Brad Kessel | President and CEO |
Gavin Mohr | EVP and CFO |
Joel Rahn | EVP, Commercial Banking |
Brendan Nosal | Piper Sandler |
Damon DelMonte | KBW |
Russell Gunther | D.A. Davidson |
Daniel Cardenas | Boenning & Scattergood |
Good morning, and welcome to the Independent Bank Corporation Reports 2021 Fourth Quarter and Full Year Result Conference Call. All participants will be in a listen-only mode. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Brad Kessel, President and CEO. Please go ahead.