Good morning and welcome to the SB Financial Group Fourth Quarter 2017 Conference Call and Webcast. I would like to inform you that this conference call is being recorded and that all participants are in a listen-only mode. We will begin with remarks by management and then open the conference up to the investment community for questions-and-answers. I would now turn the conference over to Melissa Martin with SB Financial. Please go ahead Melissa.

Good morning, everyone. I would like to remind you that this call is being broadcast live over the Internet and will 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 certain 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. Welcome to our fourth quarter and full year 2017 conference call and webcast. Yesterday, we filed our earnings release which provides additional depth and details for our comments today. Briefly highlights for 2017’s fourth quarter and full year include net income of $4 million in the fourth quarter, a 74% improvement over the prior year quarter, representing a return on average assets of 1.83%. Additionally, this was a 48% over the linked quarter. Diluted EPS for the quarter was $0.64, up $0.27 per share or 73%. Net income expanded by 1.7 million this quarter to the reduction of our deferred actual liability that our CFO, Tony Cosentino, will discuss shortly. Net income for the year was 11.1 million, a 26% improvement year-over-year or 2.3 million. ROA was 1.29% for the quarter and trailing 12 months EPS now stands at a $1.74, up $0.36 per share and a 26.1% improvement over the prior year. Loan balances expanded nearly 22 million in the fourth quarter or over 3.2%, for the year expanded by over 52 million or 8%. Top line revenue for the quarter, while contracting a bit over the linked quarter and a year ago quarter expanded approximately 4.25% year-over-year. Expenses contracted for the linked quarter and were slightly up year-over-year representing business line expansions, regulatory oversight and our reach into newer markets. We expanded assets under management and our wealth management division this quarter to 437 million, a $7 million increase over the linked quarter and nearly 16% over the year ago quarter. This represents an annualized increase of almost $59 million. Mortgage origination volume was down over 19% from the linked quarter to 72 million. This decline is primarily due to the continued limitation of available inventory in most of our markets.…

Thanks Mark. Good morning, everyone. For the quarter, as Mark indicated, we had net income of 4 million or $0.64 per diluted EPS. Net EPS was up $0.27 or 73% from the prior year and up $0.21 or 48% from the linked quarter. Highlights this quarter include, as Mark indicated foremost, due to our large mortgage servicing portfolio, we had a significant income tax credit related to our deferred tax liability position. The credit was 1.7 million or $0.27 per share, all coming to the bottom line. Total operating revenue of 11.7 million was flat from the prior year, down just 3.1% from the linked quarter. Loan growth was up 52 million from the prior year or 8.1% and loan sales delivered gains of 1.8 million from collectively mortgaged, small business and agriculture. And lastly, we maintained our non-performing asset ratio which ended the year at 44 basis points. As we break further down into the fourth quarter income statement, starting with margin, net interest income was up from the prior year by 15.2% and up from the linked quarter by 5.4%. End of period loan balances as we stated from the prior year were up $52.2 million, an increase of 8.1%. And in this third quarter, we increased our loan balances by $21.5 million. Average loan yield of 4.7% increased by 20 basis points from the prior year, and was up 10 basis points from the linked quarter, reflecting the recent rise in rates. This quarter, we recaptured approximately 125,000 in non-performing assets on a couple of credits. And overall, our earning asset yield was up 36 basis points to the prior year. On the funding side, we continued to experience an increase in the cost of our interest bearing liabilities, coming in at 69 basis points for the…

Thank you, Tony for the recap. Just to rephrase our performance results for this past year, record net income 11.1 million, ROA 1.29%, increase in EPS of $0.36 per share to a $1.74 a year-over-year increase of 26%, loan growth of 52 million or 80%, mortgage servicing portfolio right on the cusp of the $1 billion, we’ve been working to achieve the last 10 years. Deposit growth of 56 million or 8.4% and growth of wealth assets under our care of $59 million or 15.6%, by all measures, a very successful year. When we couple our regional market leadership with an expanding economy and regulatory and tax relief, we positioned our company for even greater accomplishments in 2018, beginning with a significant realized gain forward tax savings. As a result of these improvements, we are launching a variety of tax reduction initiatives. For our stockholders, SBFG will realize a $1.7 million tax saving beginning in 2018 that Tony alluded to, which equates to a gross benefit of $0.27 per diluted share. For our communities, we are initiating a community volunteers and directive, involving each of our 250 employees. Personal time spend volunteering and our communities will now equate to additional personal days off to more and emphasis will be placed on filling traffic initiatives and our communities where the needs or the greatest. We’re also redirecting savings to an expanded total fund in order to focus on initiatives that will improve quality of life for all of our resins and each of our communities. For our staff, we are launching a marketing campaign that is focused on leveraging our stepping out into our community’s initiative. That began over a year ago. We are also implementing pay increases of anywhere from 2% to 9% and a one-time, $1,000 discretionary bonus for all accept the higher salary staffing our company. And for our clients, we remain committed and focus on expanding our digital banking strategies for more intimate client experience. This includes optimizing our website for mobility device use and expanded security and exploring the channels in which our clients can communicate with us more intimately and more effectively. We also intend to leverage our status as a preferred SBA lender by increasing our level of SBA lending in 2018 to assist growing capital constrained entrepreneurs, and those undergoing generational ownership changes. These initiatives collectively were launched and pursued of our vision to become that top performing $1 billion independent financial services company. We continue to set apart by our staff and our patient for service, our holistic approach to that client care and our commitment to the communities and investors we serve. We again want to thank you all for your continued trust and confidence. And now, I’ll turn the call back to Melissa for closing comments.

Thank you, Mark. Operator, we’re now ready for our first question.

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

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

At this time, we have no further questions on my end.

If the call is back to me and there are no further questions, I’d like to thank again everyone for joining us this morning for our excellent results that we revealed in 2017 and certainly look forward to sharing our first quarter of 2018 with you in April. Again, thanks for joining us. Have a good day. Good bye.

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