George Andersen | executive |
Andrew Cecere | executive |
John Stern | executive |
Robert Siefers | analyst |
Ebrahim Poonawala | analyst |
John Pancari | analyst |
John McDonald | analyst |
Terrance Dolan | executive |
L. Erika Penala | analyst |
Michael Mayo | analyst |
Matthew O'Connor | analyst |
Gerard Cassidy | analyst |
Kenneth Usdin | analyst |
Hello, and welcome to the U.S. Bancorp Fourth Quarter 2023 Earnings Conference Call. [Operator Instructions] This call will be recorded and available replay beginning today at approximately 8:00 a.m. Central Time. I will now turn the conference call over to George Andersen, Senior Vice President and Director of Investor Relations for U.S.