Good afternoon, and welcome to our Q4 conference call. With me for today's discussion is our Chairman, John Allison Stephen Tipton, Chief Executive Officer of Centennial Bank Kevin Hester ...

10:10 — Lucas Glover, Kelly Sudduth, Stephen Tipton, Evan Doherty and Drew Keith. 10:20 — Chad Campbell, Brent Rutherford, Brent McFarlin, Tony Linker and Ross Hoefler. 10:30 — Steve Flesch ...