Q4 2020 First Bancorp Earnings Call Transcript
Good day, and welcome to the First BanCorp Fourth Quarter and Full Year 2020 Earnings Conference Call. (Operator Instructions) Please note this event is being recorded.
I would now like to turn the conference over to John Pelling, Investor Relations Officer. Please go ahead.
Thank you, Elissa. Good morning, everyone, and thank you for joining First BanCorp's conference call and webcast to discuss the company's financial results for the fourth quarter and fiscal year ended 2020. Joining you today from First BanCorp are Aurelio Alemán, President and Chief Executive Officer; and Orlando Berges, Executive Vice President and Chief Financial Officer.
Before we begin today's call, it is my responsibility to inform you this comment on certain forward-looking statements such as projections of revenue, earnings and capital structure as well as statements on the plans and objectives of the company's business. The company's actual results could differ materially from forward
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