Irene H. Oh - Chief Financial Officer, Principal Accounting Officer, Executive Vice President, Chief Financial Officer of the Bank and Executive Vice President of the Bank Julia Gouw - Vice Chairman, President, Chief Operating Officer, Member of Executive Committee, Vice Chairman of East West Bank, President of East West Bank and Chief Operating Officer of East West Bank Kelly Adams - Dominic Ng - Chairman of the Board, Chief Executive Officer, Member of Executive Committee, Chairman of East West Bank and Chief Executive Officer of East West Bank Analysts Aaron James Deer - Sandler O'Neill + Partners, L.P., Research Division Jennifer H. Demba - SunTrust Robinson Humphrey, Inc., Research Division Gary P. Tenner - D.A. Davidson & Co., Research Division William Christian Stulpin - Raymond James & Associates, Inc., Research Division Brett D. Rabatin - Sterne Agee & Leach Inc., Research Division Herman Chan - Wells Fargo Securities, LLC, Research Division David Rochester - Deutsche Bank AG, Research Division Julianna Balicka - Keefe, Bruyette, & Woods, Inc., Research Division Lana Chan - BMO Capital Markets U.S. PresentationOperator Good morning, everyone, and welcome to East West Bancorp Fourth Quarter 2011 Earnings Conference Call. [Operator Instructions] Please also note that today's event is being recorded. At this time I would like to turn the conference call over to Ms. Kelly Adams. Ms. Adams, please go ahead. Kelly Adams Good morning, and thank you for joining us to review the financial results of East West Bancorp for the fourth quarter of 2011. Here to review the results are Dominic Ng, Chairman and Chief Executive Officer; Julia Gouw, President and Chief Operating Officer; and Irene Oh, Executive Vice President and Chief Financial Officer. We will then open the call to questions.