Mark Hardwick | Chief Executive Officer |
Mike Stewart | President |
John Martin | Chief Credit Officer |
Michele Kawiecki | Chief Financial Officer |
Scott Siefers | Piper Sandler |
Daniel Tamayo | Raymond James |
Terry McEvoy | Stephens |
Damon DelMonte | KBW |
Brian Martin | Janney Montgomery |
Good afternoon, and welcome to the First Merchants’ Fourth Quarter 2020 Earnings Call. All participants will be in a listen-only mode. [Operator Instructions] This presentation contains forward-looking statements made pursuant to the Safe Harbor provisions of the Private Securities Litigation Reform Act. Such forward-looking statements can often be identified by the use of words like believes, continue, happen, estimate, project, intend, anticipate, expect and similar expressions or future or conditional verbs such as will, would, should, could, might, can, may or similar expressions. These forward-looking statements include but are not limited to statements relating to First Merchants’ goals, intentions and expectations, statements regarding the First Merchants business plan and growth strategies, statements regarding the asset quality of First Merchants’ loan and investment portfolios and estimates of First Merchants’ risks and future costs and benefits.