Thanks, Dominic, and thank you to everyone for joining us on the call. Consistent with our historical practice, our comments today will be a little longer than usual as they include our outlook for 2020. For your reference, we have also provided additional information on the fourth quarter full year 2019 and 2020 outlook in the earnings supplement posted on our website. I will briefly touch on Q4 and full year 2019 results and then turn the call over to Dominic to walk through the details of the 2020 outlook. As always, upon the conclusion of our prepared remarks, our team will be happy to answer any questions that you may have.

We are very pleased to report that Q4 2019 was another strong quarter for WSFS with core earnings per share of $0.96 and core ROA of 1.63%. Our results in the quarter were driven by solid revenue generation in both our spread and fee businesses, combined with disciplined noninterest expense management. Highlights also included a 40% reduction in our nonperforming loans, resulting from the positive resolution of our largest NPL. This performance in the fourth quarter contributed to full year 2019 results of a core earnings per share of $3.74 and a core ROA of 1.61%. As outlined in Pages 10 and 11 of the earnings supplement, our results for the year exceeded our original expectations and reflected strong operating performance, combined with the successful integration of Beneficial.

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