Kay Gregory | executive |
J. Kemper | executive |
Ram Shankar | executive |
Timur Braziler | analyst |
Christopher McGratty | analyst |
Jared David Shaw | analyst |
Terry McEvoy | analyst |
David Long | analyst |
Ladies and gentlemen, thank you for standing by. Welcome to the UMB Financial Conference Call. [Operator Instructions]
I would now like to hand the conference call over to our host Kay Gregory, Investor Relations. Please go ahead.