Operator Good morning, ladies and gentlemen, and welcome to the First Quarter of 2021 CVB Financial Corporation and its subsidiary, Citizens Business Bank, Earnings Conference Call. My name is Samantha, and I am your operator for today. [Operator Instructions] I would now like to turn the presentation over to your host for today's call, Christina Carrabino. You may proceed. Christina L. Carrabino -- Principal Thank you, Samantha, and good morning, everyone. Thank you for joining us today to review our financial results for the first quarter of 2021. Joining me this morning are Dave Brager, Chief Executive Officer; and Allen Nicholson, Executive Vice President and Chief Financial Officer.