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 Robert B. Kaminski - Chief Operating Officer, Executive Vice President, Secretary, Director, President of Mercantile Bank of Michigan, Chief Operating Officer Mercantile Bank of Michigan and Secretary of Mercantile Bank of West Michigan Analysts Stephen Geyen - Stifel, Nicolaus & Co., Inc., Research Division John Barber - Keefe, Bruyette, & Woods, Inc., Research Division Daniel E. Cardenas - Raymond James & Associates, Inc., Research Division PresentationOperator Good morning, and welcome to the Mercantile Bank Corporation First Quarter 2012 Earnings Results Call and Webcast. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Karen Keller of Lambert, Edwards & Associates. Please go ahead. Karen Keller Thank you, Andrew. 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 first quarter 2012. I'm Karen Keller with Lambert, Edwards, Mercantile 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.