Equity Bancshares, Inc.

Ladies and gentlemen, thank you for standing by, and welcome to the first quarter 2020 Equity Bank Shares Earnings Conference Call. At this time, all participants' lines are in the listen-only mode. After the speaker's presentation, there will be a question-and-answer session. To ask a question during the session, you will need to press star, then 1 on your telephone. Please be advised that today's conference is being recorded. If you require any further assistance, please press star, then 0. I would now like to hand the conference over to your speaker today, Mr. Chris Navratil, Senior Vice President. Sir, you may begin.

Good morning, and thank you for joining Equity Bank Shares conference call, which will include discussion and presentation of our first quarter 2020 results. Presentation slides to accompany our call are available via PDF for download at investor.equitybank.com by clicking the presentation tab. You may also click the event icon for today's call posted at investor.equitybank.com to view the webcast player. If you are viewing this call on our webcast player, please note that slides will not automatically advance. Please note slide two including important information regarding forward-looking statements. From time to time, we make forward-looking statements within today's call, and actual results may vary. Following the presentation, we will allow time for questions and further discussion. Thank you all for joining us. With that, I'd like to turn it over to Equity Bank Shares Chairman and CEO, Brad Elliott.

Good morning. Thank you for joining the Equity Bank Shares first quarter 2020 earnings call. I am joined today by Greg Kossover, our Chief Financial Officer, Craig Mayo, our Chief Credit Officer, Craig Anderson, our Chief Operating Officer, and our General Counsel, Brett Reber. As each of our employees, our families, our customers, and our companies navigate this challenging environment, let me first say thank you to all the Equity Bank Associates and their families for continuing to work hard and expending the effort it takes to be successful in this COVID world. Each of our stakeholders should know that the Equity Bank team and their employees have gone far beyond the call of duty to protect and run the bank. Every department and every location has made me proud to be the CEO of this bank. Please continue to be safe and keep your families safe. You will notice we have changed our slide deck this quarter to assist in the flow of information for today's call. We will talk about the following topics before we get to the Q&A. Greg will take us through what our first quarter would have looked like without the impact of COVID-19 and then discuss our desire to increase our reserves for the uncertain future. Second, I'll provide an overview of Equity Bank's Paycheck Protection Program results thus far. Third, Craig Anderson, who leads our retail and commercial sales groups, will speak to what we have done operationally with our retail and production teams and how we see the near term in these areas. Fourth, Craig Mayo will provide an in-depth credit look of our loan and special asset portfolios. Then, Greg will discuss the impacts of the Near Zero Rate Environment, and our balance sheet NIM, Liquidity, and Capital. Finally, I will close with thoughts on how we are positioning the company for the upcoming quarters.