Sterling Bancorp (
Q4 2011 Earnings Call
January 31, 2012 10:00 am ET
Ed Nebb - Comm-Counsellors, LLC - IR
John Millman - President
John Tietjen - EVP & CFO
Mark Fitzgibbon - Sandler O'Neill
Damon Delmonte - KBW
Dave Peppard - Janney
Collyn Gilbert - Stifel Nicolaus
Thank you for standing by and welcome to the Sterling Bancorp 2011 fourth quarter conference call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session. Instructions will be given at that time. (Operator Instructions). And as a reminder, this conference is being recorded.
And I would like to turn the conference over to Mr. Ed Nebb, Investor Relations Advisor. Please go ahead, sir.
Certainly Calvin, thank you.
Good morning everyone. Thanks for joining us. Our news release announcing Sterling’s full-year and fourth quarter 2011 results was issued today prior to the market opened and we hope you’ve had an opportunity to review it. The release has also been posted to the company’s website.
Before turning to the discussion of our financial results, let me remind you that any comments made today about future financial position or results, dividends, plans, objectives and other future events are forward-looking statements under the Securities Exchange Act of 1934. Actual results may differ substantially from such forward-looking statements.
The amount of any dividends for the fourth quarter 2011 and beyond will depend on the company’s future results, financial condition and other relevant factors. And a discussion of the factors that could cause actual results to vary is contained in Sterling’s annual and quarterly reports filed with the SEC.