Rick Kraemer | Investor Relations Officer |
Ira Robbins | President and Chief Executive Officer |
Alan Eskow | Senior Executive Vice President and Chief Financial Officer |
Frank Schiraldi | Sandler O'Neill |
Jake Civello | RBC Capital Markets |
Collyn Gilbert | KBW |
Matthew Priest | Piper Jaffray |
Erik Zwick | Stephens Inc. |
Ladies and gentlemen, thank you for standing by and welcome to the Fourth Quarter Earnings Release conference call. At this time, all participants are in a listen-only mode. [Operator Instructions] As a reminder, today’s conference is being recorded. I would now turn the call over to Investor Relations Officer of Valley National Bank, Rick Kraemer. Please go ahead.