Q4 2019 First Merchants Corp Earnings Call Transcript
Good day, and welcome to the First Merchants Corporation Fourth Quarter 2019 Earnings Conference Call. (Operator Instructions) Please note, this event is being recorded.
This presentation contains forward-looking statements made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act. Such forward-looking statements can be identified by the use of words like believe, expect or may and include statements relating to First Merchants' business plan, growth strategies, loan and investment portfolio, asset quality, risks and future costs. These statements are subject to significant uncertainties that may cause results to differ materially from those set forth in such statements, including changes in economic conditions, the ability of First Merchants to integrate recent acquisitions, changes in regulations and requirements of the company's regulators, litigation changes in the creditworthiness of customers, fluctuation in the market's rates of interest and other risks and factors identified in First Merchants' filings with the Securities and Exchange Commission. First
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