Andrew Hersom | SVP, IR |
John Barnes | Chairman & CEO |
David Rosato | Senior EVP & CFO |
Jeffrey Tengel | President |
Kenneth Zerbe | Morgan Stanley |
Casey Haire | Jefferies |
Steven Alexopoulos | JPMorgan Chase & Co. |
Jared Shaw | Wells Fargo Securities |
Brocker Vandervliet | UBS Investment Bank |
Collyn Gilbert | KBW |
Matthew Breese | Piper Jaffray Companies |
David Bishop | FIG Partners |
Good day, ladies and gentlemen, and welcome to the People's United Financial, Inc. Fourth Quarter and Full Year 2018 Earnings Conference Call. My name is Chelsea and I will be your coordinator for today. [Operator Instructions].
As a reminder, this conference is being recorded for replay purposes.