Kay Gregory | Director, IR & SVP |
Mariner Kemper | Chairman, President & CEO |
Ram Shankar | EVP & CFO |
Thomas Terry | EVP & Chief Credit Officer |
James Rine | President, CEO & Director |
Ebrahim Poonawala | Bank of America Merrill Lynch |
John Rodis | FIG Partners |
David Long | Raymond James & Associates |
Christopher McGratty | KBW |
Timur Braziler | Wells Fargo Securities |
Nathan Race | Piper Sandler & Co. |
Welcome to the UMB Financial Corp.
First Quarter 2020 Earnings Conference Call. [Operator Instructions]. Please note, this event is being recorded. I would now like to turn the conference over to Kay Gregory with Investor Relations.