Doug Hultquist | President & Chief Executive Officer |
Todd Gipple | Executive Vice President, Chief Operative Officer & Chief Financial Officer |
Nathan Race | Piper Jaffray |
Terry McEvoy | Stephens |
Damon DelMonte | KBW |
Brian Martin | FIG Partners |
Good morning, and welcome to the QCR Holdings Incorporated Fourth Quarter and Year End 2018 Conference Call. Yesterday, after market close, QCR distributed its fourth quarter press release, and we hope that you've had the opportunity to review the results. If there is anyone on the call who has not yet received a copy, you may access it on the company's website, www.qcrh.com. With us today from management are Doug Hultquist, President and CEO; and Todd Gipple, Executive Vice President, COO and CFO. Management will provide a brief summary of the quarterly results, and then we will open the call up to your questions.