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Operator Good morning and welcome to FB Financial Corporation s First Quarter 2021 Earnings Conference Call. Hosting the call today from FB Financial is Chris Holmes, President and Chief Executive Officer. He is joined by Michael Mettee, Chief Financial Officer; Greg Bowers, Chief Credit Officer; and Wib Evans, President of FB Ventures, who will be available during the question-and-answer session. Please note FB Financial s earning release, supplemental financial information, and this morning s presentation are available on the Investor Relations page of the company s website at www.firstbankonline.com and on the Securities and Exchange Commission s website at www.sec.gov. Today s call is being recorded and will be available for replay on FB Financial s website approximately an hour after the conclusion of the call. At this time, all participants have been placed on a listen-only mode. The call will be open for questions after the presentation. ....