Joseph Rein | SVP and Director of Corporate Strategy |
Gerard Host | President and CEO |
Louis Greer | Treasurer and Principal Financial Officer |
Tom Owens | EVP and Bank Treasurer |
Barry Harvey | EVP and Chief Credit Officer |
Catherine Mealor | KBW |
Peter Ruiz | Sandler O'Neill |
Jennifer Demba | SunTrust |
Daniel Mannix | Raymond James |
Brian Zabora | Hovde Group |
Elan Zanger | Jefferies |
Good morning, ladies and gentlemen, and welcome to Trustmark Corporation's Fourth Quarter Earnings Conference Call. [Operator Instructions] As a reminder, today's call is being recorded. It is now my pleasure to introduce Mr. Joey Rein, Director of Investor Relations at Trustmark.
Good morning.