Seacoast Banking Corporation of Florida

Welcome to the Seacoast Fourth Quarter Earnings Conference Call. My name is Richard, and I'll be your operator for today's call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session. During the question-and-answer session, if you have a question, please press star, then 1 on your touch-tone phone. Before we begin, I've been asked to direct your attention to the statement contained at the end of the press release regarding forward-looking statements. Seacoast will be discussing issues that constitute forward-looking statements within the meaning of the Securities and Exchange Act, and their comments today are intended to be covered within the meaning of that act. Please note that this conference is being recorded. I will now turn the call over to Mr. Chuck Schaefer, President and CEO of Seacoast Bank. Mr. Schaefer, you may begin.

Thank you all for joining us this morning. As we provide our comments, we'll reference the fourth quarter 2020 earnings slide deck, which can be found at seacoastbanking.com. With me this morning is Denny Hudson, Executive Chairman, Tracy Dexter, Chief Financial Officer, Jeff Lee, Chief Digital Officer, David Hadeshell, Director of Credit Analytics and Policy, and Richard Grafer, our Chief Credit Officer. Before we get started, I'd like to congratulate Denny on his new role as Executive Chairman. I know I speak for all of our associates, our board of directors, and our community in expressing our sincere best wishes to you as you enter this next phase of your professional career. For the last 28 years, you have led and created an incredible, innovative institution that has delivered tremendous value for both shareholders and customers. You, your father, uncle, and grandfather before you have steered an institution that has helped shape the fabric of our communities that we serve and has had tremendous positive impact on our customers, our associates, and their families. I want to wish you my sincere congratulations and to thank you for all your guidance, mentorship, and friendship over the years. You have helped shape my career and many of our teammates' professional lives, and your leadership has been incredibly impact on us all. Thank you for all you've done, and I know I speak for both of us that we are excited and believe the road ahead is filled with opportunity. Congrats again, Denny, and I'll turn the call over to you.

Thanks, Chuck. You know, for over 42 years, I've served our customers, shareholders, and associates as a Seacoast team member, and as you said, including 28 of those years as CEO. It has indeed been a great honor to be able to contribute along many others who along the way gave so much of themselves to build what we've become. Perhaps my most gratifying accomplishments have been the leaders that have been forged in the culture that defines us as a company. I couldn't be more pleased to have you now step into the CEO role. You will bring into that role the energy and will to win that you've consistently demonstrated in other roles you've held as well as an extraordinary focus on creating value for shareholders.