Good morning and welcome to the SB Financial First Quarter 2017 Financial Results Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity to ask questions. Please note that this event is being recorded. I would now like to turn the conference over to Ms. Melissa Martin. Please go ahead.

Good morning, everyone. I would like to remind you that this conference call is being broadcast live over the Internet and will also be archived and available on our website at www.yourSBFinancial.com under Investor Relations. Joining me today are Mark Klein, Chairman, President and CEO; Tony Cosentino, Chief Financial Officer; and Jon Gathman, Senior Lending Officer. Before I turn the call over to Mr. Klein, let me add that this call may contain forward-looking statements regarding SB Financial Group's financial performance, anticipated plans, operational results and objectives. Forward-looking statements are based on Management's expectations and are subject to a number of risks and uncertainties that could cause actual results to differ materially from those expressed or implied on our call today. We have identified a number of different factors within the forward-looking statements at the end of our earnings release and you are encouraged to review those factors. SB Financial Group undertakes no obligation to update any forward-looking statement except as required by law after the date of this call. In addition to the financial results presented in accordance with GAAP, this call will also contain certain non-GAAP financial measures. I will now turn the call over to Mr. Klein.

Thank you, Melissa, and good morning everyone. Thank you all for joining us. Welcome to our first quarter 2017 webcast. Of course, we filed our earnings release yesterday and that will certainly provide additional depth and details to everyone today on our and from our webcast. However, highlights for the quarter include net income, $2 million, a 20.4% improvement over the prior year quarter with a return on average assets of 0.96%, a 10% improvement. Diluted earnings per share was $0.31 per share, representing a 19.2% improvement over the prior quarter. Trailing 12-months EPS now stand at $1.43. Our loan balances expanded to $49 million or over 8.6%, top-line revenue for the quarter expanded approximately 8% from the year ago quarter, but was down 12.5% from the linked quarter. Tony will have more details on that. Expenses for the quarter declined nearly 6% from the linked quarter, but reflected an increase from the year ago quarter of 7% due to recent strategic expansions we've talked about for number of quarters. Assets under management expanded this quarter to over $404 million, an increase of $46.7 million or 13% over the prior year. Mortgage volume for the quarter was $56.6 million, a decline of approximately $26 million or 32% from the linked quarter. Our asset quality metrics remain quite strong and finally SBA loan volume was very good at $4.6 million. Our results continue to reflect as we’ve talked in prior quarters about our five key strategic initiatives and the success of those initiatives. They continue to be revenue diversity, adding more scale to our operation, improving our scope, high- touch, seamless work class service to our clients; and, of course, market-leading asset quality, a few details on each. This quarter, our non-interest income as a percent of revenue declined to 36.9%…

Thanks Mark. Good morning everyone. Again to reiterate, for the quarter, we had net income of $2 million or $0.31 per dilute EPS. That EPS of $0.31 was up $0.05 or 19% from the prior year, but down $0.06 or 16% for the linked quarter. Total operating revenue was up 7.9% in the prior year, down 2.1% from the linked quarter. Loan growth was up $50 million from the prior year or 8.6%. Loan sale gains delivered $1.7 million from mortgage small business and agriculture. And lastly, we continue to improve on all of our asset quality metrics. As we break down further the first-quarter income statement, let's start with margin. Net interest income was up from the prior year by 6.4% down just slightly from the linked quarter. End of period loan balances from the prior year were up $49.6 million, an increase of 8.6%. Since March of 2012, we have increased our loan balances by $187 million, or 6% compound annual growth rate. It has been a consistent five-year growth story. Average loan yield of 4.29%, decreased by 12 basis points in the prior year and overall earning asset yield was down 10 basis points from the prior year. On the funding side, we continue to experience an increase in the cost of our interest-bearing liabilities, which came in at 60 basis points for the quarter, up 9 basis points for the prior year and up 2 basis points from the linked quarter. Our need for retail funding to facilitate loan growth is driving deposit cost higher. Net interest margin at 3.59% was down 16 basis points from the prior year and down from the linked quarter by 10 basis points. These variances were due to the combination of higher deposit costs, lower loan growth and reduced fees…

Thank you, Tony. We are certainly off to a great start for 2017. As Tony mentioned, a 0.96% ROAA, deposit growth 5.4% over the linked quarter. Certainly, excellent loan quality, great SBA loan sale gains, a bit off on the mortgage volume, but our metrics continue to deliver our vision of high performance, an ROAA at or above that 19th percentile of our peer banks. With a stronger position in our newer, low share, higher growth markets, we feel we are certainly well poised to continue to build our momentum over the next three quarters and turn in that top decile performing year that we so aspire in 2017. I’ll now turn the call back over to Melissa Martin for questions.

Thank you Mark. Operator we are now ready for our first question.

We will now begin the question-and-answer session. [Operator Instructions]

While we're waiting for questions, I would like to remind you that today's call will be accessible on our website at www.yoursbfinancial.com, under Investor Relations.

[Operator Instructions] There appear to be no questions at this time. I would like to turn the conference back over to Ms. Melissa Martin for any closing remarks.

Thank you. Now I will turn the call over to Mr. Klein for closing remarks.

Once again, thank you all for joining us. We certainly look forward to speaking with you all again in July for our second-quarter earnings release and webcast. Have a great weekend. Goodbye.

The conference has now concluded. Thank you for attending today’s presentation. You may now disconnect your lines.