Luke Wyse | executive |
Aaron Graft | executive |
Joseph Yanchunis | analyst |
William Voss | executive |
Melissa Forman | executive |
Frank Schiraldi | analyst |
Todd Ritterbusch | executive |
Gary Tenner | analyst |
Michael Perito | analyst |
Tom Wendler | analyst |
Good morning. It's 9:30 in Dallas, and we're looking forward to our time with you this morning. I'd like to start by thanking you for your interest in Triumph Financial. I speak with enough of you to know what a busy time of year this is, and we sincerely appreciate you taking a moment to discuss our Fourth Quarter results with us.
With that, let's get to business.