Christina Carrabino | IR |
Christopher Myers | President, CEO & Director |
Allen Nicholson | EVP & CFO |
Jacquelynne Bohlen | KBW |
Matthew Clark | Piper Jaffray Companies |
Aaron Deer | Sandler O'Neill + Partners |
Gary Tenner | D.A. Davidson & Co. |
Stanley Westhoff | Walthausen & Co. |
Good morning, ladies and gentlemen, and welcome to the Fourth Quarter and Year Ended 2018 CVB Financial Corporation and its subsidiary, Citizens Business Bank, Earnings Conference Call. My name is William, and I will be your operator for today. [Operator Instructions]. Please also note that this event is being recorded. And I would now like to turn the presentation over to your host for today's call, Ms.