Timothy Schools | President and Chief Executive Officer |
Denis Duncan | Chief Financial Officer |
Christopher Tietz | Chief Credit Officer |
Graham Dick | Piper Sandler & Co. |
Jennifer Demba | Truist Securities, Inc. |
Catherine Mealor | Keefe, Bruyette, & Woods, Inc. |
William Dezellem | Tieton Capital Management LLC |
Good morning, ladies and gentlemen, and welcome to CapStar Financial Holdings Fourth Quarter 2020 Earnings Conference Call. Hosting the call today from CapStar are Tim Schools, President and Chief Executive Officer; Denis Duncan, Chief Financial Officer; and Chris Tietz, Chief Credit Officer. Please note that today's call is being recorded and will be made available for replay on CapStar's website. Please note that CapStar's earnings release, the presentation materials that will be referred to in this call and the Form 8-K that CapStar filed with the SEC are available on the SEC's website at www.sec.gov and the Investor Relations page of CapStar's website at www.ir.capstarbank.com. Also, during this presentation, CapStar may make certain comments that constitute forward-looking statements within the meaning of the federal securities laws.