Tom Heath | Director of Investor Relations |
Frank Holding | Chairman and Chief Executive Officer |
Craig Nix | Chief Financial Officer |
Jim Bryan | Chief Credit Officer |
Tom Eklund | Treasurer |
Brian Foran | Autonomous |
Moshe Orenbuch | Credit Suisse |
Ladies and gentlemen, thank you for standing by, and welcome to the First Citizens BancShares Q4 Earnings 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] As a reminder, today’s conference is being recorded. I would now like to introduce host of this conference call, Mr.