 First Bank NASDAQ:FRBA Q2 2020 Earnings Conference Call July 28, 2020, 09:00 AM ET Company Participants Patrick Ryan - President CEO Stephen Carman - EVP CFO Peter Cahill - EVP Chief Lending Officer Emilio Cooper - EVP Chief Deposits Officer Conference Call Participants Nick Cucharale - Piper Sandler David Bishop - DA Davidson Presentation Operator Good day, and welcome to the First Bank Second Quarter 2020 Earnings Conference Call and Webcast. 