Gray Fleming | Chief Risk Officer |
Doug Williams | Chief Executive Officer |
Patrick Oakes | Chief Financial Officer |
Jennifer Demba | Truist Securities |
Michael Rose | Raymond James |
Steve Comery | G. Research |
Stephen Scouten | Piper Sandler |
Christopher Marinac | JMS |
Ross Haberman | RLH Investments |
Good day, and welcome to the Atlantic Capital Bank Fourth Quarter 2020 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] I would now like to turn the conference over to Gray Fleming, Chief Risk Officer. Please go ahead sir.