Larry Helling | Chief Executive Officer |
Todd Gipple | President, Chief Operating Officer & Chief Financial Officer |
Nathan Race | Piper Sandler |
Damon DelMonte | KBW |
Jeff Rulis | D.A. Davidson |
Terry McEvoy | Stephens |
Brian Martin | Janney Montgomery |
Greetings and welcome to the QCR Holdings Inc. Fourth Quarter and Year End 2019 Conference Call. Yesterday, after market close, the company distributed its fourth quarter and year end press release. And we hope that you have had the opportunity to review the results. If there is anyone on the call who has not received a copy, you may access it on the company’s website, www.qcrh.com.