Clint Stein | President & Chief Executive Officer |
Greg Sigrist | Chief Financial Officer |
Chris Merrywell | Chief Operating Officer |
Andy McDonald | Chief Credit Officer |
Jon Arfstrom | RBC Capital Markets, LLC |
Gordon McGuire | Stephens, Inc. |
Ladies and gentlemen, thank you for standing by. Welcome to Columbia Banking System's Fourth Quarter and Full Year 2019 Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session through both the telephone and web. Instructions will be given at that time.