James Abbott | Director, Investor Relations |
Harris Simmons | Chairman & Chief Executive Officer |
Scott McLean | President and Chief Operating Officer |
Paul Burdiss | Chief Financial Officer |
Michael Morris | Chief Credit Officer |
Keith Maio | Chief Risk officer |
Kenneth Zerbe | Morgan Stanley |
David Rochester | Compass Point |
Ebrahim Poonawala | Bank of America |
Ken Usdin | Jefferies |
John Pancari | Evercore ISI |
Peter Winter | Wedbush Securities |
Christopher McGratty | KBW |
Gary Tenner | D.A. Davidson |
Bradley Milsaps | Piper Sandler |
David Long | Raymond James |
Steve Moss | B. Riley |
Steven Alexopoulos | JPMorgan |
Good afternoon, ladies and gentlemen, and welcome to the Zions Bancorporation's Second Quarter 2021 Earnings Results Webcast. At this time, all participants are in listen-only mode. Later, we will conduct a question-and-answer session and instructions will follow at that time. [Operator Instructions]. I would now like to turn the conference over to your host, Mr.