A.B. Mendez | Senior Vice President and Director of Investor Relations |
Phil Green | Chairman and CEO |
Jerry Salinas | Group Executive Vice President and CFO |
Brett Rabatin | Piper Jaffray |
Dave Rochester | Deutsche Bank |
Ebrahim Poonawala | Bank of America |
Jennifer Demba | SunTrust |
Rahul Patel | Evercore ISI |
Jon Arfstrom | RBC Capital Markets |
Michael Rose | Raymond James. |
Peter Winter | Wedbush |
Brady Gailey | Keefe, Bruyette, & Woods |
Good morning. My name is Heidi, and I will be your conference operator today. At this time, I would like to welcome everyone to the Cullen/Frost Third Quarter Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session [Operator Instructions].