Ryan Richards | Corporate Controller |
Harris Simmons | Chairman and CEO |
Paul Burdiss | CFO |
Scott McLean | President and COO |
Keith Maio | Chief Risk Officer |
Michael Morris | Chief Credit Officer |
John Pancari | Evercore ISI |
Ebrahim Poonawala | Bank of America |
Dave Rochester | Compass Point |
Ken Usdin | Jefferies |
Brad Milsaps | Piper Sandler |
Jennifer Demba | Truist Securities |
Chris McGratty | KBW |
Greetings. Welcome to Zions Bancorp Third Quarter Earnings Conference Call. [Operator Instructions] Please note, this conference is being recorded. I will now turn the conference over to Ryan Richards, Corporate Controller. Thank you.