Jeffrey Ludwig | President and Chief Executive Officer |
Eric Lemke | Chief Financial Officer |
Tony Rossi | Financial Profiles, Inc. |
Michael Perito | Keefe, Bruyette & Woods Inc. |
Terry McEvoy | Stephens Inc. |
Andrew Liesch | Piper Sandler & Co. |
David Konrad | D.A. Davidson |
Ladies and gentlemen, thank you for standing by and welcome to the First Quarter 2020 Midland States Bancorp Earnings Conference Call. At this time, all participant lines are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today's conference may be recorded. [Operator Instructions]