Craig Blunden | Chairman & CEO |
Donavon Ternes | President, COO, CFO & Corporate Secretary |
Brian Zabora | Hovde Group |
Timothy O'Brien | Sandler O'Neill + Partners |
Timothy Coffey | FIG Partners |
Ladies and gentlemen, thank you for standing by, and welcome to the Provident Financial Holdings Fourth Quarter Earnings Conference Call. [Operator Instructions].
As a reminder, today's conference is being recorded. And I would now like to turn the conference over to our host, Mr. Craig Blunden.