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October 28, 2011 1:00 PM ET
Steve Fowle – Executive Vice President and Chief Financial Officer
Mark Turner – President and Chief Executive Officer
Rodger Levenson – Executive Vice President and Director of Commercial Banking
Rick Wright – Executive Vice President and Director of Retail Banking
Michael Sarcone – Sandler O'Neill
Andy Stapp – B. Riley
Matthew Clark – KBW
Ronald Smith – WSFS
Good day, ladies and gentlemen, and welcome to the WSFS Financial Corporation Third Quarter Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will be given at that time. (Operator instructions) As a reminder, today's conference call is being recorded.
I would now like to introduce the speakers, Mark Turner, President and CEO; Steve Fowle, Chief Financial Officer; Rodger Levenson, Director of Commercial Banking; and Rick Wright, Director of Marketing and Retail Banking.
I would now like to introduce your host for today's conference, Mr. Steve Fowle, Chief Financial Officer. Sir, you may begin.
Thank you, Davon [ph], and thanks to all of you for taking the time to participate in this call. Before Mark begins his comments, I would like to read our Safe Harbor statement.
This report contains estimates, predictions, opinions, projections and other statements that may be interpreted as forward-looking statements as that phrase is defined in the Private Securities Litigation Reform Act of 1995. Such statements include, without limitation, references to our financial goals, management's plans and objectives for future operations, financial and business trends, business prospects, and our outlook or expectations for earnings, revenues, expenses, capital levels, liquidity levels, asset quality or other future financial or business performance, strategies or expectations.