Dave Brager | Chief Executive Officer |
Allen Nicholson | Executive Vice President and Chief Financial Officer |
Christina Carrabino | Investor Relations |
Matthew Clark | Piper Sandler |
David Feaster | Raymond James |
Gary Tenner | D.A. Davidson |
Kelly Motta | KBW |
Tim Coffey | Janney |
Good morning, ladies and gentlemen. And welcome to the Fourth Quarter and Year-ended 2021, CVB Financial Corporation and its subsidiary, Citizens Business Bank Earnings Conference Call. My name is Michelle and I'm the Operator for today. At this time, all participants are in listen-only mode. Later we will conduct a question and answer period.