2023 Outcomes Convention Name April 28, 2023 1:00 PM ET

Firm Members

Dennis Shaffer – President and CEO

Wealthy Dutton – SVP and COO

Chuck Parcher – SVP and Chief Lending Officer

Paul Stark – SVP

Convention Name Members

Terry McEvoy – Stephens

Tim Switzer – KBW

Manuel Navas – D.A. Davidson

Ben Gerlinger – Hovde Group

Dan Cardenas – Janney Montgomery Scott

Operator

Good day, and welcome to the Civista Bancshares First Quarter 2023 Earnings Convention Name. [Operator Instructions]

Earlier than we start, I want to remind you that this convention name could include forward-looking statements with respect to the longer term efficiency and monetary situation of Civista Bancshares, Inc. that contain dangers and uncertainties. Varied components might trigger precise outcomes to be materially completely different from any future outcomes expressed or implied by such forward-looking statements. These components are mentioned within the Firm’s SEC filings, which can be found on the Firm’s web site. The Firm disclaims any obligation to replace any forward-looking statements made in the course of the name.

Moreover, administration could seek advice from non-GAAP measures, that are supposed to complement, however not substitute probably the most instantly comparable GAAP measures. The press launch, additionally obtainable on the Firm’s web site, comprises the monetary and different quantitative info to be mentioned right now in addition to a reconciliation of the GAAP to non-GAAP measures. This name can be recorded and made obtainable on Civista Bancshares web site at www.civb.com. On the conclusion of Mr. Shaffer’s remarks right now, he and the Civista administration group will take any questions that you might have.

Now I’ll flip the decision over to Mr. Shaffer. Please go forward, sir.

Dennis Shaffer

Good afternoon. That is Dennis Shaffer, President and CEO of Civista Bancshares. And I want to thanks for becoming a member of us for our first quarter 2023 earnings

ADVERTISEMENT


Civista Bancshares, Inc. (NASDAQ:CIVB) Q1 2023 Outcomes Convention Name April 28, 2023 1:00 PM ET

Firm Members

Dennis Shaffer – President and CEO

Wealthy Dutton – SVP and COO

Chuck Parcher – SVP and Chief Lending Officer

Paul Stark – SVP

Convention Name Members

Terry McEvoy – Stephens

Tim Switzer – KBW

Manuel Navas – D.A. Davidson

Ben Gerlinger – Hovde Group

Dan Cardenas – Janney Montgomery Scott

Operator

Good day, and welcome to the Civista Bancshares First Quarter 2023 Earnings Convention Name. [Operator Instructions]

Earlier than we start, I want to remind you that this convention name could include forward-looking statements with respect to the longer term efficiency and monetary situation of Civista Bancshares, Inc. that contain dangers and uncertainties. Varied components might trigger precise outcomes to be materially completely different from any future outcomes expressed or implied by such forward-looking statements. These components are mentioned within the Firm’s SEC filings, which can be found on the Firm’s web site. The Firm disclaims any obligation to replace any forward-looking statements made in the course of the name.

Moreover, administration could seek advice from non-GAAP measures, that are supposed to complement, however not substitute probably the most instantly comparable GAAP measures. The press launch, additionally obtainable on the Firm’s web site, comprises the monetary and different quantitative info to be mentioned right now in addition to a reconciliation of the GAAP to non-GAAP measures. This name can be recorded and made obtainable on Civista Bancshares web site at www.civb.com. On the conclusion of Mr. Shaffer’s remarks right now, he and the Civista administration group will take any questions that you might have.

Now I’ll flip the decision over to Mr. Shaffer. Please go forward, sir.

Dennis Shaffer

Good afternoon. That is Dennis Shaffer, President and CEO of Civista Bancshares. And I want to thanks for becoming a member of us for our first quarter 2023 earnings

ADVERTISEMENT


Civista Bancshares, Inc. (NASDAQ:CIVB) Q1 2023 Outcomes Convention Name April 28, 2023 1:00 PM ET

Firm Members

Dennis Shaffer – President and CEO

Wealthy Dutton – SVP and COO

Chuck Parcher – SVP and Chief Lending Officer

Paul Stark – SVP

Convention Name Members

Terry McEvoy – Stephens

Tim Switzer – KBW

Manuel Navas – D.A. Davidson

Ben Gerlinger – Hovde Group

Dan Cardenas – Janney Montgomery Scott

Operator

Good day, and welcome to the Civista Bancshares First Quarter 2023 Earnings Convention Name. [Operator Instructions]

Earlier than we start, I want to remind you that this convention name could include forward-looking statements with respect to the longer term efficiency and monetary situation of Civista Bancshares, Inc. that contain dangers and uncertainties. Varied components might trigger precise outcomes to be materially completely different from any future outcomes expressed or implied by such forward-looking statements. These components are mentioned within the Firm’s SEC filings, which can be found on the Firm’s web site. The Firm disclaims any obligation to replace any forward-looking statements made in the course of the name.

Moreover, administration could seek advice from non-GAAP measures, that are supposed to complement, however not substitute probably the most instantly comparable GAAP measures. The press launch, additionally obtainable on the Firm’s web site, comprises the monetary and different quantitative info to be mentioned right now in addition to a reconciliation of the GAAP to non-GAAP measures. This name can be recorded and made obtainable on Civista Bancshares web site at www.civb.com. On the conclusion of Mr. Shaffer’s remarks right now, he and the Civista administration group will take any questions that you might have.

Now I’ll flip the decision over to Mr. Shaffer. Please go forward, sir.

Dennis Shaffer

Good afternoon. That is Dennis Shaffer, President and CEO of Civista Bancshares. And I want to thanks for becoming a member of us for our first quarter 2023 earnings

ADVERTISEMENT


Civista Bancshares, Inc. (NASDAQ:CIVB) Q1 2023 Outcomes Convention Name April 28, 2023 1:00 PM ET

Firm Members

Dennis Shaffer – President and CEO

Wealthy Dutton – SVP and COO

Chuck Parcher – SVP and Chief Lending Officer

Paul Stark – SVP

Convention Name Members

Terry McEvoy – Stephens

Tim Switzer – KBW

Manuel Navas – D.A. Davidson

Ben Gerlinger – Hovde Group

Dan Cardenas – Janney Montgomery Scott

Operator

Good day, and welcome to the Civista Bancshares First Quarter 2023 Earnings Convention Name. [Operator Instructions]

Earlier than we start, I want to remind you that this convention name could include forward-looking statements with respect to the longer term efficiency and monetary situation of Civista Bancshares, Inc. that contain dangers and uncertainties. Varied components might trigger precise outcomes to be materially completely different from any future outcomes expressed or implied by such forward-looking statements. These components are mentioned within the Firm’s SEC filings, which can be found on the Firm’s web site. The Firm disclaims any obligation to replace any forward-looking statements made in the course of the name.

Moreover, administration could seek advice from non-GAAP measures, that are supposed to complement, however not substitute probably the most instantly comparable GAAP measures. The press launch, additionally obtainable on the Firm’s web site, comprises the monetary and different quantitative info to be mentioned right now in addition to a reconciliation of the GAAP to non-GAAP measures. This name can be recorded and made obtainable on Civista Bancshares web site at www.civb.com. On the conclusion of Mr. Shaffer’s remarks right now, he and the Civista administration group will take any questions that you might have.

Now I’ll flip the decision over to Mr. Shaffer. Please go forward, sir.

Dennis Shaffer

Good afternoon. That is Dennis Shaffer, President and CEO of Civista Bancshares. And I want to thanks for becoming a member of us for our first quarter 2023 earnings

ADVERTISEMENT


Civista Bancshares, Inc. (NASDAQ:CIVB) Q1 2023 Outcomes Convention Name April 28, 2023 1:00 PM ET

Firm Members

Dennis Shaffer – President and CEO

Wealthy Dutton – SVP and COO

Chuck Parcher – SVP and Chief Lending Officer

Paul Stark – SVP

Convention Name Members

Terry McEvoy – Stephens

Tim Switzer – KBW

Manuel Navas – D.A. Davidson

Ben Gerlinger – Hovde Group

Dan Cardenas – Janney Montgomery Scott

Operator

Good day, and welcome to the Civista Bancshares First Quarter 2023 Earnings Convention Name. [Operator Instructions]

Earlier than we start, I want to remind you that this convention name could include forward-looking statements with respect to the longer term efficiency and monetary situation of Civista Bancshares, Inc. that contain dangers and uncertainties. Varied components might trigger precise outcomes to be materially completely different from any future outcomes expressed or implied by such forward-looking statements. These components are mentioned within the Firm’s SEC filings, which can be found on the Firm’s web site. The Firm disclaims any obligation to replace any forward-looking statements made in the course of the name.

Moreover, administration could seek advice from non-GAAP measures, that are supposed to complement, however not substitute probably the most instantly comparable GAAP measures. The press launch, additionally obtainable on the Firm’s web site, comprises the monetary and different quantitative info to be mentioned right now in addition to a reconciliation of the GAAP to non-GAAP measures. This name can be recorded and made obtainable on Civista Bancshares web site at www.civb.com. On the conclusion of Mr. Shaffer’s remarks right now, he and the Civista administration group will take any questions that you might have.

Now I’ll flip the decision over to Mr. Shaffer. Please go forward, sir.

Dennis Shaffer

Good afternoon. That is Dennis Shaffer, President and CEO of Civista Bancshares. And I want to thanks for becoming a member of us for our first quarter 2023 earnings

Gaze week

Gaze week

it is world news site that provides up-to-date news and information about world happenings and happenings. It covers a range of topics including politics, economics, technology, entertainment, and more. The site aims to provide unbiased and accurate information from credible sources around the world.

Recommended For You

Next Post

Leave a Reply

Your email address will not be published. Required fields are marked *