Noah Fields | Head of Investor Relations |
Michael Collins | Chairman & Chief Executive Officer |
Michael Schrum | Chief Financial Officer |
Michael Schiavone | KBW |
Alex Twerdahl | Piper Sandler |
Will Nance | Goldman Sachs |
Timur Braziler | Wells Fargo |
David Feaster | Raymond James |
Good morning. My name is Andrew and I will be your conference operator today. At this time, I would like to welcome everyone to the Fourth Quarter and Year-End 2020 Earnings Call for The Bank of N.T. Butterfield & Son Limited. All participants will be in listen-only mode.