Christina Carrabino | Investor Relations |
Dave Brager | Chief Executive Officer |
Allen Nicholson | Executive Vice President & Chief Financial Officer |
Jackie Bohlen | KBW |
Gary Tenner | D.A. Davidson |
Brett Rabatin | Hovde Group |
Matthew Clark | Piper Sandler |
David Feaster | Raymond James |
Good morning ladies and gentlemen and welcome to the Fourth Quarter of 2020 CVB Financial Corp. and its subsidiary Citizens Business Bank earnings conference call. My name is Carmen and I am your operator for today. [Operator Instructions] Please note that this call is being recorded. I would now like to turn the presentation over to your host for today's call Christina Carrabino.