 Civista Bancshares, Inc. NASDAQ:CIVB Q3 2022 Results Conference Call October 27, 2022 1:00 PM ET Company Participants Dennis Shaffer - President and CEO Chuck Parcher - SVP and Chief Lending Officer Rich Dutton - SVP and COO Conference Call Participants Terry McEvoy - Stephens Tim Switzer - KBW Paul Stark - Chief Credit Officer Nick Cucharale - Piper Sandler Manuel Navas - D.A. Davidson Terry McEvoy - Stephens Operator Good day, and welcome to the Civista Bancshares Third Quarter 2022 Earnings Call. 