Andrew Logue | President and Chief Operating Officer |
Vernon Hill | Chairman of the Board |
Frank Cavallaro | Executive Vice President and Chief Financial Officer |
Harry Madonna | President and Chief Executive Officer |
Frank Schiraldi | Piper Sandler |
Michael Perito | KBW |
Welcome to the Fourth Quarter 2019 Earnings Conference Call. My name is John and I will be your Operator for today's call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session. [Operator Instructions] Please note that this conference is being recorded.