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April 23, 2012 10:00 am ET
Edward Nebb – Investor Relations, Comm-Counsellors, LLC
John C. Millman – President
John W. Tietjen – Executive Vice President & Chief Financial Officer
Mark Fitzgibbon – Sandler O’Neill
Collyn Gilbert – Stifel Nicolaus & Co.
Richard D. Weiss – Janney Montgomery Scott LLC
Damon Delmonte – Keefe, Bruyette & Woods, Inc.
Lana Chan – BMO Capital Markets
Ladies and gentlemen, thank you for standing by and welcome to Sterling Bancorp 2012 First 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) As a reminder, this conference is being recorded.
I’d now like to turn the conference over to our host Investor Relations Advisor, Mr. Ed Nebb. Please go ahead.
Thanks Brad. Good morning everyone. Thanks for joining us. Our news release announcing Sterling’s first quarter 2012 results was issued today prior to the market open. The release is posted on the sterlingbankcorp.com website, if you need a copy.
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, and objectives, or 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 amounts of any dividends for the first quarter 2012 and beyond depend on the company’s future results, financial condition, and other relevant factors. A discussion of the factors that could cause actual results to vary is contained in the Company’s annual and quarterly reports.