First Bank (Nj) (NASDAQ:FRBA) Q4 2018 Earnings Conference Call January 25, 2019 9:00 AM ET Company Participants Patrick Ryan - President and Chief Executive Officer Stephen Carman - Chief Financial Officer Peter Cahill - Chief Lending Officer Conference Call Participants Nicholas Cucharale - Sandler O'Neill + Partners L.P. Joseph Gladue - Merion Capital Group LLC Operator Hello, and welcome to the First Bank Fourth Quarter 2018 Earnings Conference Call. All participants will be in listen-only mode. [Operato ...