Operator: Good morning ladies and gentlemen and welcome to the First Quarter 2024 CVB Financial Corporation and its subsidiary Citizens Business Bank Earnings Conference Call.
Operator: Good morning, ladies and gentlemen, and welcome to the Second Quarter 2023 CVB Financial Corporation and its subsidiary Citizens Business Bank Earnings Conference Call.
Operator: Good morning, ladies and gentlemen, and welcome to the Fourth Quarter and Year Ended 2022 CVB Financial Corporation and its subsidiary Citizens Business Bank Earnings Conference Call.