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April 16, 2012 10:30 am ET
Donald J. MacLeod - Vice President and Assistant Secretary
René F. Jones - Chief Financial Officer, Executive Vice President, Chief Financial Officer of M & T Bank and Executive Vice President of M & T Bank
Marty Mosby - Guggenheim Securities, LLC, Research Division
Craig Siegenthaler - Crédit Suisse AG, Research Division
Kenneth M. Usdin - Jefferies & Company, Inc., Research Division
Steven A. Alexopoulos - JP Morgan Chase & Co, Research Division
Ken A. Zerbe - Morgan Stanley, Research Division
Adam Chaim - Deutsche Bank AG, Research Division
John G. Pancari - Evercore Partners Inc., Research Division
Thomas Frick - FBR Capital Markets & Co., Research Division
Collyn Bement Gilbert - Stifel, Nicolaus & Co., Inc., Research Division
Ladies and gentlemen, thank you for standing by, and welcome to the First Quarter 2012 Earnings Call. [Operator Instructions] I would now like to turn the conference over to Mr. Don MacLeod, Director of Investor Relations. Sir, you may begin your conference.
Donald J. MacLeod
Thank you, Paula, and good morning, everyone. This is Don MacLeod. I’d like to thank everyone for participating in M&T's First Quarter 2012 Earnings Conference Call both by telephone and through the webcast.
If you have not read the earnings release we issued this morning, you may access it, along with the financial tables and schedules, from our website, www.mtb.com and by clicking on the Investor Relations link. Also, before we start, I'd like to mention that comments made during this call might contain forward-looking statements related to the banking industry and to M&T Bank Corporation. M&T encourages participants to refer to our SEC filings, including those found on Forms 8-K, 10-K and 10-Q, for a complete discussion of forward-looking statements.