Avi Mendes | Director, Investor Relations |
Phil Green | Chairman & Chief Executive Officer |
Jerry Salinas | Executive Vice President & Chief Financial Officer |
Brady Gailey | KBW |
Dave Rochester | Compass Point |
Ebrahim Poonawala | Bank of America |
Jennifer Demba | SunTrust |
Peter Winter | Wedbush Securities |
Steven Alexopoulos | JPMorgan |
Ladies and gentlemen, thank you for standing by and welcome to Cullen/Frost Q3 Earnings Results. At this time, all participants are any listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions] I would now like to hand the call over to our speaker for today. The Cullen/Frost Director, Investor Relations, Mr.