Lynn Harton | President and CEO |
Jefferson Harralson | CFO |
Rob Edwards | Chief Credit Officer |
Rich Bradshaw | Chief Banking Officer |
Catherine Mealor | KBW |
Jennifer Demba | SunTrust |
Michael Rose | Raymond James |
Peter Ruiz | Sandler O'Neill |
Tyler Stafford | Stephens |
Christopher Marinac | FIG Partners |
Good morning, and welcome to United Community Banks' Fourth Quarter 2018 Earnings Call. Hosting the call today are President and Chief Executive Officer, Lynn Harton; Chief Financial Officer, Jefferson Harralson; and Chief Credit Officer, Rob Edwards. United's presentation today includes references to operating earnings, pretax, 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.