Chris Gorman | Chairman and Chief Executive Officer |
Don Kimble | Chief Financial Officer |
Mark Midkiff | Chief Risk Officer |
Steven Alexopoulos | JPMorgan |
Ebrahim Poonawala | Bank of America |
Scott Siefers | Piper Sandler |
Bill Carcache | Wolfe Research |
Ken Usdin | Jefferies |
Matt O'Connor | Deutsche Bank |
Peter Winter | Wedbush Securities |
Eric Chan | Wells Fargo Securities |
Gerard Cassidy | RBC Capital Markets |
John Pancari | Evercore ISI |
[Call Starts Abruptly] and Mark Midkiff, our Chief Risk Officer. On Slide 2, you will find our statement on forward-looking disclosure and non-GAAP financial measures. It covers our presentation materials and comments as well as the question-and-answer segment of our call. I'm now moving to Slide 3. This morning, we reported another strong quarter with net income of $616 million or $0.65 a share.