Ann Nachtigal | Corporate Communications |
Ken Karels | Chairman and Chief Executive Officer |
Doug Bass | President and Chief Operating Officer |
Peter Chapman | Chief Financial Officer |
Michael Gough | Chief Credit Officer |
Jon Arfstrom | RBC Capital Markets |
Damon DelMonte | KBW |
Steven Alexopoulos | JPMorgan |
Dave Rochester | Deutsche Bank |
Ebrahim Poonawala | Bank of America |
Tim O'Brien | Sandler O'Neill and Partners |
Jeff Rulis | D.A. Davidson |
Nathan Race | Piper Jaffray |
Terry McEvoy | Stephens |
Good morning and welcome to the Great Western Bancorp Fourth Quarter and Full Year Fiscal Year 2018 Earnings Announcement 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 Ann Nachtigal.