Mark Mason | CEO |
Mark Ruh | CFO |
Jeff Rulis | D.A. Davidson |
Steve Moss | B. Riley FBR |
Jackie Bohlen | KBW |
Tim O'Brien | Sandler O'Neill and Partners |
Tim Coffey | FIG partners |
Good day and welcome to the HomeStreet Inc., Year-end and Fourth Quarter 2018 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today’s presentation there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Mark Mason, Chief Executive Officer.