William Cimino | VP & Director, IR |
John Asbury | President, CEO & Director |
Robert Gorman | EVP & CFO |
David Ring | EVP & Commercial Banking Group Executive |
Austin Nicholas | Stephens Inc. |
William Wallace | Raymond James & Associates |
Laurie Hunsicker | Compass Point Research & Trading |
Catherine Mealor | KBW |
Good morning. My name is Jamie, and I will be your conference operator today. At this time, I would like to welcome everyone to the third quarter earnings conference call. [Operator Instructions]. Mr.