Suni Davis | Senior Vice President and Chief Risk Officer |
Lee Gibson | President and Chief Executive Officer |
Julie Shamburger | Senior Executive Vice President and Chief Financial Officer |
Michael Belmes | Keefe, Bruyette & Woods, Inc |
Brad Milsaps | Sandler O'Neill & Partners LP |
Brett Rabatin | Piper Jaffray |
Michael Young | SunTrust Robinson Humphrey |
Brian Zabora | Hovde Group LLC |
Good day, ladies and gentlemen, and welcome to the Southside Bancshares, Inc., Fourth Quarter and Year-End 2017 Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will be given at that time. [Operator Instructions] As a reminder, this conference call is being recorded. I would now like to turn the conference over to your host, Suni Davis, Senior Vice President and Chief Risk Officer.