Steve Gardner | Chairman and CEO |
Ron Nicolas | Sr. EVP and CFO |
Tyler Stafford | Stephens, Inc. |
Matthew Clark | Piper Jaffray |
Gary Tenner | D.A. Davidson |
Jackie Bohlen | KBW |
Andrew Liesch | Sandler O'Neill |
Tim Coffey | FIG Partners |
Don Worthington | Raymond James |
Hello, everyone. And welcome to the Pacific Premier Bancorp’s Fourth Quarter 2018 Conference Call. All participants today will be in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note that today’s event is being recorded.