Heather Worley | Director of Investor Relations |
Keith Cargill | President & Chief Executive Officer |
Julie Anderson | Chief Financial Officer |
Peter Winter | Wedbush Securities |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Steve Alexopolous | JPMorgan |
Michael Rose | Raymond James |
Jon Arfstrom | RBC Capital Markets |
Brady Gailey | KBW |
Dave Rochester | Deutsche Bank |
Brett Rabatin | Piper Jaffray |
Jennifer Demba | SunTrust |
Brad Milsaps | Sandler O'Neill |
Chris Gamaitoni | Compass Point |
Geoffrey Elliott | Autonomous Research |
Brock Vandervliet | UBS |
Good afternoon and welcome to the TCBI Fourth Quarter 2018 Earnings Conference Call. All participants today will be in a listen-only mode during the presentation. Please note this event is being recorded. [Operator Instructions] I'd now like to turn the call over to Heather Worley, Director of Investor Relations. Please go ahead.