Jack Kopnisky | President and CEO |
Luis Massiani | CFO |
Casey Haire | Jefferies |
Austin Nicholas | Stephens |
Alex Twerdahl | Sandler O'Neill |
Dave Bishop | SIG Partners |
Joseph Fenech | Hovde Group |
Collyn Gilbert | KBW |
Matthew Breese | Piper Jaffray |
Ladies and gentlemen, thank you for standing by. Good day, and welcome to the Sterling Bancorp’s Q3 2018 Conference Call. Today's conference is being recorded. At this time, I would like to turn the conference over to Jack Kopnisky, President and CEO. Please go ahead, sir.