Jill Hewitt | Senior VP, IRO |
Christopher Maher | President, CEO |
Joe Iantosca | Chief Administrative Officer |
Joe Lebel | EVP, CLO |
Michael Fitzpatrick | CFO |
Joe Gladue | Merion Capital Group |
Russell Gunther | D.A. Davidson |
David Bishop | FIG Partners |
Matthew Breece | Piper Jaffaray |
Collin Gilbert | KBW |
Brian Zabora | Hovde Group |
Good morning. And welcome to the OceanFirst Financial Corp Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions]. After today's presentation, there will be an opportunity to ask questions.