Tim Sedabres | Head of Investor Relations |
Craig Dahl | President & Chief Executive Officer |
Tom Shafer | Chief Operating Officer & President of TCF Bank |
Dennis Klaeser | Chief Financial Officer |
Jim Costa | Chief Risk Officer |
Brian Maass | Deputy Chief Financial Officer & Treasurer |
Jon Arfstrom | RBC Capital Markets |
David Long | Raymond James |
Scott Siefers | Sandler O'Neill |
Chris McGratty | KBW |
Steven Alexopoulos | JPMorgan. |
Nathan Race | Piper Jaffray |
Ebrahim Poonawala | Bank of America |
Jared Shaw | Wells Fargo Securities |
Lana Chan | BMO Capital Markets |
Terry McEvoy | Stephens |
Kevin Reevey | D.A. Davidson |
Brock Vandervliet | UBS |
David Chiaverini | Wedbush |
Good morning, everyone and welcome to TCF's 2019 Third 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 also note today's conference call is being recorded.