A.B. Mendez | Senior Vice President and Director-Investor Relations |
Phil Green | Chairman and Chief Executive Officer |
Jerry Salinas | Group Executive Vice President and Chief Financial Officer |
Ebrahim Poonawala | Bank of America |
Steven Alexopoulos | JPMorgan |
Dave Rochester | Compass Point |
Brady Gailey | KBW |
Manan Gosalia | Morgan Stanley |
Peter Winter | D.A. Davidson |
Jon Arfstrom | RBC Capital Markets |
Greetings, ladies and gentlemen, and welcome to the Cullen/Frost Bankers Inc. Fourth Quarter Earnings Conference Call. At this time, all participants are on a listen-only mode. A brief question-and-answer session will follow the formal presentation. [Operator Instructions].