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Operator
Ladies and gentlemen, thank you for standing by, and welcome to the First Citizens BancShares Q4 Earnings Conference Call. [Operator Instructions]. As a reminder, today s conference is being recorded.
I would now like to introduce host of this conference call, Mr. Tom Heath, Director of Investor Relations. You may begin.
Thomas Heath
Director of Investor Relations
Thank you, Angie. Good morning and thank you so much for joining us. It is my pleasure to introduce our Chairman and Chief Executive Officer, Frank Holding, as well as our Chief Financial Officer, Craig Nix, who will provide an overview of our results, after which, we will be happy to take any questions you may have. We are also pleased to have several other members of the team with us as well, including our Chief Risk Officer, Lorie Rupp; our Chief Credit Officer, Jim Bryan; our Treasurer, Tom Eklund; our Chief Accounting Officer, Robert Holly; our Head of Analysis and M&A, Elliot Howard; ....

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