David Patti | executive |
Jay Sidhu | executive |
Samvir Sidhu | executive |
Carla Leibold | executive |
Harold Goetsch | analyst |
Casey Haire | analyst |
Peter Winter | analyst |
Michael Perito | analyst |
Stephen Moss | analyst |
Frank Schiraldi | analyst |
Matthew Breese | analyst |
William Dezellem | analyst |
Good morning. My name is Rob, and I will be your conference operator today. At this time, I would like to welcome everyone to the Customers Bancorp, Inc. Fourth Quarter and Full Year 2023 Conference Call. [Operator Instructions]