Charles Funk | President, CEO & Director |
Barry Ray | CFO, Principal Accounting Officer & SVP |
Gary Sims | Chief Credit Officer |
James Cantrell | CIO, VP & Treasurer |
Jeffrey Rulis | D.A. Davidson & Co. |
Andrew Liesch | Sandler O'Neill |
Damon DelMonte | KBW |
Brian Martin | Janney Montgomery Scott |
Good day and welcome to the MidWestOne Financial Group, Inc. Fourth Quarter 2019 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] This presentation contains forward-looking statements relating to the financial condition, results of operations and business of MidWestOne Financial Group, Inc.
Forward-looking statements generally include words such as believes, expects, anticipates, and other similar expressions.