Jacque Bohlen | Director, Investor Relations |
Cort O'Haver | President & Chief Executive Officer |
Ron Farnsworth | Chief Financial Officer |
Frank Namdar | Chief Credit Officer |
Tory Nixon | President, Umpqua Bank |
Jeff Rulis | D.A. Davidson |
Jared Shaw | Wells Fargo Securities |
Brandon King | Truist Securities |
Matthew Clark | Piper Sandler |
Good day and welcome to the Umpqua Holdings Corporation Third Quarter 2021 Earnings Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions]. I would now like to introduce the call.