George Andersen | Senior Vice President & Director, Investor Relations |
Andy Cecere | Chairman, President & Chief Executive Officer |
Terry Dolan | Vice Chair & Chief Financial Officer |
Scott Siefers | Piper Sandler |
Erika Najran | UBS |
Mike Mayo | Wells Fargo Securities |
John Pancari | Evercore ISI |
Ebrahim Poonawala | Bank of America |
Gerard Cassidy | RBC |
Betsy Graseck | Morgan Stanley |
Vivek Juneja | JPMorgan |
Matt O'Connor | Deutsche Bank |
Ken Usdin | Jefferies |
Chris Kotowski | Oppenheimer |
John McDonald | Autonomous Research |
Welcome to the U.S. Bancorp Fourth Quarter 2022 Earnings Conference Call.
Following a review of the results, 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.