Stuart Lubow | executive |
Avinash Reddy | executive |
Stephen Moss | analyst |
Mark Fitzgibbon | analyst |
Manuel Navas | analyst |
Christopher O'Connell | analyst |
Matthew Breese | analyst |
Good day, and thank you for standing by. Welcome to the Dime Community Bancshares Fourth Quarter Earnings Conference Call. [Operator Instructions].
Before we begin, the company would like to remind you that discussions during this call contain forward-looking statements made under the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995.