Darlene Persons | IR |
Ralph Babb | Chairman and CEO |
Curtis Farmer | President, Comerica Incorporated and Comerica Bank |
Muneera Carr | Executive Vice President and Chief Financial Officer |
Peter Guilfoile | Executive Vice President and Chief Credit Officer |
Ken Zerbe | Morgan Stanley |
John Pancari | Evercore |
Scott Siefers | Sandler O'Neill & Partners |
Ken Usdin | Jefferies |
Steven Alexopoulos | JPMorgan |
Geoffrey Elliot | Autonomous Research |
Peter Winter | Wedbush Securities |
Brett Rabatin | Piper Jaffray |
Steve Moss | B. Riley FBR |
Gary Tenner | D.A. Davidson |
Jon Arfstrom | RBC Capital Markets |
Brock Vandervliet | UBS |
Brian Klock | Keefe Bruyette & Woods |
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 2018 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.