Randy Chesler | President & CEO |
Ron Copher | CFO |
Tom Dolan | Chief Credit Administrator |
Byron Pollan | Treasurer |
Jeff Rulis | D.A. Davidson |
Kelly Motta | KBW |
Good day, and thank you for standing by. Welcome to the Glacier Bancorp Fourth Quarter Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today's conference is recorded.