Doug Bowers | President & CEO |
John Bogler | CFO |
Timur Braziler | Wells Fargo |
Matthew Clark | Piper Jaffray |
Jackie Bohlen | KBW |
Gary Tenner | DA Davidson |
Andrew Liesch | Sandler O'Neill |
Ebrahim Poonawala | Bank of America, Merrill Lynch |
Steve Moss | B. Riley FBR |
Hello, and welcome to Banc of California's Fourth Quarter Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator instructions] Today's conference call is being recorded and a copy of the recording will be available later today on the Company's Investor Relations website. A presentation that management will reference on today's call is also available on the Company's Investor Relations website.