Mark Grescovich | President and CEO |
Peter Conner | EVP and CFO |
Richard Barton | Chief Credit Officer |
Richard Arnold | Head of IR |
Jeff Rulis | D.A. Davidson |
Aaron Deer | Piper Sandler |
Jackie Bohlen | Keefe, Bruyette & Woods |
Tim Coffey | Janney |
Good day, everyone, and welcome to the Banner Corporation’s Fourth Quarter and Full Year Conference Call and Webcast. All participants will be in a listen-only mode. [Operator Instructions]. After today’s presentation, there will be an opportunity to ask questions. [Operator Instructions].