Operator I'd like to welcome everyone to Southern Missouri Bancorp Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question-and- answer session. If you would like to ask a question during this time, simply press star, then the number one on your telephone keypad. To withdraw your question, press star one again. I would now like to turn the conference over to Stefan Chkautovich, Chief Financial Officer. You may begin. ...