Simone Lagomarsino | CEO, President & Director |
Laura Tarantino | EVP & CFO |
Gary Tenner | D.A. Davidson |
Matthew Clark | Piper Sandler |
Woody Lay | KBW |
Good morning, and welcome to the Luther Burbank Corporation's Fourth Quarter 2021 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] After today's presentation, there will be opportunity for analysts covering Luther Burbank Corporation to ask the question. [Operator Instructions] Before we begin, the company would like to remind you that discussions during this call contain forward-looking statements made under the Safe Harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995.