Robert Hoehn | Director of Corporate Finance |
Chris Holmes | President & Chief Executive Officer |
Greg Bowers | Chief Credit Officer |
Michael Mettee | Interim Chief Financial Officer |
Catherine Mealor | KBW |
Stephen Scouten | Piper Sandler |
Matt Olney | Stephens |
Alex Lau | J.P. Morgan |
Brock Vandervliet | UBS |
Ammar Samma | Raymond James |
Jennifer Demba | Truist Securities |
Good morning and welcome to FB Financial Corporation's Fourth Quarter 2020 Earnings Conference Call. Hosting the call today from FB Financial is Chris Holmes, President and Chief Executive Officer. He is joined by Michael Mettee, Chief Financial Officer; Greg Bowers, Chief Credit 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 on the Securities and Exchange Commission's website at www.sec.gov. Today's call is being recorded and will be available for replay on FB Financial's website approximately one hour after the conclusion of the call.