Nicole Stokes | Chief Financial Officer |
Dennis Zember | President, Chief Executive Officer |
Jon Edwards | Chief Credit Officer |
Tyler Stafford | Stephens Inc. |
Brady Gailey | KBW |
Jennifer Demba | SunTrust |
Casey Whitman | Sandler O'Neill |
Good morning and welcome to the Ameris Bancorp Fourth Quarter 2018 Financial Results Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note, today's event is being recorded. I would now like to turn the conference over to Nicole Stokes, Chief Financial Officer.