Operator
Good morning, and welcome to the Mercantile Financial institution Company 2025 Fourth Quarter Earnings Outcomes Convention Name. [Operator Instructions]. Please observe, this occasion is being recorded.
I might now like to show the convention over to Nichole Kladder, Chief Advertising Officer of Mercantile Financial institution. Please go forward.
Nichole Kladder
Hi there, and thanks for becoming a member of us. At the moment, we’ll cowl the corporate’s monetary outcomes for the fourth quarter of 2025. The staff members becoming a member of me this morning embody Ray Reitsma, President and Chief Government Officer; in addition to Chuck Christmas, Government Vice President and Chief Monetary Officer.
Our agenda will start with ready remarks by each Ray and Chuck and can embody references to our presentation masking this quarter’s outcomes. You possibly can entry a replica of the presentation in addition to the press launch despatched earlier right this moment by visiting mercbank.com.
After our ready remarks, we’ll then open the decision to your questions. Earlier than we start, it’s my duty to tell you that this name could contain sure forward-looking statements resembling projections of income, earnings and capital construction in addition to statements on the plans and targets of the corporate’s enterprise.
The corporate’s precise outcomes might differ materially from any forward-looking statements made right this moment as a consequence of elements described within the firm’s newest Securities and Alternate Fee filings. The corporate assumes no obligation to
