Flagstar Bancorp, Inc. (FBC)
Q22012 Earnings Call
July 18, 2012 11:00 am ET
Paul Borja - Executive Vice President, Chief Financial Officer
Joseph Campanelli – Chairman, President and Chief Executive Officer
Matthew Kerin - Executive Vice President, Managing Director, Mortgage Banking and Warehouse
Mike Maher – Executive Vice President, Chief Accounting Officer
Bose George – KBW
Jay Gohil - Market Group
Good day and welcome to the Flagstar Bancorp second quarter earnings conference call. Today’s call is being recorded. At this time, I would like to turn the call over to Paul Borja, CFO. Please go ahead, sir.
Thank you and good morning, everyone. I would like to welcome to our second quarter 2012 earnings call. My name is Paul Borja and I am the Chief Financial Officer of Flagstar Bank.
Before we begin our comment, I would like to remind you that the presentation today may contain forward looking statements regarding both our financial condition and our financial results. These statements involve certain risks that may cause actual results in the future to be different from our current expectations. These factors include among other things, changes in economic conditions, changes in interest rates and competitive pressures within the financial services industry as well as legislative or regulatory requirements that may affect our businesses.
For additional factors, we urge you to review the press release we issued last night. Our SEC documents, such as our most recently filed Form 10-K and Form 10-Q as well as the legal disclaimer on page two of our earnings call slides that we have posted on our investor relations page at flagstar.com this morning.