James Abbott | IR |
Harris Simmons | Chairman and CEO |
Paul Burdiss | CFO |
Scott McLean | President and COO |
Michael Morris | Chief Credit Officer |
Ed Schreiber | Chief Risk Officer |
Dave Rochester | Deutsche Bank |
John Pancari | Evercore |
Ken Zerbe | Morgan Stanley |
Erika Najarian | Bank of America |
Steven Alexopoulos | JP Morgan |
Jennifer Demba | SunTrust |
Geoffrey Elliott | Autonomous Research |
Christopher Spahr | Wells Fargo |
Steve Moss | B. Riley FBR |
Marty Mosby | Vining Sparks |
Donald Koch | Koch Investments |
Lana Chan | BMO Capital Markets |
Brock Vandervliet | UBS |
Good day, ladies and gentlemen, and thank you for your patience.
You’ve joined the Zions Bancorporation's Third Quarter 2018 Earnings Results Webcast. At this time, all participants are in a listen-only mode. Later, we will conduct the question-and-answer session and instructions will be given at that time. [Operator Instructions] As a reminder, this conference maybe recorded.