Mark Hardwick | Chief Executive Officer |
Mike Stewart | President |
Michele Kawiecki | Chief Financial Officer |
John Martin | Chief Credit Officer |
Scott Siefers | Piper Sandler |
Terry McEvoy | Stephens |
Daniel Tamayo | Raymond James |
Damon DelMonte | KBW |
Brian Martin | Janney |
00:05 Good day and welcome to the First Merchants Corporation Fourth Quarter 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 follow at that time. [Operator Instructions] As a reminder, this conference call is being recorded. 00:31 And before we begin, management would like to remind you that today's call contains forward-looking statements with respect to the future performance and financial condition of First Merchants Corporation that involve risks and uncertainties.