Ron Farnsworth | Chief Financial Officer |
Cort O'Haver | President and CEO |
Tory Nixon | Chief Banking Officer |
Rilla Delorier | Chief Strategy Officer |
Dave Shotwell | Chief Risk Officer |
Frank Namdar | Chief Credit Officer |
Michael Young | SunTrust |
Jeff Rulis | D.A. Davidson & Company |
Steven Alexopoulos | JP Morgan |
Jackie Bohlen | KBW |
Aaron Deer | Sandler O'Neill |
Matthew Clark | Piper Jaffray |
Good day and welcome to the Umpqua Holdings Corporation Fourth Quarter Earnings Call. Today's conference is being recorded. At this time, I would like to turn the conference over to Mr. Ron Farnsworth, CFO. Please go ahead sir.