Renasant Corporation

Good day and welcome to the Rent-A-Thon Corp 2020 Fourth Quarter Earnings Conference Call and Webcast. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation or an opportunity to ask questions, to ask a question, you may press star then one on your touch-tone phone. To withdraw your question, please press star then two. Note, this event is being recorded. I'd now like to turn the conference over to Ms. Kelly Hudson, Chief Accounting Officer. Please go ahead.

Good morning, and thank you for joining us for Renasant Corporation's 2020 Fourth Quarter Webcast and Conference Call. Participating in this call today are members of Renasant's Executive Management Team. Before we begin, please note that many of our comments during this call will be forward-looking statements which involve risk and uncertainty. There are many factors that could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements. Obviously, the continuing impact of the COVID-19 pandemic, the pace of the distribution and administration of the COVID vaccine, the federal, state, and local measures taken to arrest the virus, as well as all of the follow-on effects from this pandemic are the most significant factors likely to impact our future financial condition and operating results. Other factors include but are not limited to interest rate fluctuation, regulatory changes, portfolio performance, and other factors discussed in our recent filings with the Securities and Exchange Commission, including our recently filed earnings release, which has been posted to our corporate site, investors.renaissance.com, at the press releases link under the news and market data tab. Furthermore, the COVID-19 pandemic has magnified and likely will continue to magnify the impact of these factors on us. We undertake no obligation and we specifically disclaim any obligation to update or revise forward-looking statements to reflect changed assumptions, the occurrence of unanticipated events, or changes to future operating results over time. In addition, some of the financial measures that we may discuss this morning are non-GAAP financial measures. A reconciliation of the non-GAAP measures to the most comparable GAAP measures can be found in our earnings release. And now I will turn the call over to our President and Chief Executive Officer, Mitch Waycaster.

Thank you, Kelly. Good morning. We appreciate you joining the call today. Before Kevin and Jim discuss results for the fourth quarter and our near-term outlook, I want to offer reflections on the past year and the opportunities ahead of us. At Renasant, we emphasize being one team going to market as one bank. We live that every day, working together as we serve our customers. 2020 was a great example of how we came together as one team to respond to the crisis. As difficult as the year was, I will forever be proud of the way our employees responded to the challenges. I believe 2021 holds considerable promise for the company. We start with a great team. Renasant employees are actively engaged in our communities and continually strive to provide distinguished levels of service to customers. Additionally, we operate in a number of high growth markets that we believe are positioned for accelerated economic activity in the future. Finally, our baseline principles, the importance of core funding, asset quality, and strong levels of capital. unchanged. We have a diverse product line and expect to make meaningful strides in our efficiency. All of this causes me to be optimistic about the year ahead. Now I'll turn it over to Kevin.