Vernon Hill | Chairman |
Frank Cavallaro | EVP & CFO |
Harry Madonna | CEO, President & Director |
Andrew Logue | President & COO |
Frank Schiraldi | Sandler O'Neill + Partners |
Michael Perito | KBW |
Welcome to the third quarter earnings call. My name is James. I'll be your operator for today's call. [Operator Instructions]. Also note, this conference is being recorded.