Q4 2019 Southside Bancshares Inc Earnings Call Transcript

Jan 31, 2020 / 03:00PM GMT
Operator

Ladies and gentlemen, thank you for standing by, and welcome to the Southside Bancshares' Fourth Quarter and Year-end 2019 Earnings Conference Call. (Operator Instructions) Please be advised that today's conference is being recorded.

I would now like to hand the conference over to your speaker today, Lindsey Bailes, Vice President, Investor Relations. Please go ahead, ma'am.

Lindsey Bailes - Southside Bancshares, Inc. - VP & IR Officer

Thank you, Sydney. Good morning, everyone, and welcome to Southside Bancshares' Fourth Quarter and Year-end 2019 Earnings Call. A transcript of today's call will be posted on southside.com under Investor Relations.

During today's call and in other disclosures and presentations, I will remind you that any forward-looking statements are subject to risk and uncertainty. Factors that could materially change our current forward-looking assumptions are described in our earnings release and our Form 10-K.

Joining me today are Lee Gibson, President and CEO; and Julie Shamburger, Senior Executive Vice

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