Ralph Babb | Chairman and CEO |
David Duprey | CFO |
Curtis Farmer | President, Comerica Incorporated and Comerica Bank |
Pete Guilfoile | Chief Credit Officer |
Darlene Persons | Director, IR |
Ken Usdin | Jefferies & Co. |
Scott Siefers | Sandler O’Neill |
Erika Najarian | Bank of America Merrill Lynch |
Steven Alexopoulos | JPMorgan |
Geoffrey Elliott | Autonomous Research |
Ken Zerbe | Morgan Stanley |
Dave Rochester | Deutsche Bank |
Brett Rabatin | Piper Jaffray |
John Pancari | Evercore ISI |
Stephen Moss | FBR |
Peter Winter | Wedbush Securities |
Gary Tenner | D.A. Davidson |
Good morning. My name is Regina, and I will be your conference operator today. At this time, I would like to welcome everyone to the Comerica Third Quarter 2017 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session.