Jack Kopnisky | President, Chief Executive Officer |
Luis Massiani | Executive Vice President, Chief Financial Officer |
Casey Haire | Jefferies |
Alex Twerdahl | Sandler O'Neill |
Dave Bishop | FIG Partners |
Austin Nicholas | Stephens |
Collyn Gilbert | KBW |
Matthew Breese | Piper Jaffray |
Good day everyone. Thank you for standing by. Welcome to the Sterling Bancorp's fourth quarter 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 of Sterling Bancorp.