RBB Bancorp

Good day, everyone, and welcome to the RBB Bancorp Earnings Conference call for the fourth quarter and full year 2021. At this time, all participants are in a listen-only mode. Later, you will have an opportunity to ask questions during the question-and-answer session. You may register to ask a question at any time by pressing the star and 1 on your touchtone phone. Please note this call may be recorded, and I will be standing by should you need any assistance. I would now like to turn the conference over to Catherine Way.

Thank you. Good day, everyone, and thank you for joining us to discuss RBB Bancorp's financial results for the fourth quarter of 2021. With me today for management are President and CEO Alan Tian, EVP and Chief Financial Officer David Morris, EVP and Chief Credit Officer Jeffrey Yeh, and EVP and Chief Risk Officer Vincent Liu. Management will provide a brief summary of the results, which can be found in the earnings press release that is available on our investor relations website, and then we'll open up the call to your questions. During this conference call, statements made by management may include forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are based upon specific assumptions that may or may not prove correct. Forward-looking statements are also subject to known and unknown risks and uncertainties and other factors relating to RBB Baincorp's operations and business environment, all of which are difficult to predict and many of which are beyond the control of the company. For a detailed discussion of these risks and uncertainties, please refer to the documents the company has filed with the SEC. If any of these uncertainties materialize or any of these assumptions prove incorrect, RBB Bancorp's results could differ materially from its expectations as set forth in these statements. The company assumes no obligation to update such forward-looking statements unless required by law. Now, I'd like to turn the call over to Alan Tian. Alan?

Thank you, Catherine. Good day, everyone, and thank you for joining us today. Royal Business Bank's excellent fourth quarter results contributed to a record year of growth and performance since 2021. Our expansion strategy has proven to be an effective driver of earnings, loan growth, improvements in our deposit franchise, and most importantly, shareholder value. Our nationwide footprint gives us the ability to focus our loan and deposit origination efforts in regions with high economic growth. Our focus on serving the financial needs of underbanked first-generation Americans gives us access to deposits and loans that have long been ignored by conventional commercial banks. And our long history of underwriting and monitoring these differentiated assets give us the confidence that we are appropriately pricing risks and addressing issues as they arise. Our recent expansion into the Hawaiian market and our announced acquisition of Gateway Bank in the San Francisco Bay Area will provide us with additional opportunities to bring our unique model to new markets. We now have a physical presence in six of our nine target markets and expect to have additional expansion opportunities to discuss in the near future. While we are pleased with our record financial results, We are also proud to have been recognized for our service to the communities in which we serve and operate. Last year, both Simon Peng, our EVP and Chief Strategic Officer, and I were appointed to national commissions to advise on community developments, and we were awarded a $1.8 million CDFI grant by the U.S. Treasury. We believe these appointments and the grant are a testament to the work we do in the communities we serve. With that, I will turn the call over to David to discuss some of the quarter's financial highlights before opening up the call for questions.