Philip Flynn | President, CEO & Director |
Christopher Del Moral-Niles | EVP & CFO |
Jon Arfstrom | RBC Capital Markets |
Robert Siefers | Sandler O'Neill + Partners |
Jared Shaw | Wells Fargo Securities |
Terence McEvoy | Stephens Inc. |
Nathan Race | Piper Jaffray Companies |
Christopher McGratty | KBW |
Michael Young | SunTrust Robinson Humphrey |
Good afternoon, everyone, and welcome to the Associated Banc-Corp's Fourth Quarter and Full Year 2018 Earnings Conference Call. My name is Dana, and I will be your operator today. [Operator Instructions]. Copies of the slides that will be referenced during today's call are available on the company's website at investor.associatedbank.com.
As a reminder, this conference call is being recorded.