Lynn Harton | Chairman and CEO |
Jefferson Harralson | CFO |
Rich Bradshaw | Chief Banking Officer |
Rob Edwards | Chief Risk Officer |
Michael Rose | Raymond James |
Brad Milsaps | Piper Sandler |
Jennifer Demba | SunTrust |
Catherine Mealor | KBW |
Kevin Fitzsimmons | D.A. Davidson |
Christopher Marinac | Janney Montgomery Scott |
Good morning and welcome to United Community Banks Second Quarter 2020 Earnings Call. Hosting the 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, 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. Copies of the second quarter earnings release and investor presentation were filed last night on Form 8-K with the SEC, and a replay of this call will be available in the Investor Relations section of the company's website at ucbi.com.