Adriano Duarte | Head of Investor Relations |
Tony Labozzetta | President & Chief Executive Officer |
Tom Lyons | Senior Executive Vice President & Chief Financial Officer |
Mark Fitzgibbon | Piper Sandler |
Bill Young | RBC Capital Markets |
Michael Perito | KBW |
Hello and welcome to today's Provident Financial Services, Inc. Fourth Quarter Earnings Conference Call. My name is Bailey [ph] and I'll be the moderator for today's call. [Operator Instructions]
I would now like to pass the conference over to our host, Adriano Duarte, Head of Investor Relations.