Michael H. Price - Chairman, Chief Executive Officer, President, Chairman of Mercantile Bank of Michigan and Chief Executive Officer of Mercantile Bank of Michigan Robert B. 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 E. 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 Karen Keller - Analysts John Barber - Keefe, Bruyette, & Woods, Inc., Research Division Stephen Geyen - Stifel, Nicolaus & Co., Inc., Research Division Daniel E. Cardenas - Raymond James & Associates, Inc., Research Division Terence J. McEvoy - Oppenheimer & Co. Inc., Research Division PresentationOperator Good morning, and welcome to Mercantile Bank Corporation's Third Quarter 2011 Earnings Conference Call. [Operator Instructions] Today's call is being recorded at the request of 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 Thanks, Jaime. 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 third quarter ended September 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 Chief Executive Officer; Robert Kaminski, Executive Vice President and Chief Operating Officer; and Chuck Christmas, Senior Vice President and Chief Financial Officer.