 Evans Bancorp, Inc. NYSE:EVBN Q3 2022 Earnings Conference Call October 26, 2022 4:45 PM ET Company Participants Deborah Pawlowski - Investor Relations David Nasca - President Chief Executive Officer John Connerton - Chief Financial Officer Conference Call Participants Alex Twerdahl - Piper Sandler Chris OConnell - KBW Erik Zwick - Hovde Group Operator Greetings and welcome to the Evans Bancorp Third Quarter Fiscal Year 2022 Financial Results. At this time, all participants are in a listen-only mode. 