Courtney Theriot | executive |
Robert Franklin | executive |
Paul Egge | executive |
David Feaster | analyst |
Ramon Vitulli | executive |
Matt Olney | analyst |
John Rodis | analyst |
Good morning. My name is Crista, and I'll be your conference operator today. At this times, I would like to welcome everyone to the Stellar Bancorp's Fourth Quarter Earnings Conference Call. [Operator Instructions] I would now like to turn the conference over to your speaker today, Courtney Theriot, Chief Accounting Officer. Courtney, you may begin your conference.