Hadley Robbins | President and Chief Executive Officer |
Greg Sigrist | Chief Financial Officer |
Clint Stein | Chief Operating Officer |
Andy McDonald | Chief Credit Officer |
Jeff Rulis | D.A. Davidson |
Matthew Clark | Piper Jaffray |
Jon Arfstrom | RBC Capital Markets |
Aaron Deer | Sandler O’Neill |
Jackie Bohlen | KBW |
Ladies and gentlemen, thank you for standing by. Welcome to the Columbia Banking System’s Fourth Quarter and Full Year 2018 Earnings Release Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answers session through both the telephone and web. Instructions will be given at that time.