Good morning and welcome to Great Western Bancorp's Fourth Quarter and Full Fiscal Year 2019 Earnings Conference Call. [Operator Instructions]
Joining the call this morning is Ken Karels, Chairperson, President and Chief Executive Officer; Doug Bass, Chief Operating Officer; Peter Chapman, Chief Financial Officer; Karlyn Knieriem, Chief Risk Officer; Michael Gough, Senior Vice President Credit; and Michael Doyle, Interim Chief Credit Officer.
Before getting started, Great Western will like to remind you that today's presentation may contain forward-looking statements that are subject to certain risks and uncertainties that could cause Company's actual future results to materially differ from those discussed. Please refer to the forward-looking statement disclosures contained in the presentation on the company's website, as well as their periodic SEC filings for a full discussion of the company's risk factors.