Q3 2020 Evans Bancorp Inc Earnings Call Transcript

Oct 29, 2020 / 08:45PM GMT
Operator

Good day and welcome to the Evans Bancorp Third Quarter Fiscal Year 2020 Financial Results Conference Call. Today's conference is being recorded.

At this time, I would like to turn the conference over to Deborah Pawlowski, Investor Relations for Evans Bancorp. Please begin, ma'am.

Deborah K. Pawlowski - Kei Advisors LLC - Chairman, CEO and Founder

Thank you, Mary. And good afternoon, everyone. We certainly appreciate you taking the time today to join us, and your interest in Evans Bancorp. On the call, we have with me here David Nasca, our President and Chief Executive Officer; and John Connerton, our Chief Financial Officer. David and John will review our results for third quarter of 2020 and then we will open the call for questions. You should have a copy of the financial results that were released today after the markets closed. And if not, you can access them on our website at www.evansbank.com. On the website, you'll also find slides that accompany today's discussion. If you are

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