Operator Good day, and welcome to the EFSC Earnings Conference Call. Today's conference is being recorded. At this time, I would like to turn the conference over to Jim Lally. Please go ahead, sir. James B. Lally -- President & Chief Executive Officer Todd, thank you, and good morning. I welcome everyone to our call, and I appreciate all of you taking time to listen in. Joining me this morning is Keene Turner, our company's Chief Financial Officer and Chief Operating Officer; Scott Goodman, President of Enterprise Bank & Trust; and Doug Bauche, Chief Credit Officer. Yesterday, we issued a pr...