James Abbott | Director of Investor Relations |
Harris Simmons | Chairman and Chief Executive Officer |
Paul Burdiss | Chief Financial Officer |
Scott McLean | President and Chief Operating Officer |
Michael Morris | Chief Credit Officer |
Ken Zerbe | Morgan Stanley |
John Pancari | Evercore |
Jennifer Demba | SunTrust |
Erika Najarian | Bank of America |
Peter Winter | Wedbush Securities |
Steven Alexopoulos | JP Morgan |
Ken Usdin | Jefferies |
Steve Moss | B. Riley |
Brian Klock | Keefe, Bruyette & Woods |
Ladies and gentlemen, thank you for standing by, and welcome to the Zions Bancorporation's Fourth Quarter 2019 Earnings Results Webcast. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator instructions]
I would now like to hand the conference over to Director of Investor Relations, James Abbott.