Equity Bancshares, Inc.

Good day, and thank you for standing by. Welcome to the Equity Bank Shares second quarter 2021 earnings conference call. At this time, all participants are in a listening 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 one on your telephone. Please be advised that today's conference is being recorded. If you require any further assistance, please press star zero. I would now like to hand the conference over to your speaker today, Chris Navratil. Please go ahead.

Good morning, and thank you for joining Equity Bank Shares conference call, which will include discussion and presentation of our second quarter 2021 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 reference slide one, 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 our chairman and CEO, Brad Elliott.

Thank you, Chris, and good morning. Thank you for joining our call and your interest in equity bank shares. Joining me is Eric Newell, our CFO. Greg Kossover, our chief operating officer, and our president, Craig Anderson. The equity team's hard work continues to add shareholder value, and it shows in our results. We reported $15.2 million of net income this quarter, the highest we have experienced as a company. While Eric will provide more details, I am particularly pleased with the growth we are seeing in fee income. It is awesome to see the positive operating results from the years of hard work executing on our fee income strategies. We've only begun to see the seeds sprouting. I remain confident we will continue to watch these strategies grow as we make progress towards our goal of 30% total revenue tied to fee income business versus traditional spread business with improved efficiency ratios. Eric, let's take everyone through our quarter.