Eagle Bancorp, Inc.

Just to make sure no one was falling asleep.

Hello and welcome to the Eagle Bancorp, Inc. first quarter 2021 earnings call. Please note that today's meeting is being recorded. During the meeting, we will have a question and answer session. You can submit questions by pressing star 1 on your telephone keypads. It is now my pleasure to turn today's meeting over to Chief Financial Officer Charles Levingston. Please go ahead.

Thank you, Shalon. Good morning. This is Charles Levison, Chief Financial Officer of Eagle Bancorp. Before we begin the presentation, I would like to remind everyone that some of the comments made during this call may be considered forward-looking statements. While our growth and performance over this past quarter has been positive, we cannot make any promises about future performance, and it is our policy not to establish with the markets any formal guidance with respect to our earnings. None of the forward-looking statements made during this call should be interpreted as our providing Form 10-K for the 2020 fiscal year. Our quarterly reports on Form 10-Q and current reports on Form 8-K identify certain factors that could cause the company's actual results to differ materially from those projected in any forward-looking statements made this morning. EGLE Bancorp does not undertake to update any forward-looking statements as a result of new information or future events or developments unless required by law. This morning's commentary will include non-GAAP financial information. The earnings release, which is posted in the investor relations section of our website and filed with the SEC, contains reconciliations of this information to the most directly comparable GAAP information. Our periodic reports are available from EGLE online at our website or the SEC's website. This morning, Susan Riel, the president and CEO of Equal Bank Corp., will start us off with a high-level overview. Then Jan Williams, our chief credit officer, will discuss her thoughts on loans and credit quality matters. Then I'll return to discuss our financials in more detail. At the end, all three of us will be available to take questions. I would now like to turn it over to our president and CEO, Susan Riel.