Ann Nachtigal | Director, Corporate Communications |
Kenneth Karels | Chairman & CEO |
Peter Chapman | EVP, CFO & Principal Accounting Officer |
Douglas Bass | President & COO |
Michael Gough | EVP & Chief Credit Officer |
David Rochester | Deutsche Bank |
Jeffrey Rulis | D.A. Davidson & Co. |
Jon Arfstrom | RBC Capital Markets |
Damon DelMonte | KBW |
Timothy O'Brien | Sandler O'Neill + Partners |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Nathan Race | Piper Jaffray Companies |
Good morning, and welcome to the Great Western Bancorp First Quarter Fiscal Year 2019 Earnings Conference Call. [Operator Instructions]. Please note, this event is being recorded. I would now like to turn the conference over to Ann Nachtigal. Please go ahead.