Lynn Fuller | Executive Operating Chairman |
Bruce Lee | President and CEO |
Bryan McKeag | Executive Vice President and CFO |
Drew Townsend | Executive Vice President and CCO |
Jeff Rulis | D.A. Davidson |
Nathan Race | Piper Jaffray |
Terry McEvoy | Stephens |
Andrew Liesch | Sandler |
Damon DelMonte | KBW |
Greetings. And welcome to the Heartland Financial USA, Inc. Fourth Quarter 2018 Year End Conference Call. This afternoon Heartland distributed its fourth quarter press release and hopefully you have had a chance to review the results. If there is anyone on this call who did not receive a copy, you may access it on Heartland’s website at htlf.com.