Steve Huber | Chief Financial Officer and Treasurer |
Tom O'Brien | Chairman, Chief Executive Officer, and President |
Ben Gerlinger | Hovde Group |
Nick Cucharale | Piper Jaffray |
Anthony Polini | American Capital Partners |
Good day, everyone, and welcome to the Sterling Bancorp, Inc. Fourth Quarter 2020 Conference Call. All participants will be in listen-only mode. [Operator Instructions] Please note this event is being recorded. I'd like to turn the conference call over to Steve Huber, Chief Financial Officer and Treasurer.