James Abbott | Director, IR |
Harris Simmons | Chairman and CEO |
Paul Burdiss | CFO |
Scott McLean | President and COO |
Michael Morris | Chief Credit Officer |
Manan Gosalia | Morgan Stanley |
Ebrahim Poonawala | Bank of America |
John Pancari | Evercore ISI |
Chris McGratty | KBW |
Peter Winter | D.A. Davidson |
Ken Usdin | Jefferies |
Greetings, and welcome to the Zions Bancorp Q4 Earnings Conference Call. At this time all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder, this conference is being recorded.
I would now like to turn the conference over to your host, James Abbott, Director of Investor Relations.