Damian Kozlowski | Chief Executive Officer |
Andres Viroslav | Director, Investor Relations |
Paul Frenkiel | Chief Financial Officer |
Frank Schiraldi | Piper Sandler |
William Wallace | Raymond James |
Michael Perito | KBW |
Good day and welcome to the Fourth Quarter 2021, The Bancorp, Inc Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers presentation, there will be a question-and-answer session. [Operator Instructions] As a reminder, this call is being recorded. I would like to turn the call over to Andres Viroslav.