Paul Langdale | Senior Vice President & Director of Corporate Development |
David Brooks | Chairman, Chief Executive Officer & President |
Dan Brooks | Vice Chairman & Chief Risk Officer |
Michelle Hickox | Executive Vice President & Chief Financial Officer |
Brad Milsaps | Piper Sandler |
Michael Young | SunTrust Robinson Humphrey |
Brady Gailey | KBW |
Michael Rose | Raymond James |
Matt Olney | Stephens |
Rahul Patil | Evercore ISI |
Greetings. Welcome to Independent Bank Group Fourth Quarter 2019 Earnings Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] Please note, this conference is being recorded.