Kay Gregory | Director, IR & SVP |
Mariner Kemper | Chairman, President & CEO |
Ram Shankar | EVP & CFO |
Thomas Terry | EVP & Chief Credit Officer |
James Rine | Vice Chairman |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Timur Braziler | Wells Fargo Securities |
Chris McGratty | KBW |
Nathan Race | Piper Sandler & Co. |
Good day and welcome to the UMB Financial First Quarter 2021 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, Investor Relations. Please go ahead.