Q4 2019 Sterling Bancorp Inc Earnings Call Transcript
Good afternoon, and welcome to the Sterling Bancorp Inc. Fourth Quarter and Year-End 2019 Earnings Conference Call. My name is Sean, and I will be your operator today. (Operator Instructions) This call is being recorded and will be available for replay through February 12, 2020, starting this afternoon at approximately 1 hour after the completion of this call.
I would now like to turn the conference over to Mr. Larry Clark, Investor Relations for the company. Please go ahead, Mr. Clark.
Thank you, Sean, and good afternoon, everyone. Thanks for joining us today to discuss Sterling Bancorp's financial results for the fourth quarter and year ended December 31, 2019. Joining us today from Sterling's management team are Tom Lopp, Chairman, CEO and President; Steve Huber, Chief Financial Officer and Treasurer; and Michael Montemayor, President of Retail and Commercial Banking and Chief Lending Officer, who will be participating in the Q&A portion of the call. Tom and Steve will discuss the financial results,
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