Craig Blunden | Chairman & CEO |
Donavon Ternes | President, COO, CFO & Corporate Secretary |
Matthew Clark | Piper Sandler & Co. |
Timothy Coffey | Janney Montgomery Scott |
Kevin Swanson | Hovde Group |
Ladies and gentlemen, thank you for standing by, and welcome to the Provident Financial Holdings Fourth Quarter Earnings Conference Call. [Operator Instructions]. I would now like to turn the conference over to our host, Chairman and CEO, Mr. Craig Blunden. Please go ahead, sir.