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January 27, 2011 1:00 pm ET
Stephen A. Fowle – Executive Vice President and Chief Financial Officer
Mark A. Turner – President and Chief Executive Officer
Rodger Levenson – Executive Vice President and Director of Commercial Banking
Matthew Clark – KBW
David Peppard – Janney Montgomery Scott LLC
Ross Haberman – Haberman Management
Michael Sarcone – Sandler O'Neill
Good day, ladies and gentlemen, and welcome to the WSFS Financial Corporation Fourth Quarter 2011 Earnings Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session, and instructions will follow at that time. (Operator Instructions)
As a reminder, this conference call is being recorded. I would now like to introduce your host for today’s conference, Stephen Fowle, Chief Financial Officer.
Stephen A. Fowle
Thank you, Juan, thank you all for taking the time to participate on this call. With me today is Mark Turner, President and CEO; Rodger Levenson, Director of Commercial Banking; Rick Wright, Director of Retail Banking; and Paul Geraghty, Chief Wealth Officer.
Before I turn the call over to Mark for his opening remarks, 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.