Lynn Harton | Chairman and CEO |
Jefferson Harralson | Chief Financial Officer |
Rich Bradshaw | Chief Banking Officer |
Rob Edwards | Chief Risk Officer |
Brad Milsaps | Piper Sandler |
Brandon King | SunTrust |
Tyler Stafford | Stephens |
Kevin Fitzsimmons | D.A. Davidson |
Michael Rose | Raymond James |
Catherine Mealor | KBW |
Christopher Marinac | Janney Montgomery |
Good morning. And welcome to United Community Banks First Quarter 2020 Earnings Call. Hosting our call today are Chairman and Chief Executive Officer, Lynn Harton; Chief Financial Officer, Jefferson Harralson; Chief Banking Officer, Rich Bradshaw; and Chief Risk Officer, Rob Edwards.
United’s presentation today includes references to operating earnings, pre-tax, pre-credit earnings and other non-GAAP financial information.
For these non-GAAP financial measures, United has provided a reconciliation to the corresponding GAAP financial measure in the Financial Highlights section of the earnings release, as well as at the end of the investor presentation.