Now I'd like to turn the call over to Ms. Kay Gregory, Investor Relations. Mariner Kemper, President and Chief Executive Officer; and Ram Shankar, Chief Financial Officer, will share a few comments about our results. Jim Rine, Chief Executive Officer of UMB Bank; and Tom Terry, Chief Credit Officer, will also be available for the question-and-answer session.
Our goal is to create a safe and engaging place for users to connect over interests and passions. In order to improve our community experience, we are temporarily suspending article commenting