Deanna Hart | Investor Relations |
Frank Holding | Chairman and Chief Executive Officer |
Craig Nix | Chief Financial Officer |
James Bryan | Executive Vice President and Chief Credit Policy Officer |
Kevin Fitzsimmons | D.A. Davidson & Co |
Brady Gailey | Keefe, Bruyette, & Woods |
Ladies and gentlemen, thank you for standing by, and welcome to First Citizens BancShares Second Quarter 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 the host of today's conference, Ms.