Robert Ramsey | Director of IR & Strategic Planning |
Jay Sidhu | Chairman & CEO |
Dick Ehst | Chief Operating Officer |
Carla Leibold | Chief Financial Officer |
Luvleen Sidhu | Co-Founder, President & Chief Strategy Officer |
Michael Perito | KBW |
Frank Schiraldi | Sandler O’Neill & Partners |
Steve Moss | B. Riley FBR |
Russell Gunther | D.A. Davidson |
Elise Mochizuki | Akemi Capital |
Bill Dezellem | Tieton Capital Management |
Good morning and welcome to the First Quarter 2019 Customers Bancorp Earnings Call. Today's call is being recorded. At this time, I would like to turn the call over to Mr. Bob Ramsey, Director Investor Relations for Customers Bancorp. Please go ahead sir.