Tony Rossi | IR |
Jeff Ludwig | CEO |
Steve Erickson | CFO |
Michael Perito | KBW |
Andrew Liesch | Sandler O'Neill |
Terry McEvoy | Stephens |
Good day, ladies and gentlemen, and welcome to the Fourth Quarter 2018 Midland States Bancorp, Inc. Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will follow at that time. [Operator Instructions].