Sal DiMartino | Director, Investor Relations |
Joseph Ficalora | President & Chief Executive Officer |
Thomas Cangemi | Chief Financial Officer |
Ebrahim Poonawala | Bank of America |
Mark Fitzgibbon | Piper Sandler |
Steve Moss | B. Riley FBR |
Collyn Gilbert | KBW |
Ken Zerbe | Morgan Stanley |
Steven Duong | RBC Capital Markets |
Matthew Breese | Stephens |
Peter Winter | Wedbush Securities |
Christopher Marinac | Janney Montgomery Scott |
Dave Rochester | Compass Point |
Good morning. This is Sal DiMartino, Director of Investor Relations and thank you all for joining the management team of New York Community Bancorp for today's Conference Call. Today's discussion of the company's second quarter 2020 performance will be led by President and Chief Executive Officer, Joseph Ficalora; and Chief Financial Officer, Thomas Cangemi; together with our Chief Operating Officer, Robert Wann; and Chief Accounting Officer, John Pinto. Today's release includes a reconciliation of certain GAAP and non-GAAP financial measures that may be discussed during this conference call. These non-GAAP financial measures should be viewed in addition to and not as a substitute for results prepared in accordance with GAAP.