Lynn Harton | Chairman & Chief Executive Officer |
Rob Edwards | Chief Risk Officer |
Jefferson Harralson | Chief Financial Officer |
Rich Bradshaw | Chief Banking Officer |
Brad Milsaps | Piper Sandler |
Jennifer Demba | Truist Securities |
Michael Rose | Raymond James |
Catherine Mealor | KBW |
Kevin Fitzsimmons | D.A. Davidson |
Christopher Marinac | Janney Montgomery Scott |
Brody Preston | Stephens |
Good morning and welcome to United Community Banks Third 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.