Christopher Oddleifson | President and CEO |
Mark Ruggiero | CFO |
Gerard Nadeau | President of Rockland Trust and Chief Commercial Banking Officer |
Robert Cozzone | COO |
Mark Fitzgibbon | Piper Sandler |
Christopher Keith | D.A. Davidson |
Laurie Hunsicker | Compass Point |
Dave Bishop | Seaport Global |
Chris O'Connell | KBW |
Good morning and welcome to the Fourth Quarter 2020 Earnings Call. All participants will be in a listen-only mode. [Operator Instructions] Before proceeding, let me mention that this call may contain forward-looking statements with respect to the financial condition, results of operations and business of Independent Bank Corporation. Actual results may be different. Factors that may cause actual results to differ include those identified in our Annual Report on Form 10-K and our earnings press release.