Greg Parker | Executive Vice President and Director, Investor Relations |
Phillip Green | Chairman and Chief Executive Officer |
Jerry Salinas | Executive Vice President and Chief Financial Officer |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Brady Gailey | Keefe Bruyette & Woods, Inc. |
Jennifer Demba | SunTrust Robinson Humphrey |
John Pancari | Evercore ISI |
Peter Winter | Wedbush Securities Inc. |
Brett Rabatin | Piper Jaffray & Co. |
Mengxian Jiao | Deutsche Bank Securities Inc. |
Jason Oetting | JPMorgan Securities LLC. |
Good morning and welcome to the Cullen/Frost Bank Fourth Quarter and Year-End Earnings Conference Call. My name is Kristen, and I will be facilitating the audio portion of today's interactive broadcast. All lines have been placed on mute to prevent any background noise. [Operator Instructions] At this time, I would like to turn the call over to Mr. Greg Parker, Executive Vice President and Director of Investor Relations.