Tony Rossi | IR, Financial Profiles, Inc. |
Jeffrey Ludwig | President & CEO |
Eric Lemke | CFO |
Jeff Rulis | D.A. Davidson & Co. |
Damon DelMonte | Keefe, Bruyette & Woods North America |
Nathan Race | Piper Sandler |
Good day, and thank you for standing by. Welcome to the Q4 2022 Midland States Bancorp Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers’ presentation, there'll be a question-and-answer session. [Operator Instructions]