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Operator Good day, and welcome to the UMB Financial Fourth Quarter and Full Year End 2020 Financial Results Conference Call. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Kay Gregory. Please go ahead. Kay Gregory -- Investor Relations Good morning, and welcome to our fourth quarter and year end 2020 call. Mariner Kemper, President and CEO, and Ram Shankar, CFO, will share a few comments about our results. Jim Rine, CEO of UMB Bank, and Tom Terry, Chief Credit Officer, will also be available for the question-and-answer sessi...

Operator Good morning and welcome to Umpqua Holdings Corporation Fourth Quarter Earnings Call. I will now turn the call over to Ron Farnsworth, Chief Financial Officer. Ronald L. Farnsworth -- Executive Vice President and Chief Financial Officer Okay. Thank you, Chris. Good morning and thank you for joining us today on our fourth quarter 2020 earnings call. With me this morning are Cort O'Haver, the President and CEO of Umpqua Holdings Corporation; Tory Nixon, President of Umpqua Bank; and Frank Namdar, our Chief Credit Officer. After our prepared remarks, we will then take questions. Yester...

Operator Ladies and gentlemen, thank you for standing by and welcome to the BankUnited, Inc., Fourth Quarter and Fiscal Year 2020 Earnings Conference Call. [Operator Instructions] Please be advised that today's conference is being recorded. [Operator Instructions] I would now like to hand the conference over to your speaker today, Susan Greenfield, Corporate Secretary. Please go ahead, ma'am. Susan Wright Greenfield -- Investor Relations, Corporate Secretary Thank you, Victor. Good morning and thank you for joining us today on our fourth quarter and fiscal year 2020 results conference call. ...

Operator Welcome to Signature Bank's 2020 Fourth Quarter and Fiscal Year-End Results Conference Call. Hosting the call today from Signature Bank are Joseph J. DePaolo, President and Chief Executive Officer; and Eric R. Howell, Senior Executive Vice President, Corporate and Business Development. [Operator Instructions] It is now my pleasure to turn the floor over to Joseph J. DePaolo, President and Chief Executive Officer, you may begin. Joseph J. DePaolo -- President and Chief Executive Officer Thank you, Laurie. Good morning and thank you for joining us today for the Signature Bank 2020 fou...

Operator Please stand by. Greetings and welcome to First Republic Bank's fourth-quarter and full-year 2020 earnings conference call. Today's conference is being recorded. [Operator instructions] Following the presentation, the conference will be open for questions. [Operator instructions] I would now like to turn the call over to Mike Ioanilli, vice president and director of investor relations. Please go ahead. Mike Ioanilli -- Vice President and Director of Investor Relations Thank you, and welcome to the First Republic Bank's fourth-quarter 2020 conference call. Speaking today will be Jim ...