Ron Farnsworth | CFO |
Cort O'Haver | President & CEO |
Tory Nixon | Head of Commercial & Wealth |
Dave Shotwell | Chief Risk Officer |
Michael Young | SunTrust |
Steven Alexopoulos | JPMorgan |
Aaron Deer | Sandler O'Neill & Partners |
Matthew Clark | Piper Jaffray |
Jared Shaw | Wells Fargo Securities |
Jeff Rulis | D. A. Davidson |
David Chiaverini | Wedbush Securities |
Jackie Bohlen | KBW |
Brian Zabora | Hovde Group |
Tyler Stafford | Stephens |
Good day and welcome to the Umpqua Holdings Corporation Fourth Quarter Earnings Call. Today’s call is being recorded. At this time, I would like to turn the conference over to Mr. Ron Farnsworth, CFO. Please go ahead, sir.