A. B. Mendez | Director of Investor Relations |
Phil Green | Chairman, Chief Executive Officer |
Jerry Salinas | Group Executive Vice President, Chief Financial Officer |
Ken Zerbe | Morgan Stanley |
Jennifer Demba | Truist Securities |
Steven Alexopoulos | JPMorgan |
Brad Gailey | KWB |
Ebrahim Poonawala | Bank of America |
Dave Rochester | Compass Point |
Jon Arfstrom | RBC Capital Markets |
Good day and thank you for standing by. Welcome to the Cullen/Frost Q1 Earnings Results 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 host, Mr.