Joseph Ficalora | President and Chief Executive Officer |
Thomas Cangemi | Chief Financial Officer |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Mark Fitzgibbon | Sandler O’Neill |
Ken Zerbe | Morgan Stanley |
Moshe Orenbuch | Credit Suisse |
Dave Rochester | Deutsche Bank |
Steven Alexopoulos | JPMorgan |
Brock Vandervliet | UBS |
Christopher Marinac | FIG Partners |
Matthew Breese | Piper Jaffray |
Steve Moss | B. Riley FBR |
William Wallace | Raymond James |
Collyn Gilbert | KBW |
Good morning and thank you all for joining the management team of New York Community Bancorp for its Third Quarter 2018 Conference Call. Today’s discussion of the Company’s third quarter 2018 performance will be led by President and Chief Executive Officer, Joseph Ficalora together with Chief Operating Officer, Robert Wann; Chief Financial Officer, Thomas Cangemi; and the Company’s Chief Accounting Officer, John Pinto. Certain comments made on this call will contain forward-looking statements that are intended to be covered by the Safe Harbor provisions of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially from those the Company currently anticipates due to a number of factors, many of which are beyond its control. Among the factors are general economic conditions and trends both nationally and in the Company’s local markets; changes in interest rates, which may affect the Company’s net income, prepayment income and other future cash flows or the market value of its assets, including its investment securities; changes in the demand for deposit, loan and investment products and other financial services; and changes in legislation, regulation and policies.