John Buran | President and CEO |
Susan Cullen | Senior EVP, Treasurer and CFO |
Mike Bingold | Senior Executive Vice President, Chief Retail and Client Development Officer |
Chris O'Connell | Keefe Bruyette & Woods Inc |
Manuel Novice | D.A. Davidson |
Welcome to the Flushing Financial Corporation's Fourth Quarter 2021 Earnings Conference Call. Hosting the call today are John Buran, President and Chief Executive Officer; Susan Cullen, Senior Executive Vice President, Chief Financial Officer, and Treasurer; and Mike Bingold, Senior Executive Vice President, Chief Retail and Client Development Officer. Today's call is being recorded. After today's presentation, there will be an opportunity to ask questions. [Operator instructions].