Jay Staley - Director, Investor Relations and Corporate Development George Gleason - Chairman and Chief Executive Officer Brannon Hamblen - President Tim Hicks - Chief Financial Officer Cindy Wolfe - Chief Operating Officer Operator Good morning. I am Jay Staley, Director of Investor Relations and Corporate Development for Bank OZK. Thank you for joining our call this morning and participating in our question-and-answer session. Question-and-Answer Session Company Participants Stephen Scouten - Piper Sandle ...