Jeff Deuel | Chief Executive Officer and President |
Don Hinson | Chief Financial Officer |
Bryan McDonald | Chief Operating Officer |
Jeff Rulis | D.A Davidson |
Gordon McGuire | Stephens |
Matthew Clark | Piper Jaffray |
Ladies and gentlemen, thank you for standing by. And welcome to the Heritage Financial Fourth Quarter and Year End Conference Call. At this time, all participants are in a listen only mode. Later we will conduct a question-and-answer session. [Operator Instructions].