Rick Kraemer | IR |
Ira Robbins | President & CEO |
Alan Eskow | Senior EVP & CFO |
Ken Zerbe | Morgan Stanley |
Frank Schiraldi | Sandler O'Neill |
Austin Nicholas | Stephens |
Steven Alexopoulos | JP Morgan |
Collyn Gilbert | KBW |
Matthew Breese | Piper Jaffray |
David Chiaverini | Wedbush Securities |
Arren Cyganovich | Citi |
Good day ladies and gentlemen, and thank you for standing by. We welcome you to the Valley National Bancorp's Fourth Quarter 2018 Earnings Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will follow at that time. [Operator Instructions] I’d now like to turn the conference over to Rick Kraemer, Investor Relations Officer.