Randall Chesler | President, CEO & Director |
Ronald Copher | EVP, CFO & Secretary |
Tom Dolan | Chief Credit Administrator |
Jeffrey Rulis | D.A. Davidson & Co. |
Michael Young | Truist Securities |
Jackie Bohlen | KBW |
Matthew Clark | Piper Sandler & Co. |
Good afternoon, ladies and gentlemen, and welcome to the Glacier Bancorp Fourth Quarter Earnings Conference Call. [Operator Instructions]. I would now like to turn the conference over to your host, Mr. Randy Chesler, President and CEO. Please go ahead.