Operator Good morning, and welcome to the Ameris Bank First Quarter Conference Call. [Operator Instructions] After today's presentation, there will be an opportunity to ask question. [Operator Instructions] I would now like to turn the conference over to Nicole Stokes, Chief Financial Officer. Please go ahead. Nicole S. Stokes -- Corporate Executive Vice President and Chief Financial Officer Great. Thank you, Andrea, and thank you to all who have joined our call today. During the call, we will be referencing the press release and the financial highlights that are available on the Investor Relations section of our website at amerisbank.com. I'm joined today by Palmer Proctor, our CEO; and Jon Edwards, our Chief Credit Officer. Palmer will begin with some opening general comments, and then I'm going to discuss the details of our financial results before we open it up for Q&A.