Michael H. Price - Chairman, Chief Executive Officer, President, Chairman of Mercantile Bank of Michigan and Chief Executive Officer of Mercantile Bank of 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 - Robert B. Kaminski - Chief Operating Officer, Senior Vice President, Secretary of Mercantile Bank of West Michigan, Chief Operating Officer Mercantile Bank of Michigan, Executive Vice President, President of Mercantile Bank of Michigan, Secretary and Director 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 Jonathan Evans PresentationOperator Good morning, everyone, and welcome to the fourth quarter and full year 2011 earnings results conference call. [Operator Instructions] Please also note that today's event is being recorded. I would now like to turn the conference call over to Ms. Karen Keller. Ms. Keller, please go ahead. Karen Keller Thank you Jamie. Good morning, everyone, and thank you for joining us today for Mercantile Bank Corp.'s conference call and webcast to discuss the company's financial results for the fourth quarter and full year 2011. I'm Karen Keller with Lambert, Edwards & Associates, 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.