Ladies and gentlemen, thank you for standing by, and welcome to the Bank OZK Fourth Quarter 2019 Earnings Conference Call. [Operator Instructions]
I would now like to hand the conferrence over to your speaker today Mr. Tim Hicks, Chief Administrative Officer. Please go ahead, sir.
Good morning. I'm Tim Hicks, Chief Administrative Officer and Executive Director of Investor Relations for Bank OZK. Thank you for joining our call this morning and participating in our question-and-answer session. In today's Q&A discussion, we may make forward-looking statements about our expectations, estimates and outlook for the future. Please refer to our earnings release, management comments and other public filings for more information on the various factors and risks that may cause actual results or outcomes to vary from those projected in or implied by such forward-looking statements.
Joining me on the call to take your questions are George Gleason, Chairman and CEO; and Greg McKinney, Chief Financial Officer.
We will now open up the lines for your questions. Let me ask our operator, Liz to remind our listeners how to queue in for questions.
Chief Administrative Officer and Executive Director of Investor Relations
Chairman and Chief Executive Officer
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