Dana Nolan | Investor Relations |
John Turner | President and Chief Executive Officer |
David Turner | Senior Executive Vice President Chief Financial Officer |
Barb Godin | Senior Executive Vice President and Chief Credit Officer |
John Pancari | Evercore ISI |
Matthew O'Connor | Deutsche Bank |
Erika Najarian | Bank of America Merrill Lynch |
Geoffrey Elliott | Autonomous Research |
Ken Usdin | Jefferies |
Saul Martinez | UBS |
Betsy Graseck | Morgan Stanley |
Gerard Cassidy | RBC Capital Markets |
Peter Winter | Wedbush Securities |
Good morning, and welcome to the Regions Financial Corporation's Quarterly Earnings Call. My name is Jennifer, and I'll be your operator for today's call. I would like to remind everyone that all participants' phone lines have been placed on listen-only. At the end of the call, there will be a question-and-answer session. [Operator Instructions].