Jimmy Tallent | Chairman and CEO |
Lynn Harton | President and COO |
Jefferson Harralson | CFO |
Rob Edwards | Chief Credit Officer |
Michael Rose | Raymond James |
Tyler Stafford | Stephens |
Jennifer Demba | SunTrust |
Brad Milsaps | Sandler O'Neill |
Catherine Mealor | KBW |
Christopher Marinac | FIG Partners |
Nancy Bush | NAB Research |
Good morning and welcome to United Community Banks Fourth Quarter Earnings Call. Hosting the call today are Chairman and Chief Executive Officer, Jimmy Tallent; President and Chief Operating Officer, Lynn Harton; Chief Financial Officer, Jefferson Harralson; and Chief Credit Officer, Rob Edwards. United’s presentation today includes references to operating earnings, pre-tax, pre-credit earnings and other non-GAAP financial information.
For these non-GAAP financial measures, United has provided a reconciliation to the corresponding GAAP financial measure in the financial highlights section of the earnings release as well as at the end of the investor presentation. Both are included on the website at ucbi.com.