Courtney Theriot | Senior VP & Manager of Financial Reporting |
Steve Retzloff | CEO & Director |
Ray Vitulli | President & Director |
Paul Egge | Executive VP & CFO |
Okan Akin | Executive VP & Chief Risk Officer |
Shanna Kuzdzal | Executive Vice President and General Counsel |
Brad Milsaps | Piper Sandler |
Brady Gailey | KBW |
Matt Olney | Stephens Inc |
David Feaster | Raymond James |
John Rodis | Janney |
Ladies and gentlemen, thank you for standing by, and welcome to the Q4 2020 Allegiance Bancshares, Inc. Earnings Conference Call. [Operator Instructions] Please be advised that today's conference is being recorded. [Operator Instructions] I would now like to hand the conference over to your speaker today, Courtney Theriot. Please go ahead, ma'am.