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 |
Steven Alexopoulos | JP Morgan |
Michael Young | SunTrust |
Jeff Rulis | D.A. Davidson |
Jared Shaw | Wells Fargo Securities |
Tylor Stafford | Stephens |
Jackie Bohlen | KBW |
David Chiaverini | Wedbush |
Hello, and welcome to the Umpqua Holdings Corporation Fourth Quarter 2019 Earnings Call. All lines are in a listen only mode.
However, we will be conducting a Q&A session at the end of the call.
As a reminder, this conference is being recorded.
At this time, I would like to turn the conference over to Mr.