F. Morgan Gasior | Chairman and CEO |
Brian Martin | Jamie Montgomery |
Ladies and gentlemen, thank you for standing by, and welcome to the BankFinancial Corp Fourth Quarter and Year-to-Date 2019 Review. 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] As a reminder, today’s program is being recorded
I would now like to introduce your host for today's program, F.