David Gonci | Capital Markets Director |
Richard Marotta | CEO |
James Moses | CFO |
Sean Gray | President |
Georgia Melas | Chief Credit Officer |
Mark Fitzgibbon | Sandler O’Neill & Partners LP |
David Bishop | D.A. Davidson Companies |
Collyn Gilbert | Keefe Bruyette & Woods Inc. |
Laurie Hunsicker | Compass Point Research & Trading, LLC |
Good morning and welcome to the Berkshire Hills Bancorp Fourth Quarter Earnings Release Conference Call. All participants will be in listen only mode. [Operator Instructions] After today’s presentation there will be an opportunity to ask questions. [Operator Instructions] Please note, this event is being recorded.
I would now like to turn the conference over to Dave Gonci, Capital Markets Director.