Larry Clark | Senior Vice President of Financial Profiles, Inc. |
David Becker | Chairman, President and Chief Executive Officer |
Kenneth Lovik | Executive Vice President and Chief Financial Officer |
Brett Rabatin | Hovde Group, LLC |
Nathan Race | Piper Sandler & Co. |
George Sutton | Craig-Hallum Capital Group LLC |
Michael Schiavone | Keefe, Bruyette, & Woods, Inc. |
Good day, everyone, and welcome to the First Internet Bancorp Earnings Conference Call for the Fourth Quarter and Full-Year 2020. All participants will be in a listen-only mode. [Operator Instructions] Please note, this event is being recorded. I'd now like to turn the conference over to Larry Clark from Financial Profiles, Inc. Please go ahead, Mr.