Sal DiMartino | Director, IR |
Thomas Cangemi | President & CEO |
John Pinto | CFO |
Robert Wann | COO |
Ebrahim Poonawala | Bank of America Securities |
Mark Fitzgibbon | Piper Sandler |
Chris McGratty | KBW |
Brock Vandervliet | UBS |
Steven Alexopoulos | J.P. Morgan |
Steve Moss | B. Riley Securities |
Ken Zerbe | Morgan Stanley |
Dave Rochester | Compass Point |
Peter Winter | Wedbush Securities |
Steven Duong | RBC Capital Markets |
Matthew Breese | Stephens, Inc. |
Christopher Marinac | Janney Montgomery Scott |
Good morning, everyone. This is Sal DiMartino, Director of Investor Relations. Thank you for joining the management team of New York Community Bancorp for today's conference call. Today's discussion of the company's fourth quarter and full-year 2020 performance will be led by President and Chief Executive Officer, Thomas Cangemi; and Chief Financial Officer, John Pinto, together with Chief Operating Officer, Robert Wann. Today's release includes a reconciliation of certain GAAP and non-GAAP financial measures that may be discussed during this call.