James Beckwith | President and Chief Executive Officer |
Heather Luck | Senior Vice President and Chief Financial Officer |
Stuart Lotz | KBW |
Andrew Terrell | Stephens |
Gary Tenner | D.A. Davidson |
00:06 Welcome to the Five Star Bancorp Fourth Quarter and Year-End Earnings Webcast. Please note, this is a close conference call and you are encouraged to listen via the webcast. After today's presentation, there will be an opportunity for those provided with a dial-in number to ask questions. [Operator Instructions]. 00:30 Before we get started, let me remind you that today's meeting will include some forward-looking statements within the meaning of applicable securities laws.