Darlene Persons | Director, IR |
Curtis Farmer | CEO, President & Director |
James Herzog | Interim CFO, EVP & Treasurer |
Peter Sefzik | EVP, Business Bank |
Pete Guilfoile | Chief Credit Officer |
Ken Zerbe | Morgan Stanley |
John Pancari | Evercore ISI |
Steven Alexopoulos | JPMorgan |
Jennifer Demba | SunTrust |
Mike Mayo | Wells Fargo securities |
Ken Usdin | Jefferies |
Erika Najarian | Bank of America |
Michael Rose | Raymond James |
Gary Tenner | D.A. Davidson |
Peter Winter | Wedbush Securities |
Lana Chan | BMO Capital Markets |
Vilas Abraham | UBS |
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 Fourth Quarter 2019 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. [Operator Instructions].