Susan Caudle | Executive Assistant & Shareholder Relations |
Charles Holland | Chairman & CEO |
Terry Earley | EVP & CFO |
Michael Riebe | EVP & Chief Credit Officer |
Matthew Olney | Stephens Inc. |
Brady Gailey | KBW |
Bradley Milsaps | Sandler O'Neill + Partners |
Gary Tenner | D.A. Davidson & Co. |
Daniel Mannix | Raymond James & Associates |
William Dezellem | Tieton Capital Management |
Good day, and welcome to the Veritex Holdings Fourth Quarter 2018 Earnings Conference Call and Webcast. [Operator Instructions]. Please note, this event is being recorded. I would now like to turn the call over to Ms. Susan Caudle, Investor Relations Officer and Secretary to the Board of Veritex Holdings.