Andres Viroslav | Investor Relations |
Damian Kozlowski | Chief Executive Officer |
Paul Frenkiel | Chief Financial Officer |
William Wallace | Raymond James |
Frank Schiraldi | Sandler O'Neill |
Matthew Breese | Piper Jaffray |
Good day, ladies and gentlemen, and welcome to The Bancorp's Fourth Quarter and Full Year 2018 Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will be given at that time. [Operator Instructions] As a reminder, today's conference is being recorded. I would now like to turn the call over to Mr.