Ladies and gentlemen, thank you for standing by, and welcome to the Q1 2020 Valley National Bancorp Earnings Conference Call. Presenting on behalf of Valley today are President and CEO, Ira Robbins; Chief Financial Officer, Mike Hagedorn; and Chief Banking Officer, Tom Iadanza. Additionally, I would like to highlight slide two of our earnings presentation and remind you that comments made during this call may contain forward-looking statements relating to Valley National Bancorp, the banking industry, and the impact of the COVID-19 pandemic.

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Valley National (VLY) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

VLY earnings call for the period ending June 30, 2019.