|Mike Scudder||Chairman, President, and CEO|
|Mark Sander||SEVP, COO|
|Pat Barrett||EVP and CFO|
|Brad Milsaps||Sandler O'Neill|
|Nathan Race||Piper Jaffray|
Good morning ladies and gentlemen, and welcome to the First Midwest Bancorp, 2018 Fourth Quarter and Full-Year Earnings Conference Call.
Following the close of the market yesterday, the company released its earnings results for the fourth quarter and full-year of 2018 and also issued presentation materials that we will refer to during the call today. These provide both historical financial information and the company’s outlook for 2019.
During the course of the discussion today, management’s comments and the presentation materials may include forward-looking statements. These statements are based upon the company’s current beliefs, are not historical facts and are not guarantees of future performance or outcomes.