Robert Ramsey | Director, IR & Strategic Planning |
Jay Sidhu | Chairman & CEO |
Richard Ehst | President & COO |
Carla Leibold | EVP, CFO & Treasurer |
Stephen Moss | B. Riley FBR, Inc. |
Michael Perito | KBW |
Russell Gunther | D.A. Davidson & Co. |
Frank Schiraldi | Piper Sandler & Co. |
Matthew Dhane | Tieton Capital Management |
Good morning, and welcome to the Fourth Quarter 2019 Customers Bancorp, Inc. Earnings call. At this time, I would like to turn the call over to Mr. Bob Ramsey. Please go ahead, sir.