Craig Blunden | Chairman & CEO |
Donavon Ternes | President, COO & CFO |
Andrew Liesch | Piper Sandler |
Ladies and gentlemen, good afternoon. 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.
At this time, I'd like to turn the conference over to our host, Chairman and CEO, Mr. Craig Blunden.