Lynn Harton | President, CEO and Chairman |
Jefferson Harralson | CFO |
Richard Bradshaw | Chief Banking Officer |
Robert Edwards | CRO |
Catherine Mealor | KBW |
Peter Ruiz | Sandler O'Neill |
Tyler Stafford | Stephens |
Jennifer Demba | SunTrust |
Christopher Marinac | Janney Montgomery Scott |
Michael Rose | Raymond James |
Good morning, and welcome to United Community Banks' Second Quarter 2019 Earnings Call. Hosting our call today are Chairman and Chief Executive Officer, Lynn Harton; Chief Financial Officer, Jefferson Harralson; Chief Banking Officer, Rich Bradshaw and Chief Risk 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. And both of these are included on the website at ucbi.com.