Kate Croft | Lambert, IR |
Robert Kaminski | President & CEO |
Ray Reitsma | EVP, Chief Operating Officer & President of the Bank |
Charles Christmas | EVP & CFO |
Brendan Nosal | Piper Sandler & Co |
Damon DelMonte | Keefe, Bruyette & Woods |
Daniel Tamayo | Raymond James |
00:03 Good morning and welcome to the Mercantile Bank Corporation Fourth Quarter 2021 Earning Results Conference call. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded. 00:37 I would now like to turn the conference over to Kate Croft, Lambert Investor Relations.