Bob Ramsey | Director-Investor Relations |
Jay Sidhu | Chairman and Chief Executive Officer |
Carla Leibold | Executive Vice President and Chief Financial Officer |
Dick Ehst | President and Chief Operating Officer |
Steve Moss | B. Riley FBR |
Michael Perito | KBW |
Russell Gunther | D.A. Davidson |
Bill Dezellem | Tieton Capital |
Frank Schiraldi | Sandler O'Neill |
Good morning, and welcome to the Third Quarter 2019 Customers Bancorp, Inc. Earnings Call. At this time, I would like to turn the call over to Mr. Bob Ramsey, Head of Investor Relations at Customers Bancorp. Please go ahead, sir.