Brad Kessel | President & Chief Executive Officer |
Rob Shuster | Executive Vice President & Chief Financial Officer. |
Brendan Nosal | Sandler O'Neill & Partners |
Kevin Reevey | D.A. Davidson. |
Damon DelMonte | KBW |
John Rodis | FIG Partners |
Good morning and welcome to the Independent Bank Corporation Fourth Quarter 2018 Earnings Conference Call. All participants are in a listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Brad Kessel, President and CEO.