Michael Rechin | CEO |
Mark Hardwick | COO |
John Martin | Chief Credit Officer |
Scott Siefers | Sandler O’Neill |
Nathan Race | Piper Jaffray |
Damon DelMonte | KBW |
Erik Zwick | Stephens Inc. |
Brian Martin | FIG Partners |
Good day and welcome to the First Merchants Corporation Fourth Quarter 2017 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. [Operator Instructions] We will be using user-controlled slides for our webcast today. Slides may be viewed by following the URL instructions noted in the First Merchants news release dated Thursday, January 25, 2018 or by visiting the First Merchants Corporation shareholder relations website and clicking on the webcast URL hyperlink.