Vernon W. Hill | Chairman and President of Commerce Bank |
Frank A. Cavallaro | Executive Vice President and Chief Financial Officer |
Frank Schiraldi | Piper Sandler & Co. |
Michael Schiavone | KBW |
Doug Stephens | Morgan Stanley |
Welcome to the Fourth Quarter 2020 Earnings Conference Call. My name is Janiya, and I'll be your operator for today's call. [Operator Instructions] Please note that this conference is being recorded. I will now turn the call over to Vernon Hill. Mr.