Jenn Thompson | Director, IR |
Andrew Cecere | Chairman, President and CEO |
Terrance Dolan | Vice Chairman and CFO |
John McDonald | Sanford C. Bernstein & Co., LLC |
John Pancari | Evercore ISI |
Matthew O'Connor | Deutsche Bank |
Kenneth Usdin | Jefferies & Company, Inc. |
Erika Najarian | Bank of America Merrill Lynch |
Scott Siefers | Sandler O'Neill + Partners, L.P |
Betsy Graseck | Morgan Stanley |
Mike Mayo | Wells Fargo Securities |
Marty Mosby | Vining Sparks |
Kevin Barker | Piper Jaffray |
Vivek Juneja | JPMorgan Chase & Company |
Saul Martinez | UBS |
Gerard Cassidy | RBC Capital Markets |
Brian Klock | Keefe, Bruyette & Woods |
Welcome to U.S. Bancorp’s Third Quarter 2018 Earnings Conference Call.
Following a review of the results by Andy Cecere, Chairman, President and Chief Executive Officer, and Terry Dolan, U.S. Bancorp’s Vice Chairman and Chief Financial Officer, there will be a formal question-and-answer session. [Operator Instructions] This call will be recorded and available for replay beginning today at approximately noon, Eastern Daylight Time, through Wednesday, October 24th at 12:00 midnight, Eastern Daylight Time.