Operator Good morning, ladies and gentlemen, and welcome to the fourth quarter of 2020 CVB Financial Corp. and its subsidiary Citizens Business Bank earnings conference call. My name is Carmen, and I am your operator for today. [Operator Instructions] [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, Carmen, and good morning, everyone. Thank you for joining us today to review our financial results for the fourth quarter and year ended 2020. Joining me this morning are Dave Brager, Chief Executive Officer; and Allen Nicholson, Executive Vice President and Chief Financial Officer. Our comments today will refer to the financial information that was included in the earnings announcement released yesterday.