Robert Kaminski - Chief Operating Officer, Executive Vice President, Secretary, President of Mercantile Bank of Michigan, Chief Operating Officer Mercantile Bank of Michigan and Secretary of Mercantile Bank of West Michigan Charles Christmas - Chief Financial Officer, Principal Accounting Officer, Senior Vice President, Treasurer, Chief Financial Officer of the Bank, Senior Vice President of Bank and Treasurer of Bank Michael Price - Chairman, Chief Executive Officer, President, Chairman of Mercantile Bank of Michigan and Chief Executive Officer of Mercantile Bank of Michigan Analysts Stephen Covington Daniel Cardenas - Raymond James & Associates, Inc. Stephen Geyen - Stifel, Nicolaus & Co., Inc. John Barber - Keefe, Bruyette, & Woods, Inc. Terence McEvoy - Oppenheimer & Co. Inc. PresentationOperator Good day, ladies and gentlemen, and welcome to the Mercantile Bank Corporation First Quarter 2011 Earnings Call. [Operator Instructions] As a reminder, this conference is being recorded. And now, I'll turn the call over to Michael Price, Chairman and CEO. Please begin sir. Michael Price Thank you, Tyrone. Good morning, everyone, and welcome. We are very happy to report Mercantile Bank's return to profitability. While there are still much work to do, to bring asset quality back to our desired levels, much has been accomplished during the past four quarters. The hard work of our team, the improving economy and the success of our strategic initiatives melded together to produce our first profitable quarter in sometime. Looking forward, we see a very bright future for the bank, and we're very grateful that we survived this deep recession with a strong capital position and great team of bankers ready to provide West and Central Michigan with superior service and products. As usual, Chuck Christmas will cover the financials and then we will have Bob Kaminski cover the dynamics of our loan portfolio. We will remain available for questions at the end of the presentation. At this time, I'll turn it over to Chuck.