Lynn Harton | Chairman & Chief Executive Officer |
Rob Edwards | Chief Risk Officer |
Jefferson Harralson | Chief Financial Officer |
Rich Bradshaw | Chief Banking Officer |
Rob Edwards | Chief Risk Officer |
Brad Milsaps | Piper Sandler |
Michael Rose | Raymond James |
Jennifer Demba | Truist Securities |
Kevin Fitzsimmons | D.A. Davidson |
Catherine Mealor | KBW |
Brody Preston | Stephens, Inc |
Good morning, and welcome to United Community Bank's Fourth Quarter 2020 Earnings Call. Hosting the call today are Chairman and Chief Executive Officer, Lynn Harton; Chief Financial Officer, Jefferson Harralson; Chief Banking Officer, Rich Bradshaw; and Chief Risk Officer, Rob Edwards. United's presentation today includes references to operating earnings, pre-tax, pre-credit earnings and other non-GAAP financial information.
For these non-GAAP financial measures, United has provided a reconciliation to the corresponding GAAP financial measure in the financial highlights section of the earnings release as well as at the end of the investor presentation. Both are included on the website at ucbi.com.