Lynn Harton | Chief Executive Officer & Chairman |
Jefferson Harralson | Chief Financial Officer |
Rich Bradshaw | Chief Banking Officer |
Rob Edwards | Chief Risk Officer |
Brad Milsaps | Sandler O'Neill |
Catherine Mealor | KBW |
Christopher Marinac | JMS |
Michael Rose | Raymond James |
Kevin k Fitzsimmons | D.A. Davidson |
Tyler Stafford | Stephens |
Good morning, and welcome to United Community Banks' Third 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. Both are included on the website at ucbi.com.