Kevin Cummings | President and Chief Executive Officer |
Sean Burke | Chief Financial Officer |
Mark Fitzgibbon | Sandler O’Neill |
Dave Rochester | Deutsche Bank |
Austin Nicholas | Stephens Inc. |
Brody Preston | Piper Jaffray |
Laurie Hunsicker | Compass Point |
Good morning and welcome to the Investors Bancorp First Quarter Earnings Conference Call. [Operator Instructions] We will begin this morning’s call with the company’s standard forward-looking statement disclosure. On this call, representatives of Investors Bancorp, Inc. may make some forward-looking statements with respect to its financial position, results of operation and business. These forward-looking statements are not guarantees of future performance and are subject to risks, uncertainties and other factors, some of which are beyond Investors Bancorp’s control, are difficult to predict and which can cause actual results to materially differ from those expressed or forecast in these forward-looking statements.