Brad Kessel | President and CEO |
Rob Shuster | EVP and CFO |
Steve Erickson | EVP and Treasurer |
Brendan Nosal | Piper Sandler |
Russell Gunther | D.A. Davidson |
Kevin Swanson | Hovde Group |
Scott Beury | Boenning & Scattergoods |
Good day and welcome to the Independent Bank Corporation's Fourth Quarter 2019 Earnings Conference Call and Webcast. All participants will be in listen-only mode. [Operator Instructions] Please note this event is being recorded.
I would now like to turn the conference over to Mr. Brad Kessel, President and CEO.