Lynn Fuller | Executive Operating Chairman |
Bruce Lee | President and CEO |
Bryan McKeag | EVP and CFO |
Nathan Jones | EVP and Chief Credit Officer |
Jeff Rulis | D.A. Davidson |
Andrew Liesch | Piper Sandler |
Terry McEvoy | Stephens |
Damon DelMonte | Keefe Bruyette & Woods Inc. |
Greetings, and welcome to the Heartland Financial USA, Inc. Fourth Quarter 2020 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 Web site at htlf.com. With us today from management are Lynn Fuller, Executive Operating Chairman; Bruce Lee, President and CEO; and Bryan McKeag, Executive Vice President and Chief Financial Officer.