|Chris Holmes||President & Chief Executive Officer|
|James Gordon||Chief Financial Officer|
|Wib Evans||President of FB Ventures|
|Peter Ruiz||Sandler O'Neill|
|Tyler Stafford||Stephens, Inc.|
|Christopher Marinac||FIG Partners|
|Daniel Cardenas||Raymond James|
Good morning, and welcome to FB Financial Corporation's Fourth Quarter 2018 Earnings Conference Call. Hosting the call today from FB Financial is Chris Holmes, President and Chief Executive Officer. He is joined by James Gordon, Chief Financial Officer and Wib Evans, President of FB Ventures who will be available during the question-and-answer session. Please note FB Financial’s earnings release, supplemental financial information and this morning’s presentation are available on the Investor Relations page of the company’s website at www.firstbankonline.com and under SEC's website at www.sec.gov. Today’s call is being recorded and will be available for replay on FB Financial’s website approximately an hour after the conclusion of the call.