Kenneth Karels | Chairperson, President and CEO |
Doug Bass | EVP and COO |
Peter Chapman | EVP and CFO |
Karlyn Knieriem | CRO |
Seth Artz | Head of IR |
Jeff Rulis | D.A. Davidson |
Andrew Liesch | Piper Sandler |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Jon Arfstrom | RBC Capital Markets |
David Long | Raymond James |
Damon DelMonte | Keefe, Bruyette & Woods |
Janet Lee | JPMorgan |
Terry McEvoy | Stephens |
Good morning and welcome to Great Western Bancorp's First Quarter Fiscal Year 2020 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].