Midland States Bancorp, Inc. (NASDAQ:MSBI) Q4 2021 Earnings Conference Call January 28, 2022 8:30 AM ET Company Participants Jeff Ludwig - President and CEO Eric Lemke - CFO Tony Rossi - Financial Profiles, IR Conference Call Participants Terry McEvoy - Stephens, Inc. Damon DelMonte - KBW Nathan Race - Piper Sandler Manuel Navas - D.A. Davidson Operator Good day, and thank you for standing by. Welcome to the Q4 2021 Midland States Bancorp Earnings Conference Call. At this time, all participants are in a lis ...