...Unidentified Participant Next up this afternoon is Western Alliance Bancorp. Western Alliance is an $83 billion bank headquartered in Phoenix, that has undergone a deliberate business transformation since 2010. Today, the company operates a national commercial bank in attractive regional markets as well as several specialty business lines. This diversified business model allows the flexibility to sustain risk-adjusted returns. Over the last year, loans have increased almost $4 billion and deposit growth an impressive $18.8 billion and about 1/3 of deposits today are noninterest bearing. With us today, we have Dale Gibbons, the Vice Chairman of Western Alliance. Dale has been the CFO as well since May of 2003, and he has more than 30 years of experience in commercial banking, including serving as the Chief Financial Officer and Secretary of the Board of Zions Bank. So with that, I'll turn it over to Dale, who will make a 10-ish minute presentation, then we'll do some Q&A, and then open it...
