Craig Blunden | Chairman & Chief Executive Officer |
Donavon Ternes | President, Chief Operating & Chief Financial Officer |
Nick Cucharale | Piper Sandler |
Tim Coffey | Janney |
Ladies and gentlemen, thank you for standing by. Welcome to the Provident Financial Holdings Fourth Quarter Earnings Conference Call. At this time, all participants are in a listen-only mode. Later there will be an opportunity for questions and answers with instructions given at that time. [Operator Instructions] As a reminder, your call today is being recorded.