Kay Gregory | VP, IR |
John Kemper | President, Chairman & CEO |
Ram Shankar | EVP & CFO |
Michael Hagedorn | President |
Christopher McGratty | KBW |
Nathan Race | Piper Jaffray Companies |
Matthew Olney | Stephens Inc. |
David Long | Raymond James & Associates |
Timur Braziler | Wells Fargo Securities |
John Rodis | FIG Partners |
Good morning, and welcome to the UMB Financial First Quarter 2018 Financial Results Conference Call. [Operator Instructions]. Please note, this event is being recorded. I would now like to turn the conference over to Kay Gregory. Please go ahead.