Bancorp, Inc. (NASDAQ:TBBK) Q4 2019 Earnings Conference Call January 31, 2020 8:00 AM ET Company Participants Damian Kozlowski - CEO, President & Director Paul Frenkiel - EVP, Strategy, Secretary & CFO Andres Viroslav - Director, IR Conference Call Participants William Wallace - Raymond James & Associates Frank Schiraldi - Piper Sandler & Co. Operator Ladies and gentlemen, thank you for standing by, and welcome to The Bancorp, Inc. Fourth Quarter 2019 Earnings Conference Call. [Operator Instructions]. I wou ...