Dana Nolan | Investor Relations |
John Turner | President and Chief Executive Officer |
David Turner | Senior Executive Vice President and Chief Financial Officer |
John Owen | Senior Executive Vice President Chief Operating Officer |
Barb Godin | Chief Credit Officer |
Ronald Smith | Senior Executive Vice President, Chief Operating Officer |
Ryan Nash | Goldman Sachs |
Matt O'Connor | Deutsche Bank |
Ken Usdin | Jefferies |
Betsy Graseck | Morgan Stanley |
John Pancari | Evercore ISI |
Erika Najarian | Bank of America |
Saul Martinez | UBS |
Gerard Cassidy | RBC |
Brian Foran | Autonomous |
Christopher Marinac | Janney Montgomery Scott |
Stephen Scouten | Sandler O'Neill |
Good morning. And welcome to the Regions Financial Corporation's Quarterly Earnings Call. My name is Shelby, and I'll be your operator for today's call [Operator Instructions].
I will now turn the call over to Dana Nolan to begin.
Thank you, Shelby.