Operator Ladies and gentlemen, thank you for standing by, and welcome to the Simmons First National Corporation Fourth Quarter Earnings Call and Webcast. [Operator Instructions] I would now like to hand over the conference call to Mr. Steve Massanelli. You may begin. Stephen C. Massanelli -- Executive Vice President, Chief Administrative Officer and Investor Relations Officer Good morning, and thank you for joining our fourth quarter earnings call. My name is Steve Massanelli, and I serve as Chief Administrative Officer and Investor Relations Officer of Simmons First National Corporation. Joining me today are George Makris, Chairman and Chief Executive Officer; Bob Fehlman, Chief Financial Officer and Chief Operating Officer; David Garner, Executive Director of Finance and Accounting and Chief Accounting Officer; and Matt Reddin, Chief Banking Officer.