Phil Green | Chairman, Chief Executive Officer |
Jerry Salinas | Group Executive Vice President, Chief Financial Officer |
A. B. Mendez | Director of Investor Relations |
Brady Gailey | KBW |
Ebrahim Poonawala | Bank of America Securities |
Ken Zerbe | Morgan Stanley |
Jennifer Demba | Truist Securities |
Dave Rochester | Compass Point |
Steven Alexopoulos | JPMorgan |
Michael Rose | Raymond James |
Ladies and gentlemen, thank you for standing by, and welcome to the Cullen/Frost's Q4 Earnings Results 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 Mr. A.B.