Operator
Good day, and welcome to the First BanCorp Fourth Quarter and Full-year 2020 Earnings Conference Call. [Operator Instructions] After today s presentation, there will be an opportunity to ask questions. [Operator Instructions]
I would now like to turn the conference over to John Pelling, Investor Relations Officer. Please go ahead.
John B. Pelling
Investor Relations Officer
Thank you, Alyssa. Good morning, everyone, and thank you for joining First BanCorp s conference call and webcast to discuss the Company s financial results for the fourth quarter and fiscal year ended 2020. Joining you today from First Bancorp are Aurelio Aleman, President and Chief Executive Officer; and Orlando Berges, Executive Vice President and Chief Financial Officer.