George Andersen | Director of Investor Relations |
Andy Cecere | Chairman, President and Chief Executive Officer |
Terry Dolan | Vice Chair and Chief Financial Officer |
John Pancari | Evercore |
Nathan Stein | Deutsche Bank |
Mike Mayo | Wells Fargo Securities |
Erika Najarian | UBS |
Bill Carcache | Wolfe Research |
Gerard Cassidy | RBC |
Ken Usdin | Jefferies & Co. |
Betsy Graseck | Morgan Stanley |
Welcome to the U.S. Bancorp’s Third Quarter 2022 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 11:00 a.m. Central Time.