Darlene Persons | IR |
Ralph Babb | Chairman & CEO |
Curtis Farmer | President, Comerica Incorporated & Comerica Bank |
Muneera Carr | EVP & CFO |
Peter Guilfoile | EVP & Chief Credit Officer |
Ken Usdin | Jefferies |
Ken Zerbe | Morgan Stanley |
Dave Rochester | Deutsche Bank |
John Pancari | Evercore |
Steven Alexopoulos | JPMorgan |
Peter Winter | Wedbush Securities |
Brett Rabatin | Piper Jaffray |
Scott Siefers | Sandler O'Neill |
Erika Najarian | Bank of America |
Geoffrey Elliott | Autonomous Research |
Steve Moss | B. Riley FBR |
Marty Mosby | Vining Sparks |
Gary Tenner | D.A. Davidson |
Brock Vandervliet | UBS |
Good morning, my name is Regina and I will be your conference operator today. At this time, I would like to welcome everyone to the Comerica Fourth Quarter 2018 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session. [Operator Instructions].