James Abbott | Director, Investor Relations |
Harris Simmons | Chairman and CEO |
Scott McLean | President and COO |
Paul Burdiss | Chief Financial Officer |
Keith Maio | Chief Risk Officer |
Michael Morris | Chief Credit Officer |
Erika Najarian | Bank of America |
Dave Rochester | Compass Point |
Ken Zerbe | Morgan Stanley |
John Pancari | Evercore ISI |
Jennifer Demba | Truist Securities |
Steven Alexopoulos | J.P. Morgan |
Gary Tenner | D.A. Davidson |
Ken Usdin | Jefferies |
Brad Milsaps | Piper Sandler |
Brian Klock | Keefe, Bruyette, Woods |
Steve Moss | B. Riley Securities |
Ladies and gentlemen, thank you for standing by. And welcome to the Zions Bancorporation’s Fourth Quarter 2020 Earnings Results Webcast. At this time, all participants are in a listen-only mode. After the speaker presentation, there will be a question-and-answer session. [Operator Instructions] It is now my pleasure to introduce Director of Investor Relations, James Abbott.