Banner Corporation

Good day and welcome to the Banner Corporation's first quarter 2020 conference call and webcast. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on a touchstone phone. To withdraw your question, please press star then two. Please note, this event is being recorded. I would now like to turn the conference over to Mark Grescovich, President and Chief Executive Officer. Please go ahead, sir.

Thank you, Rocco, and good morning, everyone. I would also like to welcome you to the first quarter 2020 earnings call for Banner Corporation. As is customary, joining me on the call today is Rick Barton, our Chief Credit Officer, Peter Conner, our Chief Financial Officer, Bill Rice, our Chief Commercial Credit Officer, and Rich Arnold, our Head of Investor Relations. Rich, would you please read our forward-looking safe harbor statement?

Sure, Mark. Good morning. Our presentation today discusses Banner's business outlook and will include forward-looking statements. Those statements include descriptions of management's plans, objectives, or goals for future operations, products, or services. and many more. and a recently filed Form 10-K for the year ended December 31st, 2019. Forward-looking statements are effective only as of the date they are made and Banner assumes no obligation to update information concerning its expectations.