Greg Parker | EVP & Director, IR |
Phillip Green | Chairman & CEO |
Jerry Salinas | Group EVP & CFO |
Michael Rose | Raymond James |
David Rochester | Deutsche Bank |
Steven Alexopoulos | JP Morgan |
John Pancari | Evercore |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Jennifer Demba | SunTrust |
Brady Gailey | KBW |
Matthew Olney | Stephens |
Good morning. My name is Marcella, and I will be your conference operator today. I'd like to welcome everyone to the Cullen/Frost Third Quarter Earnings Conference Call. [Operator Instructions] Mr. Greg Parker, you may begin your conference.