Jeff Ludwig | President and CEO |
Eric Lemke | CFO |
Tony Rossi | Financial Profiles, IR |
Terry McEvoy | Stephens, Inc. |
Damon DelMonte | KBW |
Nathan Race | Piper Sandler |
Manuel Navas | D.A. Davidson |
Good day, and thank you for standing by. Welcome to the Q4 2021 Midland States Bancorp Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers’ presentation, there’ll be a question-and-answer session. [Operator Instructions].