James Tippit | Executive Vice President Corporate Responsibility |
David Brooks | Chairman, President and Chief Executive Officer |
Michelle Hickox | Executive Vice President and Chief Financial Officer |
Daniel Brooks | Vice Chairman and Chief Risk Officer |
Rahul Patil | Evercore ISI |
Michael Young | SunTrust Robinson Humphrey |
Brad Milsaps | Sandler O'Neill |
Brett Rabatin | Piper Jaffray |
Brady Gailey | KBW |
Michael Rose | Raymond James |
Matt Olney | Stephens Inc. |
Good day, ladies and gentlemen, and welcome to the Independent Bank Fourth Quarter 2018 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] I would now like to turn the conference over to Mr. James Tippit.