Steve Gardner | Chairman, President and CEO |
Ronald Nicolas | CFO |
Gary Tenner | D.A. Davidson |
Matthew Clark | Piper Sandler |
Jackie Bohlen | KBW |
Andrew Terrell | Stephens |
David Feaster | Raymond James |
Tim Coffey | Janney |
Good day and welcome to the Pacific Premier Bancorp Fourth Quarter 2020 Conference Call. All participants will be in listen-only mode. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Steve Gardner, Chairman, President and CEO. Please go ahead.