Darlene Persons | Director of Investor Relations |
Curt Farmer | President, Chairman and CEO |
Jim Herzog | CFO |
Peter Sefzik | Executive Director of Commercial Banking |
Melinda Chausse | Chief Credit Officer |
Jon Arfstrom | RBC Capital |
Chris McGratty | KBW |
Scott Siefers | Piper Sandler |
John Pancari | Evercore |
Bill Carcache | Wolfe Research |
Ebrahim Poonawala | Bank of America |
Steven Alexopoulos | JPMorgan |
Ken Usdin | Jefferies |
Steve Moss | B. Riley Securities |
Ken Zabi | Morgan Stanley |
Gary Tenner | D.A. Davidson |
Terry McEvoy | Stephens |
Good day and thank you for standing by. Welcome to the Comerica Quarterly Earnings Call. At this time, all participants are in a listen-only mode. After the speaker presentation, there will be a question-and-answer session. [Operator Instructions] I would now like to hand the conference over to Darlene Persons, Director of Investor Relations.