Elizabeth Eckel | SVP, Marketing & IR |
Joseph MarcAurele | Chairman & CEO |
Edward Handy | President, COO & Director |
Ronald Ohsberg | Senior EVP, Treasurer & CFO |
Nick Pirsos | Sandler O'Neill + Partners |
Damon DelMonte | KBW |
Laurie Hunsicker | Compass Point Research & Trading |
Good morning, and welcome to Washington Trust Bancorp, Inc.'s conference call. My name is Rob, and I'll be your operator today. [Operator Instructions]. Today's call is being recorded. And I will now turn the call over to Elizabeth Eckel, Senior Vice President, Marketing and Investor Relations.