A. B. Mendez | SVP & Director, IR |
Phillip Green | Chairman & CEO |
Jerry Salinas | Group EVP & CFO |
Brady Gailey | KBW |
Jennifer Demba | Truist Securities |
David Rochester | Compass Point |
Peter Winter | Wedbush Securities |
Steven Alexopoulos | JP Morgan |
Jon Arfstrom | RBC Capital Markets |
Greetings and welcome to Cullen/Frost Bankers’ Fourth Quarter 2021 Earnings Conference Call. [Operator Instructions] I’d now like to turn the call over to A.B. Mendez, Senior Vice President and Director of Investor Relations. Thank you.
You may begin.