In a stunning reversal, the spurned bidder for 1st Mariner Bank got approval Tuesday to purchase it — preserving the city's largest independent bank as a Baltimore-based institution..
Operator
Good morning, and welcome to the Howard Bancorp, Inc. Fourth Quarter and Full Year 2020 Financial Results Conference Call. My name is Doug, and I ll be your operator today. Please note, this conference call is being recorded. [Operator Instructions] I would now like to turn it over to Robert L. Carpenter, Executive Vice President and Chief Financial Officer of Howard Bancorp, Inc. Mr. Carpenter, you may begin.
Robert L. Carpenter Jr.,
Executive Vice President and Chief Financial Officer
Thank you, Doug. Good morning. I would like to begin by thanking everyone for joining the call this morning. Again, my name is Bob Carpenter, and I am the Chief Financial Officer here at Howard Bancorp. Before we begin the presentation, I d like to simply remind everyone that some of the comments made during this call would be considered forward-looking statements. In the interest of time, instead of reading through all those warnings, I would direct everyone to page two of our earning