Midland States Bancorp, Inc. (NASDAQ:MSBI) Q4 2022 Earnings Conference Call January 27, 2022 8:30 AM ET Company Participants Tony Rossi - IR, Financial Profiles, Inc. Jeffrey Ludwig - President & CEO Eric Lemke - CFO Conference Call Participants Jeff Rulis - D.A. Davidson & Co. Damon DelMonte - Keefe, Bruyette & Woods North America Nathan Race - Piper Sandler Operator Good day, and thank you for standing by. Welcome to the Q4 2022 Midland States Bancorp Earnings Conference Call. At this time, all participan ...