Susan Caudle | IR Officer and Secretary to the Board |
Malcolm Holland | Chairman and CEO |
Terry Earley | CFO |
Clay Riebe | Chief Credit Officer |
Brad Milsaps | Piper Sandler |
Michael Rose | Raymond James |
Benjamin Gerlinger | Hovde Group |
Matt Olney | Stephens |
Gary Tenner | D.A. Davidson |
Good day, and welcome to the Veritex Holdings Fourth Quarter 2021 Earnings Conference Call and Webcast. All participants will be in a listen-only mode. Please note, this event is being recorded. I will now turn the conference over to Ms. Susan Caudle, Investor Relations Officer and Secretary to the Board of Veritex Holdings.