Kevin Cummings | Chairman & Chief Executive Officer |
Sean Burke | Chief Financial Officer |
Domenick Cama | President & Chief Operating Officer |
Dave Rochester | Deutsche Bank |
Mark Fitzgibbon | Sandler O'Neill & Partners |
Matthew Keating | Barclays |
Laurie Hunsicker | Compass Point |
Brody Preston | Piper Jaffray |
Good morning, and welcome to the Investors Bancorp Fourth Quarter Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity to ask question. [Operator Instructions] We'll begin this morning's call with the company's standard forward-looking statement disclosure. On this call, representatives of Investors Bancorp Inc may make some forward-looking statements with respect to its financial position, results of operations and business.