Michael Rechin | President and CEO |
Mark Hardwick | CFO and COO |
John Martin | Chief Credit Officer |
Scott Siefers | Sandler O'Neill |
Terry McEvoy | Stephens |
Damon DelMonte | KBW |
Daniel Tamayo | Raymond James |
Good day, and welcome to the First Merchants Corporation Fourth Quarter 2019 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. Please note that this event is being recorded.
This release contains forward-looking statements made pursuant to the safe-harbor provisions of the Private Securities Litigation Reform Act.