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July 19, 2012 05:00 PM ET
Phil Flynn - President and CEO
Chris Niles - EVP and CFO
Scott Hickey – EVP and CCO
Scott Siefers - Sandler O'Neill
Dave Rochester - Deutsche Bank
Terry McEvoy - Oppenheimer
Emlen Harmon - Jefferies
Russell Gunther - Bank of America
Chris McGratty - KBW
Stephen Geyen - Stifel Nicolaus
Mac Hodgson - SunTrust Robinson Humphrey
Good afternoon everyone, and welcome to Associated Banc-Corp’s second quarter 2012 earnings conference call. My name is Jamie and I will be your operator today. At this time, all participants are in a listen-only mode. We will be conducting a question-and-answer session at the end of today's conference. Copies of the slides that will be referenced during today's call are available on the company's website at investor.associatedbank.com. As a reminder, today's conference call is being recorded.
During the course of the discussion today, Associated management may make statements that constitute projections, expectations, beliefs, or similar forward-looking statements. Associated’s actual results could differ materially from the results anticipated or projected in any such forward-looking statements.
Additional detailed information concerning the important factors that could cause Associated’s actual results to differ materially from the information discussed today is readily available on the SEC website in the risk factors sections of Associated’s most recent Form 10-K and any subsequent Form 10-Q. These factors are incorporated here-in by reference. Following today’s presentation, instructions will be given for the question-and-answer session.