Susan Caudle | Secretary and Investor Relations Officer |
Malcolm Holland | Chairman and Chief Executive Officer |
Terry Earley | Chief Financial Officer |
Clay Riebe | Chief Credit Officer |
Michael Rose | Raymond James |
Brad Milsaps | Piper Sandler |
Matt Olney | Stephens |
Woody Lay | KBW |
Gary Tenner | D.A. Davidson |
Good day, and welcome to the Veritex Holdings Third Quarter 2020 Earnings Conference Call and Webcast. All participants will be in a listen-only mode. Please note, this event is being recorded. I will now turn the conference over to Ms. Susan Caudle, Investor Relations Officer and Secretary to the Board of Veritex Holdings.