Q4 2019 Old Second Bancorp Inc Earnings Call Transcript
Good morning, everyone, and thank you for joining us for today's Old Second Bancorp, Inc.'s Fourth Quarter 2019 Earnings Call. On the call today is Jim Eccher, CEO; Gary Collins, Vice Chairman; and the company's CFO, Brad Adams.
I will start with a reminder that Old Second's comments today may contain forward-looking statements about the company's business, strategies and prospects, which are based on management's existing expectations and the current economic environment. These statements are not a guarantee of future performance, and results may differ materially from those projected. Management would ask you prefer -- I'm sorry, refer to the company's SEC filings for a full discussion of the company's risk factors.
On today's call, we will also be discussing certain non-GAAP financial measures. These non-GAAP measures are described and reconciled to their GAAP counterparts in our earnings release which is available on our website at oldsecond.com under the Investor Relations tab.
Now I'll turn the call over to Jim Eccher. Please go ahead, sir.
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