Jason Korstange | Director of IR |
Craig Dahl | Chairman & CEO |
Brian Maass | CFO |
Tom Jasper | COO |
Mike Jones | EVP, Consumer Banking |
Jim Costa | Chief Risk Officer & Chief Credit Officer |
Jon Arfstrom | RBC Capital Markets |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Ken Zerbe | Morgan Stanley |
Scott Siefers | Sandler O'Neill |
Dave Rochester | Deutsche Bank |
Emlen Harmon | JMP Securities |
Steven Alexopoulos | JPMorgan. |
Nathan Race | Piper Jaffray Companies |
Lana Chan | BMO Capital Markets. |
Matthew Keating | Barclays PLC |
Chris McGratty | KBW |
Tim Braziler | Wells Fargo Securities. |
Good morning, and welcome to TCF's 2017 Fourth Quarter Earnings 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 note today's conference call is being recorded.