A. B. Mendez | Director, Investor Relations |
Phil Green | Chairman and Chief Executive Officer |
Jerry Salinas | Group Executive Vice President and Chief Financial Officer |
Jennifer Demba | Truist Securities |
Brady Gailey | KBW |
Steven Alexopoulos | JPMorgan |
Ebrahim Poonawala | Bank of America |
Ken Zerbe | Morgan Stanley |
Dave Rochester | Compass Point |
Ladies and gentlemen, thank you for standing by and welcome to the Cullen/Frost Second Quarter Earnings Results Call. [Operator Instructions] Thank you. I would now like to hand the conference over to your first speaker today, Mr. A. B.