Q4 2019 QCR Holdings Inc Earnings Call Transcript
Greetings and welcome to the QCR Holdings, Inc. Fourth Quarter and Year-end 2019 Conference Call. Yesterday, after market close, the company distributed its fourth quarter and year-end press release, and we hope that you've had the opportunity to review the results. If there's anyone on the call who has not received a copy, you may access it on the company's website, www.qcrh.com. With us today from management are Larry Helling, CEO; and Todd Gipple, President, COO and CFO. Management will provide a brief summary of the financial results, and then we will open up the call to questions from analysts.
Before we begin, I would like to remind everyone that some of the information management will be providing today falls under the guidelines of forward-looking statements as defined by the Securities and Exchange Commission. As part of these guidelines, any statements made during this call concerning the company's hopes, beliefs, expectations and predictions of the future are forward-looking statements and actual results could differ
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