Shelly Doran | Director, Investor and External Relations, EVP and General Counsel |
Marty Birmingham | President and CEO |
Justin Bigham | CFO |
Bill Kreienberg | Chief Banking and Revenue Officer |
Mike Grover | Director, Financial Planning and Analysis |
Alex Twerdahl | Piper Sandler |
Damon DelMonte | KBW |
Joe Fenech | Hovde Group |
Good day, and welcome to the Financial Institutions, Inc. Fourth Quarter 2019 Earnings Conference Call and Webcast. All participants will be in listen-only mode. [Operator Instructions] Please note, this event is being recorded.
I would now like to turn the conference over to Ms.