Brad Kessel | President and CEO |
Gavin Mohr | EVP & CFO |
Jim Mack | EVP and Head, Commercial Banking |
Rob Schuster | Senior Financial Advisor. |
Brendan Nosal | Piper Sandler |
Damon DelMonte | KBW |
Ryan Griffin | D.A. Davidson |
Kevin Swanson | The Hovde Group |
Joe Plevelich | Boenning & Scattergood |
Good morning. And welcome to Independent Bank Corporation Q3 2020 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions]. After today’s presentation, there will be an opportunity to ask questions.