Midland States Bancorp, Inc. (NASDAQ:MSBI) Q4 2019 Earnings Conference Call January 24, 2019 8:30 AM ET Company Participants Tony Rossi ??? Senior Vice President, Financial Profiles Jeff Ludwig ??? President and Chief Executive Officer Eric Lemke ??? Chief Financial Officer Conference Call Participants Michael Perito ??? KBW Terry McEvoy ??? Stephens Andrew Liesch ??? Piper Sandler Operator Ladies and gentlemen, thank you for standing by and welcome to the Fourth Quarter 2019 Midland States Bancorp Incorpor ...