Palmer Proctor | CEO |
Nicole Stokes | EVP and CFO |
Jon Edwards | EVP and Chief Credit Officer |
Brady Gailey | Keefe, Bruyette & Woods |
Jennifer Demba | Truist Securities |
Casey Whitman | Piper Sandler |
David Feaster | Raymond James |
Christopher Marinac | Janney Montgomery Scott |
Kevin Fitzsimmons | D.A. Davidson |
Brody Preston | Stephens Inc. |
Hello, everyone, and welcome to today's Ameris Bank Fourth Quarter Earnings Conference Call. My name is Emma, and I will be coordinating your call today. [Operator Instructions]. I will now pass over to your host to begin, Nicole Stokes, Chief Financial Officer. Please go ahead.