Lynn Fuller | Executive Operating Chairman |
Bruce Lee | President and CEO |
Bryan McKeag | Executive Vice President and CFO |
Drew Townsend | Executive Vice President and CCO |
Andrew Liesch | Piper Sandler |
Jeff Rulis | D.A. Davidson |
Terry McEvoy | Stephens |
Damon DelMonte | KBW |
Greetings. And welcome to the Heartland Financial USA, Inc. Fourth Quarter 2019 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 at Heartland’s website at htlf.com.