David Patti | Director of Communications |
Jay Sidhu | Executive Chairman |
Sam Sidhu | President and Chief Executive Officer |
Carla Leibold | Executive Vice President and Chief Financial Officer |
Andy Bowman | Executive Vice President and Chief Credit Officer |
Bill Dezellem | Tieton Capital Management |
Good morning. My name is Rob, and I will be conference operator today. At this time, I would like to welcome everyone to the Customers Bancorp Fourth Quarter and Year-End Earnings Report Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks, there will be a question-and-answer session.