Jenn Thompson | Director, IR |
Andrew Cecere | Chairman, President & CEO |
Terrance Dolan | Vice Chairman & CFO |
Ken Usdin | Jefferies |
John McDonald | Bernstein |
Erika Najarian | Bank of America |
John Pancari | Evercore |
Betsy Graseck | Morgan Stanley |
Kevin Barker | Piper Jaffray |
Marty Mosby | Vining Sparks |
Saul Martinez | UBS |
Gerard Cassidy | RBC Capital Markets |
Welcome to U.S. Bancorp's Fourth 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].