Julia Ward | IR, Lambert |
Bob Kaminski | President & CEO |
Ray Reitsma | COO & President of the Bank |
Chuck Christmas | EVP & CFO |
Brendan Nosal | Piper Sandler |
Daniel Tamayo | Raymond James |
Erik Zwick | Hovde Group |
Damon DelMonte | KBW |
Good morning, and welcome to the Mercantile Bank Corporation Fourth Quarter 2022 Earnings Results Conference Call. All participants will be in a listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note that this event is being recorded.
I would now like to turn the conference over to Julia Ward, Lambert Investor Relations.