Tim Hicks | Chief Administrative Officer & Executive Director, IR |
George Gleason | Chairman & CEO |
Greg McKinney | CFO |
Brannon Hamblen | President & COO, Real Estate Specialties Group |
Ken Zerbe | Morgan Stanley |
Timur Braziler | Wells Fargo |
Matt Olney | Stephens |
Catherine Mealor | KBW |
Brian Martin | Janney Montgomery Scott |
Stephen Scouten | Piper Sandler |
Arren Cyganovich | Citi |
Ladies and gentlemen, thank you for standing by, and welcome to the Bank OZK Fourth Quarter 2020 Earnings Conference Call. At this time, all participants’ lines are in a listen-only mode. After the speakers presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today’s conference is being recorded. [Operator Instructions] I’ll now handle the conference over to your speaker today, Mr.