Andy Cecere | Chairman, President and CEO |
Terry Dolan | Vice Chair and CFO |
Jen Thompson | Director of IR and Economic Analysis |
Scott Siefers | Piper Sandler |
Gerard Cassidy | RBC Capital Markets |
John McDonald | Autonomous Research |
Betsy Graseck | Morgan Stanley |
Ken Usdin | Jefferies |
John Pancari | Evercore ISI |
Bill Carcache | Wolfe Research |
David Long | Raymond James |
Mike Mayo | Wells Fargo Securities |
Vivek Juneja | JPMorgan |
Erika Najarian | UBS |
Welcome to U.S. Bancorp's Fourth 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 11 AM Central Time through Wednesday, January 26, 2022 at 10.59 PM Central Time.