UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number 0-33203 LANDMARK BANCORP, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of inc ...

Landmark Bancorp, Inc. (NASDAQ:LARK) Q3 2020 Earnings Conference Call October 28, 2020 11:00 AM ET Company Participants Michael Scheopner - President, CEO & Director Mark Herpich - VP, Secretary, CFO & Treasurer Conference Call Participants Operator Good day, and welcome to the Landmark Bancorp Q3 Earnings call. [Operator Instructions]. Please note, this event is being recorded. I would like now to turn the conference over to Michael Scheopner. Please go ahead. Michael Scheopner Thank you, and good morning. ...

PART I - FINANCIAL INFORMATION [Financial Statements](index=3&type=section&id=Item%201.%20Financial%20Statements) The unaudited financial statements show a significant increase in total assets to $1.12 billion and a 77% rise in net earnings, driven by PPP loans and gains on loan sales Consolidated Balance Sheet Highlights (Unaudited) | (In thousands) | June 30, 2020 | December 31, 2019 | Change (%) | | :--- | :--- | :--- | :--- | | **Total Assets** | **$1,118,937** | **$998,465** | **+12.1%** | | Loans, net | $689,626 | $532,180 | +29.6% | | - Paycheck Protection Program Loans | $130,137 | $0 | N/A | | Investment securities available-for-sale | $306,825 | $362,998 | -15.5% | | **Total Liabilities** | **$1,001,657** | **$889,858** | **+12.6%** | | Total Deposits | $944,204 | $835,048 | +13.1% | | - Non-interest-bearing demand | $277,574 | $182,717 | +51.9% | | **Total Stockholders' Equity** | **$117,280** | **$108,607** | **+8.0%** | Consolidated Earnings Highlights (Unaudited) | (In thousands, except per share) | Six Months Ended June 30, 2020 | Six Months Ended June 30, 2019 | Change (%) | | :--- | :--- | :--- | :--- | | Net Interest Income | $17,117 | $14,677 | +16.6% | | Provision for loan losses | $1,600 | $600 | +166.7% | | Non-interest Income | $12,325 | $7,244 | +70.1% | | - Gains on sales of loans, net | $6,017 | $2,862 | +110.2% | | **Net Earnings** | **$8,463** | **$4,781** | **+77.0%** | | **Diluted EPS** | **$1.86** | **$1.04** | **+78.8%** | Consolidated Cash Flow Highlights (Unaudited) | (In thousands) | Six Months Ended June 30, 2020 | Six Months Ended June 30, 2019 | | :--- | :--- | :--- | | Net cash used in operating activities | $(2,468) | $(5,260) | | Net cash used in investing activities | $(95,705) | $(5,127) | | Net cash provided by financing activities | $102,666 | $5,572 | [Notes to Consolidated Financial Statements](index=9&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) Key notes highlight the impact of COVID-19, including PPP loan growth, increased loan loss provisions, and loan modifications under the CARES Act - The company originated **$130.1 million** in Paycheck Protection Program (PPP) loans as of June 30, 2020[31](index=31&type=chunk) - Impaired loans increased from $8.7 million at year-end 2019 to **$11.9 million** at June 30, 2020[33](index=33&type=chunk) - As of June 30, 2020, the company had 135 loan modifications totaling **$54.7 million** related to the COVID-19 pandemic, which are not classified as TDRs per regulatory guidance[43](index=43&type=chunk) - Goodwill was tested for impairment as of March 31, 2020, due to a triggering event (COVID-19) and was **not found to be impaired**[44](index=44&type=chunk) - The company, as a smaller reporting company, plans to delay the implementation of the CECL accounting standard until **January 1, 2023**[82](index=82&type=chunk) Company Regulatory Capital Ratios (June 30, 2020) | Capital Ratio | Actual Ratio | Minimum for Capital Adequacy (incl. buffer) | | :--- | :--- | :--- | | Common Equity Tier 1 | 13.14% | 7.0% | | Tier 1 Capital | 16.19% | 8.5% | | Total Risk Based Capital | 17.33% | 10.5% | | Leverage | 10.41% | 4.0% | [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=30&type=section&id=Item%202.%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management attributes strong performance to higher loan sale gains and PPP loan volume, while increasing provisions for COVID-19 related economic impacts - The company's response to the COVID-19 pandemic included funding 1,035 PPP loans totaling approximately **$130.1 million** and offering loan forbearance and modifications to impacted customers[99](index=99&type=chunk) - The increase in provision for loan losses to **$1.6 million** for the first six months of 2020 (from $600,000 in 2019) was primarily due to the estimated economic impact of the COVID-19 pandemic[116](index=116&type=chunk) - Total assets increased by **$120.5 million (12.1%) to $1.1 billion**, primarily driven by PPP loan originations; total deposits increased by **$109.2 million (13.1%)**, largely due to PPP funds and government stimulus[124](index=124&type=chunk)[131](index=131&type=chunk) Key Performance Ratios (Annualized) | Ratio | Six Months Ended June 30, 2020 | Six Months Ended June 30, 2019 | | :--- | :--- | :--- | | Return on average assets | 1.62% | 0.98% | | Return on average equity | 15.22% | 10.08% | | Net interest margin | 3.69% | 3.42% | [Financial Condition and Asset Quality](index=38&type=section&id=Financial%20Condition%20and%20Asset%20Quality) Total assets reached $1.1 billion due to PPP loans, though asset quality showed stress with increased classified and non-accrual loans - The increase in classified loans was primarily attributed to the impact of **COVID-19** and continued weakness in the **agriculture industry**[126](index=126&type=chunk) Asset Quality Indicators | (In thousands) | June 30, 2020 | Dec 31, 2019 | | :--- | :--- | :--- | | Classified Loans | $26,013 | $18,117 | | Non-accrual Loans | $8,245 | $5,546 | | % of Gross Loans | 1.18% | 1.03% | | Impaired Loans | $11,908 | $8,680 | | Allowance for Loan Losses | $7,747 | $6,467 | COVID-19 Loan Modifications by Industry (June 30, 2020) | (In thousands) | Commercial Real Estate | Commercial | Other | Total | | :--- | :--- | :--- | :--- | :--- | | Accommodations and hotels | $9,920 | $0 | $0 | $9,920 | | Real estate rental (non-owner) | $8,511 | $0 | $4,720 | $13,231 | | Restaurants | $3,779 | $820 | $0 | $4,599 | | **Total Modifications** | **$33,786** | **$6,728** | **$14,196** | **$54,710** | [Liquidity and Capital](index=40&type=section&id=Liquidity%20and%20Capital) The company maintained a strong liquidity position and robust capital levels, remaining 'well capitalized' while continuing its quarterly dividend - Liquid assets (cash and AFS securities) totaled **$325.0 million** at June 30, 2020[136](index=136&type=chunk) - The company has significant available credit, including **$67.2 million** from FHLB, **$107.3 million** from the Federal Reserve discount window, and **$30.0 million** from correspondent banks[137](index=137&type=chunk) - Both the Company and the Bank met all capital adequacy requirements to be deemed **'well capitalized'** as of June 30, 2020[142](index=142&type=chunk) - A quarterly cash dividend of **$0.20 per share** was paid during Q2 2020[144](index=144&type=chunk) [Quantitative and Qualitative Disclosures about Market Risk](index=44&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20about%20Market%20Risk) The company manages interest rate risk, with models showing minimal impact on net interest income from a 100 basis point rate change Interest Rate Sensitivity Analysis (12-Month Horizon) | Scenario | Dollar Change in Net Interest Income ($000s) | Percent Change in Net Interest Income | | :--- | :--- | :--- | | +200 basis points | $81 | 0.2% | | +100 basis points | $(127) | (0.4%) | | -100 basis points | $58 | 0.2% | [Controls and Procedures](index=46&type=section&id=Item%204.%20Controls%20and%20Procedures) Management concluded that disclosure controls and procedures were effective, with no material changes to internal controls during the quarter - The Company's management, including the CEO and CFO, concluded that disclosure controls and procedures were **effective** as of June 30, 2020[163](index=163&type=chunk) - **No changes** in internal control over financial reporting occurred during the quarter ended June 30, 2020, that materially affected or are reasonably likely to materially affect the controls[164](index=164&type=chunk) PART II - OTHER INFORMATION [Legal Proceedings](index=47&type=section&id=Item%201.%20Legal%20Proceedings) The company is not party to any material legal proceedings outside of ordinary routine litigation - There are **no material pending legal proceedings** against the Company or its subsidiaries outside of ordinary routine litigation[167](index=167&type=chunk) [Risk Factors](index=47&type=section&id=Item%201A.%20Risk%20Factors) The COVID-19 pandemic is identified as a significant new risk factor, potentially impacting the economy, customers, and company operations - A new risk factor has been added regarding the adverse impact of the **COVID-19 pandemic** on the economy, customers, and company operations[168](index=168&type=chunk) - The pandemic is expected to cause disruptions leading to **decreased earnings, loan defaults, and potential material losses** in the loan portfolio[169](index=169&type=chunk)[173](index=173&type=chunk) - Borrowers in the **retail, restaurant, hospitality, and agriculture industries** are identified as being particularly vulnerable, which could lead to increased loan defaults[170](index=170&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=48&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) The company repurchased 15,757 shares during the quarter as part of its publicly announced stock repurchase programs - As of June 30, 2020, **227,002 shares** may yet be purchased under the company's announced stock repurchase plans[174](index=174&type=chunk) Share Repurchases for Q2 2020 | Period | Total Shares Purchased | Average Price Paid per Share | | :--- | :--- | :--- | | April 1-30, 2020 | 15,757 | $20.73 | | May 1-31, 2020 | - | - | | June 1-30, 2020 | - | - | | **Total** | **15,757** | **$20.73** | [Defaults Upon Senior Securities](index=48&type=section&id=Item%203.%20Defaults%20Upon%20Senior%20Securities) The company reported no defaults upon senior securities - There were **no defaults** upon senior securities[175](index=175&type=chunk) [Mine Safety Disclosures](index=48&type=section&id=Item%204.%20Mine%20Safety%20Disclosures) This section is not applicable to the company - Not applicable[176](index=176&type=chunk) [Other Information](index=48&type=section&id=Item%205.%20Other%20Information) No other information was reported for the period - No other information was reported[177](index=177&type=chunk) [Exhibits](index=48&type=section&id=Item%206.%20Exhibits) The report includes required CEO/CFO certifications and Interactive Data Files as exhibits - Exhibits filed include **CEO/CFO certifications** and **Interactive Data Files (Inline XBRL)**[178](index=178&type=chunk)

Landmark Bancorp, Inc. (NASDAQ:LARK) Q2 2020 Results Earnings Conference Call July 30, 2020 11:00 AM ET Company Participants Michael Scheopner - President and CEO Mark Herpich - Chief Financial Officer Conference Call Participants John Rodis - FIG Partners Operator Good morning. And welcome to Landmark Bancorp’s Second Quarter Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity to ask questions. [Operator In ...

FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 OR UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number 0-33203 LANDMARK BANCORP, INC. (Exact name of registrant as specified in its charter) | Delaware | 43-1930755 | | --- | - ...

Landmark Bancorp, Inc. (NASDAQ:LARK) Q1 2020 Earnings Conference Call May 6, 2020 11:00 AM ET Company Participants Michael Scheopner - President, CEO & Director Mark Herpich - Secretary, CFO & Treasurer Conference Call Participants John Rodis - Janney Montgomery Scott Operator Good morning, and welcome to the Landmark Corp. Conference Call. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Michael Scheopner, Chief Executive Officer. Please go ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For fiscal year ended December 31, 2019 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from __________ to ___________ Commission File Number 0-33203 LANDMARK BANCORP, INC. (Exact name of Registrant as specified in its charter) (State or other jurisdiction of incorporati ...

Landmark Bancorp, Inc. (NASDAQ:LARK) Q4 2019 Earnings Conference Call January 29, 2020 11:00 AM ET Company Participants Michael Scheopner - President, CEO & Director Mark Herpich - Secretary, CFO & Treasurer Conference Call Participants Operator Good day, and welcome to the Landmark Bancorp Fourth Quarter Earnings Conference Call. [Operator Instructions]. Please note, this event is being recorded. I would now like to turn the conference over to Michael Scheopner, President and Chief Executive Officer. Pleas ...

[PART I – FINANCIAL INFORMATION](index=4&type=section&id=PART%20I%20%E2%80%93%20FINANCIAL%20INFORMATION) [Financial Statements](index=4&type=section&id=Item%201.%20Financial%20Statements) This section presents Landmark Bancorp's unaudited consolidated financial statements, including balance sheets, earnings, cash flows, and detailed notes [Consolidated Balance Sheets](index=4&type=section&id=Consolidated%20Balance%20Sheets) Total assets grew to $1.01 billion, driven by increased net loans, while stockholders' equity significantly rose to $106.0 million Consolidated Balance Sheet Highlights (in thousands) | Account | Sep 30, 2019 (Unaudited) | Dec 31, 2018 | | :--- | :--- | :--- | | **Assets** | | | | Loans, net | $520,133 | $489,373 | | Investment securities available-for-sale | $369,317 | $388,345 | | **Total Assets** | **$1,008,731** | **$985,784** | | **Liabilities & Equity** | | | | Total Deposits | $833,754 | $823,648 | | Total Liabilities | $902,693 | $893,883 | | Total Stockholders' Equity | $106,038 | $91,901 | | **Total Liabilities & Stockholders' Equity** | **$1,008,731** | **$985,784** | [Consolidated Statements of Earnings](index=5&type=section&id=Consolidated%20Statements%20of%20Earnings) Net earnings decreased to $2.6 million in Q3 2019 and $7.4 million for the nine months, driven by higher non-interest expenses Earnings Summary (in thousands, except per share data) | Metric | Q3 2019 | Q3 2018 | Nine Months 2019 | Nine Months 2018 | | :--- | :--- | :--- | :--- | :--- | | Net Interest Income | $7,659 | $7,180 | $22,336 | $20,610 | | Provision for loan losses | $400 | $450 | $1,000 | $900 | | Non-interest income | $4,555 | $4,567 | $11,799 | $12,221 | | Non-interest expense | $8,618 | $7,712 | $24,311 | $22,718 | | **Net Earnings** | **$2,613** | **$3,020** | **$7,394** | **$7,964** | | **Diluted EPS** | **$0.60** | **$0.69** | **$1.69** | **$1.83** | [Consolidated Statements of Cash Flows](index=8&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) Cash and cash equivalents increased by $2.6 million, with financing activities providing $5.7 million, offsetting uses in operations and investing Net Cash Flow Summary (Nine months ended Sep 30, in thousands) | Activity | 2019 | 2018 | | :--- | :--- | :--- | | Net cash (used in) provided by operating activities | $(1,039) | $11,054 | | Net cash used in investing activities | $(2,054) | $(40,105) | | Net cash provided by financing activities | $5,715 | $28,753 | | **Net increase (decrease) in cash and cash equivalents** | **$2,622** | **$(298)** | [Notes to Consolidated Financial Statements](index=10&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) Notes detail accounting policies, investment and loan portfolio composition, regulatory capital status, and the delay of CECL implementation - The company adopted ASU 2016-02 (Leases) on January 1, 2019, which was not material to the consolidated financial statements[28](index=28&type=chunk) Loan Portfolio Composition (in thousands) | Loan Type | Sep 30, 2019 | Dec 31, 2018 | | :--- | :--- | :--- | | One-to-four family residential | $141,801 | $136,895 | | Commercial real estate | $135,950 | $138,967 | | Commercial | $101,150 | $74,289 | | Agriculture | $100,958 | $96,632 | | **Total gross loans** | **$526,439** | **$495,247** | - The company plans to delay the implementation of the new credit loss standard, CECL (ASU 2016-13), until January 1, 2023, as permitted for smaller reporting companies; initial estimates suggest it will increase the allowance for loan losses upon adoption[82](index=82&type=chunk) Company Regulatory Capital Ratios (Actual) | Ratio | Sep 30, 2019 | Dec 31, 2018 | | :--- | :--- | :--- | | Leverage | 10.63% | 10.34% | | Common Equity Tier 1 Capital | 12.92% | 13.12% | | Tier 1 Capital | 16.18% | 16.64% | | Total Risk Based Capital | 17.17% | 17.63% | [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=31&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses a 7.2% decrease in net earnings to $7.4 million due to higher costs, despite net interest income growth and strong asset quality [Summary of Results](index=32&type=section&id=Summary%20of%20Results) Net earnings decreased to $7.4 million, lowering ROAA and ROAE, though net interest margin improved to 3.43% Key Performance Ratios (Nine months ended Sep 30) | Ratio | 2019 | 2018 | | :--- | :--- | :--- | | Return on average assets (annualized) | 1.00% | 1.12% | | Return on average equity (annualized) | 10.02% | 12.39% | | Net interest margin (annualized) | 3.43% | 3.36% | [Net Interest Income](index=32&type=section&id=Net%20Interest%20Income) Net interest income increased by $1.7 million (8.4%) to $22.3 million, driven by loan growth and an expanded net interest margin - Interest income for the first nine months of 2019 increased by **$3.3 million (13.5%)** compared to the prior year, mainly due to a **$56.1 million** increase in average loan balances and higher loan yields (**5.35% vs 5.14%**)[96](index=96&type=chunk) - Interest expense for the first nine months of 2019 rose by **$1.6 million (42.1%)**, driven by a **$2.1 million** increase in deposit interest expense due to higher rates and balances, partially offset by lower borrowing costs[98](index=98&type=chunk) [Provision for Loan Losses](index=33&type=section&id=Provision%20for%20Loan%20Losses) The provision for loan losses increased slightly to $1.0 million, with net charge-offs also marginally higher Loan Loss Provision and Charge-offs (in thousands) | Metric | Nine Months 2019 | Nine Months 2018 | | :--- | :--- | :--- | | Provision for loan losses | $1,000 | $900 | | Net loan charge-offs | $486 | $470 | [Non-interest Income and Expense](index=33&type=section&id=Non-interest%20Income%20and%20Expense) Non-interest income decreased to $11.8 million due to a non-recurring 2018 recovery, while non-interest expense rose from higher compensation - The decrease in non-interest income was mainly due to a **$1.4 million** recovery on a deposit-related loss recorded in 2018, which was not repeated in 2019[107](index=107&type=chunk) - The increase in non-interest expense was primarily due to higher compensation and benefits (**$1.1 million**) from the addition of bank employees and increased compensation costs[109](index=109&type=chunk) [Financial Condition and Asset Quality](index=34&type=section&id=Financial%20Condition%20and%20Asset%20Quality) Total assets grew 2.3% to $1.0 billion, driven by a 6.3% increase in net loans, with minor changes in asset quality - Net loans increased by **$30.8 million (6.3%)** to **$520.1 million** at September 30, 2019, from year-end 2018[113](index=113&type=chunk) - The allowance for loan losses was **$6.3 million**, or **1.19%** of gross loans, at September 30, 2019, compared to **$5.8 million**, or **1.16%**, at December 31, 2018[114](index=114&type=chunk) - Non-accrual loans increased to **$5.9 million (1.13% of gross loans)** at September 30, 2019, from **$5.2 million (1.06% of gross loans)** at year-end 2018[116](index=116&type=chunk) [Liquidity and Capital](index=35&type=section&id=Liquidity%20and%20Capital) The company maintains strong liquidity with $391.1 million in liquid assets and robust capital levels, exceeding regulatory requirements - At September 30, 2019, the company had additional borrowing capacity of **$95.0 million** from the FHLB and **$17.9 million** from the Federal Reserve discount window[124](index=124&type=chunk) - The Bank's capital ratios as of September 30, 2019 were in excess of the requirements to be 'well capitalized' under regulatory guidelines[128](index=128&type=chunk) - A quarterly cash dividend of **$0.20 per share** was paid during the third quarter of 2019[129](index=129&type=chunk) [Quantitative and Qualitative Disclosures about Market Risk](index=39&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20about%20Market%20Risk) The company manages interest rate risk, with a 100 basis point rate decline projected to increase net interest income by 2.2% over one year Net Interest Income Sensitivity Analysis | Scenario | Dollar Change ($000's) | Percent Change | | :--- | :--- | :--- | | 200 bp rising | $(1,450) | (4.7)% | | 100 bp rising | $(720) | (2.3)% | | 100 bp falling | $683 | 2.2% | | 200 bp falling | $1,236 | 4.0% | [Controls and Procedures](index=40&type=section&id=Item%204.%20Controls%20and%20Procedures) Management concluded the company's disclosure controls and procedures were effective, with no material changes to internal control - Based on an evaluation as of September 30, 2019, the CEO and CFO concluded that the Company's disclosure controls and procedures were effective[144](index=144&type=chunk) - No material changes were made to the Company's internal control over financial reporting during the third quarter of 2019[145](index=145&type=chunk) [PART II – OTHER INFORMATION](index=42&type=section&id=PART%20II%20%E2%80%93%20OTHER%20INFORMATION) [Legal Proceedings](index=42&type=section&id=Item%201.%20Legal%20Proceedings) The company is not a party to any material pending legal proceedings beyond ordinary routine litigation - There are no material pending legal proceedings against the Company or its subsidiaries outside of ordinary routine litigation[147](index=147&type=chunk) [Risk Factors](index=42&type=section&id=Item%201A.%20Risk%20Factors) No material changes have occurred in the company's risk factors since the 2018 Annual Report on Form 10-K - No material changes have occurred in the Company's risk factors since the 2018 Annual Report on Form 10-K[148](index=148&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=42&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) The company reported no unregistered sales of equity securities during the period - None[149](index=149&type=chunk) [Exhibits](index=42&type=section&id=Item%206.%20Exhibits) This section lists the exhibits filed with the Form 10-Q, including certifications and interactive data files - Exhibits filed include CEO and CFO certifications (31.1, 31.2, 32.1, 32.2) and interactive data files (101)[154](index=154&type=chunk)

Landmark Bancorp, Inc. (NASDAQ:LARK) Q3 2019 Earnings Conference Call October 30, 2019 11:00 AM ET Company Participants Michael Scheopner - President and Chief Executive Officer Mark Herpich - Chief Financial Officer Conference Call Participants John Rodis - Janney Operator Good morning, and welcome to the Landmark Bancorp Q3 Earnings Conference Call. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Michael Scheopner. Please go ahead. Michael ...