A.B. Mendez | SVP and Director of IR |
Phil Green | Chairman and CEO |
Jerry Salinas | Group EVP and CFO |
Brady Gailey | KBW |
Rahul Patil | Evercore ISI |
Jennifer Demba | SunTrust Robinson Humphrey |
Peter Winter | Wedbush Securities |
Ken Zerbe | Morgan Stanley |
Steven Alexopoulos | JP Morgan |
Jon Arfstrom | RBC Capital Markets |
Matt Olney | Stephens |
Ladies and gentlemen, thank you for standing by, and welcome to the Frost Fourth Quarter and Full Year 2019 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation there will be a question-and-answer session. [Operator Instructions]
I would now like to hand the conference over to your speaker today, A.B.