Kevin Cummings | President and CEO |
Domenick Cama | SVP and COO |
Sean Burke | SVP and CFO |
Mark Fitzgibbon | Sandler O'Neill and Partners |
Chris O'Connell | KBW |
Dave Rochester | Deutsche Bank |
Austin Nicholas | Stephens Incorporated |
Brody Preston | Piper Jaffray |
Jared Shaw | Wells Fargo Securities |
Laurie Hunsicker | Compass Point |
Matthew Keating | Barclays |
Don Koch | Koch Investment |
Good morning, and welcome to the Investors Bancorp Fourth Quarter Earnings Conference Call. [Operator Instructions] Please note this event is being recorded. We'll begin this morning's call with the Company's standard forward-looking statement disclosure. On this call, representatives of Investors Bancorp Incorporated may make some forward-looking statements with respect to its financial position, results of operations and business. These forward-looking statements are not guarantees of future performance and are subject to risks, uncertainties and other factors some of which are beyond Investors Bancorp's control, are difficult to predict and which can cause actual results to materially differ from those expressed or forecast in these forward-looking statements.