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 Michael Price - Chairman, Chief Executive Officer, President, Chairman of Mercantile Bank of Michigan and Chief Executive Officer of Mercantile Bank of Michigan Karen Keller - Charles Christmas - Chief Financial Officer, Principal Accounting Officer, Senior Vice President, Treasurer, Chief Financial Officer of Mercantile Bank of Michigan, Senior Vice President of Mercantile Bank of Michigan and Treasurer of Mercantile Bank of Michigan Analysts 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 morning, and welcome to Mercantile Bank Corporation's Second Quarter 2011 Earnings Conference Call. [Operator Instructions] Today's conference is being recorded at the request of the Mercantile Bank Corporation. If anyone has objections, you may disconnect at this time. I would now like to turn the conference call over to Ms. Karen Keller. Ms. Keller, you may proceed. Karen Keller Thank you, Jamie. Good morning everyone, and thank you for joining Mercantile Bank Corporation's conference call and webcast to discuss the company's financial results for the second quarter ended June 30, 2011. I'm Karen Keller with Lambert, Edwards, Mercantile's Investor Relations firm. And joining me are members of their management team, including Michael Price, Chairman, President and CEO; Robert Kaminski, Executive Vice President and Chief Operating Officer; and Chuck Christmas, Senior Vice President and Chief Financial Officer.