Travis Lan | Head of Investor Relations |
Ira Robbins | President & Chief Executive Officer |
Mike Hagedorn | Chief Financial Officer |
Tom Iadanza | Chief Banking Officer |
Frank Schiraldi | Piper Sandler |
Steve Alexopoulos | JPMorgan |
Matthew Breese | Stephens |
Chris O'Connell | KBW |
Ladies and gentlemen, thank you for standing by and welcome to the Valley Fourth Quarter 2020 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speaker presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today's conference is being recorded. [Operator Instructions] I would now like to hand the conference over to your first speaker today, to Travis Lan, Head of Investor Relations.