First Interstate BancSystem, Inc. Reports Fourth Quarter Earnings Transcript (Summary)
Note: Call starts abruptly and with technical difficulty. Kevin Riley: Thanks, [Lisa] . Good morning, and thanks again to all of you for joining us on our call today. Again, this quarter along with our earnings release, we have published an updated investor presentation that has some additional disclosures that we believe will be helpful. The presentation can be accessed on our investor website. And if you haven't downloaded a copy yet, I would encourage you to do so. I'm going to start off today by providing an overview of the major highlights for the quarter. And then, I'll turn the call over to Marcy to provide more details on our financials. We delivered another strong quarter as healthy economic conditions across our markets resulted in strong deposit inflows, a strong level of new loan production and further improvement in asset quality. Combined with our disciplined expense management, this produced a strong quarter of earnings with net income coming in at $51.2...