Christina Carrabino | Investor Relations |
Chris Myers | Chief Executive Officer and President |
Allen Nicholson | Executive Vice President and Chief Financial Officer |
Jackie Bohlen | KBW |
Aaron Deer | Sandler O'Neill |
Jake Stern | D.A. Davidson |
Tim Coffey | Janney |
Good morning, ladies and gentlemen and welcome to the Fourth Quarter and Year Ended 2019 CVB Financial Corporation and its Subsidiary Citizens Business Bank Earnings Conference Call. My name is Andria and I am your operator for today. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer period. Please note this call is being recorded.