Donald MacLeod | Administrative VP, Assistant Secretary & Director, IR |
Darren King | EVP & CFO |
Kenneth Usdin | Jefferies |
John Pancari | Evercore ISI |
Erika Najarian | Bank of America Merrill Lynch |
Peter Winter | Wedbush Securities |
Frank Schiraldi | Piper Sandler & Co. |
Steven Alexopoulos | JPMorgan Chase & Co. |
Gerard Cassidy | RBC Capital Markets |
Saul Martinez | UBS Investment Bank |
Brian Klock | KBW |
Ladies and gentlemen, thank you for standing by, and welcome to the M&T Bank Fourth Quarter 2019 Earnings Conference Call. [Operator Instructions]. I will now turn the call over to Don MacLeod, Director of Investor Relations, to begin.
Thank you, Lorrie, and good morning. I'd like to thank everyone for participating in M&T's fourth quarter and full year 2019 earnings conference call, both by telephone and through the webcast.