 Civista Bancshares, Inc. NASDAQ:CIVB Q2 2022 Earnings Conference Call July 28, 2022 1:00 PM ET Company Participants Dennis Shaffer - President and Chief Executive Officer Rich Dutton - Senior Vice President and Chief Operating Officer Chuck Parcher - Senior Vice President and Chief Lending Officer Paul Stark - Chief Credit Officer Conference Call Participants Terry McEvoy - Stephens Tim Switzer - KBW Nick Cucharale - Piper Sandler Operator 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. 