 Joining the call and sharing prepared remarks, we have Mark Borrecco, president and chief executive officer; Peter Chapman, chief financial officer; Steve Yose, chief credit officer; and also with us for -- particularly for the QA portion, we have Doug Bass, our chief operating officer; and Karlyn Knieriem, chief risk officer. Before getting started, wed like to remind you that todays presentation may contain forward-looking statements that are subject to certain risks and uncertainty that could cause the companys actual future results to materially differ from those discussed. 