Equity Bancshares, Inc.

Ladies and gentlemen, thank you for standing by, and welcome to the second quarter 2020 Equity Bancshares, Inc.'s earnings conference call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question-and-answer session. To ask a question during this session, you will need to press star 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 one of your speakers today, Mr. Chris Navartil. Sir, please go ahead.

Good morning, and thank you for joining Equity Bankshare's conference call, which will include discussion and presentation of our second quarter 2020 results. Presentation slides to accompany our call are available via PDF to download at investor.equitybank.com by clicking the Presentations tab. You may also click the Events 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 one including important information regarding forward-looking statements. From time to time, we may 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 Bankshare's Chairman and CEO, Brad Elliott.

Good morning. Thank you for joining the Equity Bankshare's second quarter 2020 earnings call. I'm joined today by Greg Kossover, our Chief Operating Officer, Eric Newell, our Chief Financial Officer, Craig Mayo, our Chief Credit Officer, and our General Counsel, Brett Reber. The CFO transition from Greg to Eric has gone smoothly. Eric has adapted well to our platform and integrated effectively with our teams. While Greg has begun his duties in credit and operations, I'm excited for both of these gentlemen and all the teams at Equity Bank. Craig Anderson has continued to provide great leadership to the teams in our regions and each department of the bank, has worked hard and remained focused during one of the busiest periods in our history. Also, Julie Huber has led our successful PPP program and other important strategic initiatives. I want to take this opportunity to once again express my appreciation to the employees of Equity Bank for their dedication to our mission in what continues to be a crazy time. Please continue to be safe and keep your families safe. On the call today, Greg will walk us through our second quarter results, and Eric will discuss our balance sheet heading into the second half of the year. Craig Mayo will provide an in-depth look into our loan portfolio, and I will provide thoughts on how we are positioning the company for the future. As you may have read, We closed a $42 million subordinated debt offering in the second quarter. We have used the proceeds to fully pay down our bank stock note, which we utilized in the first quarter by putting $20 million of capital into the bank and also for stock repurchases. I view the sub-debt as opportunistic Tier 2 capital allowing us to grow the balance sheet either organically or acquisitively. It also provides some flexibility should we re-engage in purchasing our shares back in future quarters. Greg, please take us through the second quarter.