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