James Abbott | Senior Vice President, Director of Investor Relations |
Harris Simmons | Chairman and Chief Executive Officer |
Scott McLean | Chief Operating Officer |
Paul Burdiss | Chief Financial Officer |
Keith Maio | Chief Risk Officer |
Michael Morris | Chief Credit Officer |
Ebrahim Poonawala | Bank of America |
Dave Rochester | Compass Point |
Peter Winter | Wedbush Securities |
Jennifer Demba | Truist Securities |
Ken Usdin | Jefferies |
Steven Alexopoulos | JPMorgan |
John Pancari | Evercore |
Gary Tenner | D.A. Davidson |
Chris McGratty | KBW |
Tim Coffey | Janney |
Brock Vandervliet | UBS |
Ladies and gentlemen, thank you for standing by, and welcome to the Zions Bancorporation's Third Quarter 2021 Earnings Results Webcast. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be question-and-answer session [Operator Instructions]. I would now like to turn the conference over to your host, Mr. James Abbott.