Michael Rechin | President and CEO |
Mark Hardwick | CFO and COO |
John Martin | Chief Credit Officer |
Scott Siefers | Sandler O'Neill |
Terry McEvoy | Stephens |
Nathan Race | Piper Jaffray |
Kevin Reevey | D.A. Davidson |
Damon DelMonte | KBW |
Brian Martin | Janney Montgomery |
Good day, and welcome to the First Merchants Corporation Third Quarter Earnings 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 Michael Rechin, President and CEO.