Shelly Doran | Director, IR |
Marty Birmingham | President and CEO |
Kevin Klotzbach | EVP, CFO, and Treasurer |
Joe Fenech | Hovde Group LLC |
Alex Twerdahl | Sandler O'Neill & Partners |
Damon DelMonte | KBW |
Matthew Breese | Piper Jaffray & Co. |
Good morning and welcome to the Financial Institutions, Inc. Fourth Quarter 2017 Earnings Call. [Operator Instructions]. Please note, this event is being recorded. I would now like to turn the conference over to Shelly Doran, Director of Investor Relations.