Luther Burbank Corporation (LBC) CEO Simone Lagomarsino on Q4 2019 Results - Earnings Call Transcript

Luther Burbank Corporation (LBC) Q4 2019 Earnings Conference Call January 29, 2020 11:00 AM ET

Company Participants

Simone Lagomarsino - President & Chief Executive Officer
Laura Tarantino - Chief Financial Officer
John Cardamone - Chief Credit Officer

Conference Call Participants

Jackie Bohlen - KBW
James Kerr - D.A. Davidson

Operator

Good morning, and welcome to the Luther Burbank Corporation Fourth Quarter 2019 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity for analyst covering Luther Burbank Corporation to ask questions. [Operator Instructions]

Before we begin, I would like to remind everyone that some of the comments made during this call maybe considered forward-looking statements. The company's Form 10-K for the 2018 fiscal year its quarterly reports on Form 10-Q and current reports on Form 8-K identify certain factors that could cause the company's actual results to differ materially from those projected in any forward-looking statements made this morning.

The company does not undertake to update any forward-looking statements as a result of new information or future events or developments. The company's periodic reports are available from the company or online on the company's website or the SEC's website.

I would like to remind you that while the company's management thinks the company's prospects for performance are good, it is the company's policy not to establish with the markets any earnings, margin or balance sheet guidance.

I would now like to turn the conference over to Simone Lagomarsino, President and CEO. Please go ahead.

Simone Lagomarsino

Thank you very much. Good morning, and welcome to the Luther Burbank Corporation 2019 Fourth Quarter Conference Call. This is Simon Lagomarsino, President and Chief Executive Officer. And with me are Laura Tarantino, our Chief Financial Officer; and John Cardamone, our Chief Credit Officer.