Tony Rossi | Investor Relations |
Jeff Ludwig | President and Chief Executive Officer |
Eric Lemke | Chief Financial Officer |
Michael Perito | KBW |
Terry McEvoy | Stephens |
Nathan Race | Piper Sandler |
Ladies and gentlemen, thank you for standing by and welcome to the Midland States Bancorp's Fourth Quarter Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers’ presentation, there will be a question-and-answer session. [Operator Instructions]. Please be advised that today's call is being recorded.