Shelly Doran | Director of Investor Relations |
Marty Birmingham | President and CEO |
Kevin Klotzbach | EVP, CFO and Treasurer |
Mike Grover | Chief Accounting Officer |
Bill Kreienberg | Chief Banking and Revenue Officer |
Justin Bigham | Deputy CFO |
Alex Twerdahl | Sandler O'Neill |
Joe Fenech | Hovde Group |
Damon DelMonte | KBW |
Matthew Breese | Piper Jaffray |
Good morning, and welcome to the Financial Institutions Fourth Quarter 2018 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Shelly Doran, Director of Investor and External Relations. Miss, Doran please go ahead.