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April 27, 2012, 1:00 p.m. ET
Stephen A. Fowle – EVP and CFO
Mark A. Turner – President and CEO
Rodger Levenson – EVP and Director of Commercial Banking
David Peppard – Janney Capital Markets
Michael Sarcone – Sandler O'Neill
I will now turn the call over to your host, Mr. Steve Fowle, Chief Financial Officer. You may begin.
Thank you Mimi, and thanks to all of you for taking time to participate on this call. With me at WSFS are Mark Turner, President and CEO, Roger Levenson, Executive Vice President and Director of Commercial Banking, Paul Geraghty, Executive Vice President and Chief Wealth Officer, and myself. Before Mark begins with his opening remarks, I would like to read our Safe Harbor statement.
This call will contain 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. Such forward-looking statements are based on various assumptions, some of which may be beyond the company’s control, and are subject to risks and uncertainties which change over time, and other factors which could cause actual results to differ materially from those currently anticipated. Such risks and uncertainties include, but are not limited to, those related to the economic environment, particularly in the market areas in which the market operates, the volatility of the financial and securities markets, including changes with respect to the market value of our financial assets, changes in market interest rates, changes in government regulation affecting financial institutions including the Dodd-Frank Wall Street Reform and Consumer Protection Act, and the rules being issued in accordance with the statute and potential expenses associated therewith, and the cost associated with resolving any problem loans, and other risks and uncertainties discussed in documents filed by WSFS Financial Corporation with the Securities and Exchange Commission from time to time. Forward statements speak only as the date they are made, and the company does not undertake to update any forward-looking statement, whether written or oral, that may be made from time to time by or on behalf of the company. With that read, I will turn the call over to Mark Turner for his opening comments.