Ronald L. Farnsworth Jr. | EVP and CFO |
Cort Lane O'Haver | President and CEO |
David F. Shotwell | EVP, Chief Risk Officer and Chief Credit Officer |
Torran B. Nixon | Senior EVP and Chief Banking Officer |
Steven Alexopoulos | JP Morgan |
Jeffrey Rulis | D.A. Davidson & Co. |
Aaron Deer | Sandler O'Neill |
Michael Young | SunTrust Robinson Humphrey |
Jacquelynne Bohlen | KBW |
Matthew Clark | Piper Jaffray |
David Chiaverini | Wedbush Securities |
Good day and welcome to the Umpqua Holdings Corporation Third Quarter Earnings Call. Today's conference is being recorded. And now at this time, I'd like to turn the conference over to Mr. Ron Farnsworth, CFO. Please go ahead, sir.