Jacque Bohlen | Director, IR |
Cort O'Haver | President and CEO |
Ron Farnsworth | CFO |
Frank Namdar | CCO |
Tory Nixon | President, Umpqua Bank |
Jeff Rulis | D.A. Davidson |
Matthew Clark | Piper Sandler |
Brandon King | Truist Securities |
Jared Shaw | Wells Fargo Securities |
Good morning and welcome to the Umpqua Holdings Corporation Fourth Quarter 2021 Earnings Call. At this time, all participants are in a listen-only mode. After the speaker presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today's conference is being recorded. [Operator Instructions] At this time, I would like to introduce Ms.