Preferred Bank ( PFBC) Q4 2010 Earnings Call January 31 2011 5:00 p.m. ET Executives Lasse Glassen - IR, Financial Relations Board Li Yu - Chairman, President & CEO Ed Czajka - CFO Louie Couto - EVP Analysts Aaron Deer - Sandler O’Neill & Partners Joe Morford - RBC Capital Markets Joe Gladue - B. Riley Julianna Balicka - KBW Michael Howard - AllianceBernstein John Deysher – Pinnacle PresentationOperator
Good afternoon, ladies and gentlemen. Thank you for standing by. Welcome to the Preferred Bank fourth quarter 2010 conference call. During today’s presentation all participants will be in a listen-only mode. Following the presentation the conference will be opened for questions. (Operator Instructions) This conference is being recorded today, Monday, January 31, 2011. And at this time, I would now like to turn the conference over to Lasse Glassen with Financial Relations Board. Please go ahead, sir. Lasse Glassen Thank you. Good day, everyone. And thanks for joining us to discuss Preferred Bank's preliminary results for the fourth quarter ending December 31, 2010. With us today from management are Mr. Li Yu, Chairman, President, and Chief Executive Officer, Ed Czajka, Chief Financial Officer, and Louie Couto, Executive Vice President. Management will provide a brief summary of the quarter and then we will answer your questions. During the course of this conference call, statements made by management may include forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are based upon specific assumptions that may or may not prove correct. Forward-looking statements are also subject to known and unknown risks, uncertainties and other factors relating to Preferred Bank’s operations and business environment, all of which are difficult to predict and many of which are beyond the control of Preferred Bank.