Joseph Ficalora | President & CEO |
Thomas Cangemi | CFO |
Robert Wann | COO |
John Pinto | CAO |
Ebrahim Poonawala | Bank of America Merrill Lynch |
David Rochester | Deutsche Bank |
Ken Zerbe | Morgan Stanley |
Brock Vandervliet | UBS |
Steven Alexopoulos | JPMorgan |
Jordan Hymowitz | Philadelphia Financial |
Matthew Breese | Piper Jaffray |
Christopher Marinac | FIG Partners |
Mark Kehoe | Goldman Sachs |
William Wallace | Raymond James |
Peter Winter | Wedbush Securities |
Collyn Gilbert | KBW |
Good morning and thank you all for joining the management team of New York Community Bancorp for its Fourth Quarter 2018 Conference Call. Today’s discussion of the Company’s fourth quarter and full year 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 those 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.