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Operator
Good morning and welcome to FB Financial Corporation s Fourth Quarter 2020 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 earnings 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 one hour after the conclusion of the call. ....

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