Bill Cimino | Senior Vice President, Investor Relations |
John Asbury | President, Chief Executive Officer & Director |
Rob Gorman | Executive Vice President & Chief Financial Officer |
Dave Ring | Head of Commercial Banking |
Doug Woolley | Chief Credit Officer |
Casey Whitman | Piper Sandler |
Eugene Koysman | Barclays |
Stuart Lotz | KBW |
Laurie Hunsicker | Compass Point |
William Wallace | Raymond James |
Brody Preston | Stephens Inc |
Ladies and gentlemen, thank you for standing by, and welcome to the Atlantic Union Bankshares Fourth Quarter Fiscal Year 2020 Earnings Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today's conference is being recorded. [Operator Instructions] I would now like to hand the conference over to your speaker today, Bill Cimino, Investor Relations.