Midland States Bancorp, Inc. (NASDAQ:MSBI) Q4 2020 Earnings Conference Call January 29, 2021 8:30 AM ET Company Participants Tony Rossi - Investor Relations Jeff Ludwig - President and Chief Executive Officer Eric Lemke - Chief Financial Officer Conference Call Participants Michael Perito - KBW Terry McEvoy - Stephens Nathan Race - Piper Sandler Operator Ladies and gentlemen, thank you for standing by and welcome to the Midland States Bancorp's Fourth Quarter Earnings Conference Call. At this time, all part ...