Evans Bank(EVBN) - 2018 Q4 - Earnings Call Transcript

Evans Bancorp, Inc. (NYSE:EVBN) Q4 2018 Earnings Conference Call January 31, 2019 4:45 AM ET Company Participants Deborah Pawlowski - Investor Relations David Nasca - President and Chief Executive Officer John Connerton - Chief Financial Officer Conference Call Participants Alex Twerdahl - Sandler O’Neill Joe Fenech - Hovde Group Operator Greetings and welcome to Evans Bancorp Fourth Quarter and Full Year 2018 Financial Results. At this time all participants are in a listen-only mode. Question-and-answer se ...