Christina Carrabino | Investor Relations |
Dave Brager | President and Chief Executive Officer |
Allen Nicholson | Executive Vice President and Chief Financial Officer |
Matthew Clark | Piper Sandler |
Clark Wright | D.A. Davidson |
Kelly Motta | KBW |
Eric Spector | Raymond James |
Tim Coffey | Janney Montgomery Scott |
Good morning, ladies and gentlemen, and welcome to the Fourth Quarter and Year Ended 2022 CVB Financial Corporation and its subsidiary Citizens Business Bank Earnings Conference Call. My name is Sherry, and I am your operator for today. At this time all participants are in a listen-only mode. Later we will conduct a question-and-answer session. [Operator Instructions] Please note that this call is being recorded.