Operator Good day and welcome to the Banner Corporation's 4Q 2020 Conference Call and Webcast. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] I would now like to turn the conference over to Mark Grescovich, President and Chief Executive Officer of Banner Corporation. Please go ahead. Mark J. Grescovich -- President & Chief Executive Officer Thank you, Sarah, and good morning, everyone. I would also like to welcome you to the fourth quarter and full-year 2020 earnings call for Banner Corporation. As is customary, joining me on the call today is Peter Conner, our Chief Financial Officer; Jill Rice, our Chief Credit Officer; and Rich Arnold, our Head of Investor Relations.