A.B. Mendez | SVP and Director of Investor Relations |
Phil Green | Chairman and CEO |
Jerry Salinas | Group EVP and CFO |
Brady Gailey | KBW |
Jennifer Demba | SunTrust |
Peter Winter | Wedbush Securities |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Brett Rabatin | Piper Jaffray |
Jon Arfstrom | RBC Capital Markets |
Good day | ladies and gentlemen and welcome to the Cullen/Frost Q4 and Full Year 2018 Call. At this time all participants are in a listen-only mode [Operator Instructions]. As a reminder this conference is being recorded. I would now like to introduce your host for today's call - Mr. A.B. Mendez. Mr. Mendez you may begin. |
Thank you Sherri. This morning's conference call will be led by Phil Green, Chairman and CEO and Jerry Salinas, Group Executive Vice President and CFO.
Before I turn the call over to Phil and Jerry, I need to take a moment to address the Safe Harbor provisions.
Some of the remarks made today will constitute forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995, as amended. We intend that such statements should be covered by the Safe Harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995, as amended.