Mike Houston | IR, Lambert, Edwards & Associates, Inc. |
Bob Kaminski | President and CEO |
Ray Reitsma | President, Mercantile Bank of Michigan |
Chuck Christmas | EVP, CFO & Treasurer |
Brendan Nosal | Sandler O'Neill & Partners |
Kevin Reevey | D.A. Davidson & Co. |
Damon DelMonte | KBW |
John Rodis | FIG Partners, LLC |
Good day and welcome to the Mercantile Bank Corporation third-quarter 2018 conference call and webcast. [Operator Instructions]. Please note this event is being recorded. I would now like to turn the conference over to Mr. Mike Houston, investor relations, Lambert, Edwards & Associates.