Don MacLeod | Director of Investor Relations |
René Jones | Chief Executive Officer |
Michael Spychala | Corporate Controller |
Ken Zerbe | Morgan Stanley |
John Pancari | Evercore ISI |
Dave Rochester | Compass Point |
Gerard Cassidy | RBC |
Matt O'Connor | Deutsche Bank |
Bill Carcache | Wolfe Research |
Peter Winter | Wedbush Securities |
Ken Usdin | Jeffries |
Erika Najarian | Bank of America |
Frank Schiraldi | Piper Sandler |
Mike Mayo | Wells Fargo Securities |
Saul Martinez | UBS |
Thank you for standing by, and welcome to M&T Bank's First Quarter 2021 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the prepared remarks, there will be a question-and-answer session. [Operator instructions]. Thank you.