Simone Lagomarsino | President & Chief Executive Officer |
Laura Tarantino | Chief Financial Officer |
John Cardamone | Chief Credit Officer |
Jackie Bohlen | KBW |
James Kerr | D.A. Davidson |
Good morning, and welcome to the Luther Burbank Corporation Fourth Quarter 2019 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity for analyst covering Luther Burbank Corporation to ask questions. [Operator Instructions]
Before we begin, I would like to remind everyone that some of the comments made during this call maybe considered forward-looking statements.