Jerry Golemon | COO |
Dean Bass | CEO |
David McGuire | President |
Allison Johnson | CFO |
Brad Milsaps | Piper Sandler |
Woody Lay | KBW |
Thomas Windler | Stephens |
Greetings, and welcome to Spirit of Texas Q4 2020 Earnings Conference Call. At this time, all participants are in a listen-only mode. A question and answer session will follow the formal presentation. [Operator Instructions] Please note, this call is being recorded. I will now turn the conference over to management to begin the presentation.