Philip Flynn | President, CEO & Director |
Patrick Ahern | Chief Credit Officer |
Chris Niles | EVP & CFO |
Casey Haire | Jefferies |
Scott Siefers | Piper Sandler & Co. |
Terence McEvoy | Stephens Inc. |
Jon Arfstrom | RBC Capital Markets |
Michael Young | SunTrust Robinson Humphrey |
Christopher McGratty | KBW |
Good afternoon, everyone, and welcome to Associated Banc-Corp's First Quarter 2020 Earnings Conference Call. My name is Molly and I'll be your operator today. [Operator Instructions] We will be conducting a question-and-answer session at the end of this conference. Copies of the slides that will be referred during today's call are available on the company's website at investor.associatedbank.com. [Operator Instructions]