Matthew Lazzaro | Investor Relations |
Vincent Delie | Chairman, President and Chief Executive Officer |
Vincent Calabrese | Chief Financial Officer |
Gary Guerrieri | Chief Credit Officer |
Frank Schiraldi | Sandler O'Neill & Partners |
Casey Haire | Jefferies |
Jared Shaw | Wells Fargo |
Michael Young | SunTrust |
Russell Gunther | D.A. Davidson |
Collyn Gilbert | KBW |
William Wallace | Raymond James |
Brian Martin | FIG Partners |
Welcome to the F.N.B. Corporation's Fourth Quarter 2018 Quarterly Earnings Call. All participants will be in a listen-only mode. [Operator Instructions] After today's presentation there will be an opportunity to ask questions. [Operator Instructions] Please note today's event is being recorded.