Jennifer Thompson | EVP, IR |
Andrew Cecere | Chairman, President & CEO |
Terrance Dolan | Vice Chairman & CFO |
Matthew O'Connor | Deutsche Bank |
John Pancari | Evercore ISI |
John McDonald | Autonomous Research |
Betsy Graseck | Morgan Stanley |
Erika Najarian | Bank of America Merrill Lynch |
Kenneth Usdin | Jefferies |
Marlin Mosby | Vining Sparks |
Saul Martinez | UBS Investment Bank |
David Long | Raymond James & Associates |
Gerard Cassidy | RBC Capital Markets |
Welcome to U.S. Bancorp's Second Quarter 2019 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].