Nicole Stokes | CFO, EVP of the Company and Ameris Bank |
Ed Hortman | Executive Chairman, President and CEO |
Dennis Zember | EVP and COO |
Brady Gailey | KBW |
Jennifer Demba | SunTrust |
Will Curtiss | Piper Jaffray |
Christopher Marinac | FIG Partners |
Tyler Stafford | Stephens |
Hello, everyone, and welcome to the Ameris Bancorp's Fourth Quarter 2017 Financial Results Conference Call. All participants will be in a listen-only mode. [Operator Instructions] After today's presentation there will be an opportunity to ask questions. [Operator Instructions] Please note that this event is being recorded. I would now like to turn the conference over to Nicole Stokes.