David Patti | Communications and Marketing Director |
Jay Sidhu | Executive Chairman |
Sam Sidhu | Vice Chairman, President and Chief Executive Officer |
Carla Leibold | Chief Financial Officer |
Steve Moss | B. Riley Securities |
Bill Dezellem | Tieton Capital Management |
Peter Winter | Wedbush Securities |
Frank Schiraldi | Piper Sandler |
Michael Perito | KBW |
Good day and thank you for standing by. Welcome to the Customers Bancorp Incorporated Third Quarter 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] And now I would like to hand the conference over to your first speaker today, David Patti, Communications Director at Customers Bancorp.