Operator Good morning, ladies and gentlemen, and welcome to the Southside Bancshares, Inc. Fourth Quarter and Year End 2020 Earnings Call. [Operator Instructions] Later, we will contact a question-and-answer session, and instructions will follow at that time. [Operator Instructions] As a reminder, this conference is being recorded. I would now like to turn the conference over to your host, Ms. Lindsey Bailes, Vice President, Investor Relations. Please go ahead. Lindsey Bailes -- Vice President, Investor Relations Thank you, Tiffany. Good morning, everyone and welcome to Southside Bancshares' fourth quarter and year end 2020 earnings call. A transcript of today's call will be posted on southside.com under Investor Relations. During today's call and other disclosures and presentations, I will remind you that any forward-looking statements are subject to risks and uncertainties. Factors that could materially change our current forward-looking assumptions are described in our earnings release and our Form 10-K.