Mark Hardwick | Chief Executive Officer |
Mike Stewart | President |
John Martin | Chief Credit Officer |
Michele Kawiecki | Chief Financial Officer |
Scott Siefers | Piper |
Daniel Tamayo | Raymond James |
Terry McEvoy | Stephens |
Damon DelMonte | KBW |
Brian Martin | Janney |
Good day and thank you for standing by. Welcome to the First Merchants Corporation Fourth Quarter Earnings Conference Call. At this time all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that this conference call is being recorded.