Philip Flynn | President, CEO & Director |
Chris Niles | EVP & CFO |
Robert Siefers | Piper Sandler & Co. |
Terence McEvoy | Stephens Inc. |
Jon Arfstrom | RBC Capital Markets |
Christopher McGratty | KBW |
Jared Shaw | Wells Fargo Securities |
Michael Young | SunTrust Robinson Humphrey |
Good afternoon, everyone, and welcome to Associated Banc-Corp's Fourth Quarter and Full Year 2019 Earnings Conference Call. My name is Hector, and I will be your operator today. (Operator Instructions] Copies of the slides that will be referenced during today's call are available on the company's website at investor.associatedbank.com.
As a reminder, this conference call is being recorded.
As outlined on Slide 2, during the course of the discussion today, management may make statements that constitute projections, expectations, beliefs or similar forward-looking statements.