Pacific Premier Bancorp, Inc. (NASDAQ:PPBI) Q4 2021 Earnings Conference Call January 20, 2022 12:00 PM ET Company Participants Ronald Nicolas – Senior EVP & CFO Steve Gardner – Chairman, President & CEO Conference Call Participants Matthew Clark – Piper Sandler David Feaster – Raymond James Gary Tenner – D.A. Davidson Chris MacGratty – KBW Operator Hello, everybody, and a warm welcome to today's Pacific Premier Bancorp Q4 2021 Conference Call. My name is Melissa, and I will be your Operator. [Operator Ins ...