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Operator Ladies and gentlemen, thank you for standing by, and welcome to the Simmons First National Corporation Fourth Quarter Earnings Call and Webcast. [Operator Instructions] I would now like to hand over the conference call to Mr. Steve Massanelli. You may begin. Stephen C. Massanelli Executive Vice President, Chief Administrative Officer and Investor Relations Officer Good morning, and thank you for joining our fourth quarter earnings call. My name is Steve Massanelli, and I serve as Chief Administrative Officer and Investor Relations Officer of Simmons First National Corporation. Joining me today are George Makris, Chairman and Chief Executive Officer; Bob Fehlman, Chief Financial Officer and Chief Operating Officer; David Garner, Executive Director of Finance and Accounting and Chief Accounting Officer; and Matt Reddin, Chief Banking Officer. ....