Jason Korstange | Director of IR |
Craig Dahl | Chairman & CEO |
Brian Maass | CFO |
Tom Jasper | COO |
Mike Jones | EVP, Consumer Banking |
Bill Henak | EVP of Wholesale Banking |
Jim Costa | Chief Risk Officer & Chief Credit Officer |
Jon Arfstrom | RBC Capital Markets |
Ken Zerbe | Morgan Stanley |
Emlen Harmon | JMP Securities |
Chris McGratty | KBW |
Dave Rochester | Deutsche Bank |
Carolina | JPMorgan |
David Chiaverini | Wedbush Securities |
Good morning, and welcome to TCF’s 2017 Third Quarter Earnings Conference Call. My name is Jamie and I will be your conference operator today. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks, there will be a question-and-answer period. [Operator Instructions] Please also note today’s conference call is being recorded.