F. Morgan Gasior | Chairman & Chief Executive Officer |
David Konrad | DA Davidson |
Brian Martin | Jamie Montgomery |
Good morning ladies and gentlemen, and welcome to the BankFinancial Corp, Q4, and year-to-date 2020 review. At this time all participants are in a listen only mode. Later we will conduct a question and answer session and instructions will follow at that time. [Operator Instructions] As a reminder this conference call is being recorded. I would now like to turn the conference over to your host F.