A. Mendez | executive |
Phillip Green | executive |
Jerry Salinas | executive |
Ebrahim Poonawala | analyst |
Steven Alexopoulos | analyst |
David Rochester | analyst |
Manan Gosalia | analyst |
Peter Winter | analyst |
Brady Gailey | analyst |
Brandon King | analyst |
Broderick Preston | analyst |
Jon Arfstrom | analyst |
Greetings. Welcome to Cullen/Frost Bankers Inc. Fourth Quarter and Full Year 2023 conference call. [Operator Instructions] Please note this conference is being recorded. I will now turn the conference over to AB. Mendez, Senior Vice President and Director of Investor Relations.