Jen Thompson | Director of Investor Relations & Economic Analysis |
Andy Cecere | Chairman, President & Chief Executive Officer |
Terry Dolan | Vice Chair & Chief Financial Officer |
Betsy Graseck | Morgan Stanley |
Matt O'Connor | Deutsche Bank |
John Pancari | Evercore ISI |
Scott Siefers | Piper Sandler |
Bill Carcache | Wolfe Research |
John McDonald | Autonomous Research |
Ken Usdin | Jefferies |
David Long | Raymond James |
Vivek Juneja | JPMorgan |
Mike Mayo | Wells Fargo Securities |
Scott Siefers | Piper Sandler & Co. |
Gerard Cassidy | RBC Capital Markets |
Welcome to U.S. Bancorp's Second Quarter 2021 Earnings Conference Call.
Following a review of the results by Andy Cecere, Chairman, President, and Chief Executive Officer; and Terry Dolan, Vice Chair and Chief Financial Officer, there will be a formal question-and-answer session. [Operator Instructions] This call will be recorded and available for replay beginning today at approximately 11 AM Central Time, through Thursday, July 22, 2021 at 10:59 PM Central Time. I will now turn the conference call over to Jen Thompson, Director of Investor Relations and Economic Analysis for U.S.