Nicole Stokes | Executive Vice President, Chief Financial Officer |
Dennis Zember | President, Chief Executive Officer |
Jon Edwards | Executive Vice President, Chief Credit Officer |
Woody Lay | KBW |
Tyler Stafford | Stephens Inc. |
Casey Whitman | Sandler O'Neill |
Jennifer Demba | SunTrust Robinson Humphrey |
Christopher Marinac | FIG Partners |
Good morning and welcome to the Ameris Bancorp third quarter 2018 financial results conference call. All participants will be in listen-only mode. [Operator Instructions]. After today's presentation, there will be an opportunity to ask questions. [Operator Instructions].