Andy Cecere | Chairman, President and CEO |
Terry Dolan | Vice Chair and CFO |
Jen Thompson | Director of IR and Economic Analysis |
Matt O'Connor | Deutsche Bank |
John Pancari | Evercore ISI |
Betsy Graseck | Morgan Stanley |
Erika Najarian | UBS |
Ken Usdin | Jefferies |
Mike Mayo | Wells Fargo Securities |
Vivek Juneja | JPMorgan |
Gerard Cassidy | RBC |
Terry McEvoy | Stephens |
Bill Carcache | Wolfe Research |
Welcome to U.S. Bancorp's First Quarter 2022 Earnings Conference Call.
Following a review of the results by Andy Cecere, Chairman, President and Chief Executive Officer; and Terry Dolan, 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 11:00 AM Central Time through Thursday, April 21, 2022, at 10:59 PM Central Time. I will now turn the conference call over to Jen Thompson, Head of Corporate Finance and Investor Relations for U.S.