Heritage Financial Corporation (NASDAQ:HFWA) Q4 2020 Earnings Conference Call January 28, 2021 2:00 PM ET Company Participants Jeff Deuel - President and CEO Don Hinson - Chief Financial Officer Tony Chalfant - Chief Credit Officer Bryan McDonald - Executive VP & COO Conference Call Participants Matthew Clark - Piper Sandler Jeff Rulis - D.A. Davidson Jackie Bohlen - KBW Operator Ladies and gentlemen, thank you for standing by. Welcome to the Heritage Financial Earnings Conference Call. At this time, your t ...