William Kessel | President, CEO & Director |
Gavin Mohr | CFO, EVP, Treasurer & Secretary |
Joel Rahn | EVP & Chief Lending Officer |
Brendan Nosal | Piper Sandler & Co. |
John Rodis | Janney Montgomery Scott |
Joseph Plevelich | Boenning and Scattergood |
Ryan Griffin | D.A. Davidson |
Good day, and welcome to the Independent Bank Corporation Fourth Quarter 2020 Earnings Conference Call. [Operator Instructions]. I would now like to turn the conference over to Brad Kessel, President and CEO. Please go ahead.
Good morning, and welcome to today's call.