David Patti | Communication and Marketing Director |
Jay Sidhu | Executive Chairman |
Sam Sidhu | Vice Chairman, President & CEO |
Carla Leibold | Chief Financial Officer |
Casey Haire | Jefferies |
Peter Winter | Wedbush Securities |
Michael Perito | KBW |
Steve Moss | B. Riley Securities |
Frank Schiraldi | Piper Sandler |
Good day. Thank you for standing by and welcome to the Customers Bank 2021 Fourth Quarter and Year-End 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. To ask a question during the session, [Operator Instructions].