|Gary Sims||Chief Credit Officer|
|Jim Cantrell||Treasurer and CIO|
|Brendan Nosal||Piper Sandler|
|Jeff Rulis||D.A. Davidson|
|Brian Martin||Janney Montgomery|
Good day, and welcome to the MidWestOne Financial Group, Inc.
Third Quarter 2021 Earnings Call. [Operator Instructions] The presentation contains forward-looking statements relating to the financial condition results of operations and business of MidWestOne Financial Group, Inc.
Forward-looking statements generally include words such as believes, expects, anticipates and other similar expressions. Actual results could differ materially from those indicated among the important factors that could cause actual results to differ materially, or interest rates, changes in the mix of the company’s business, competitive pressures, generic -- excuse me, general economic conditions and the risk factors detailed in the company’s periodic reports and registration statements filed with the Securities and Exchange Commission.