Jeff Deuel | President and CEO of Heritage Bank |
Brian Vance | CEO |
Don Hinson | CFO |
Bryan McDonald | COO |
Jeff Rulis | D.A. Davidson |
Matthew Clark | Piper Jaffray |
Tim O'Brien | Sandler O'Neill |
Jacque Bohlen | KBW |
Ladies and gentlemen, thank you for standing by, and welcome to the Heritage Financial Fourth Quarter Earnings Call. At this time, all the participant lines are in a listen-only mode. There will be an opportunity for your questions, and instructions will be given at that time. [Operator Instructions] As a reminder, today's call is being recorded. I'll turn the conference now to Mr.