Shannon Drage | executive |
Harris Simmons | executive |
Paul Burdiss | executive |
John Pancari | analyst |
Scott McLean | executive |
David Rochester | analyst |
Manan Gosalia | analyst |
Kenneth Usdin | analyst |
Peter Winter | analyst |
Christopher McGratty | analyst |
Brandon King | analyst |
Matthew Clark | analyst |
Broderick Preston | analyst |
Jon Arfstrom | analyst |
Derek Steward | executive |
Greetings, and welcome to the Zions Bancorporation Q4 Earnings Conference Call. [Operator Instructions] As a reminder, this conference is being recorded.
It is now my pleasure to introduce your host, Shannon Drage, Director of Investor Relations. Thank you, Ms. Drage.