 Ladies and gentlemen, thank you for standing by, and welcome to the first-quarter 2020 Allegiance Bancshares, Inc. earnings conference call. This mornings earnings call will be led by Steve Retzloff, CEO of the company; Ray Vitulli, president of the company and CEO of Allegiance Bank; Paul Egge, executive vice president and CFO; Okan Akin, executive vice president and chief risk officer of the company and president of Allegiance Bank; and Shanna Kuzdzal, executive vice president and general counsel. 