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July 24, 2012 10:00 am ET
Ed Nebb - IR, Comm-Counsellors, LLC
John Millman - President
John Tietjen - EVP & CFO
Mark Fitzgibbon - Sandler O'Neill
Timor Brizola - KBW
Collyn Gilbert - Stifel Nicolaus
Rick Weiss - Janney
Ladies and gentlemen, thank you for standing by. Welcome to the Sterling Bancorp 2012 second quarter conference call. At this time, all participants are in a listen-only mode. Later we will conduct a question-and-answer session. (Operator Instructions) As a reminder, this conference is being recorded.
I would now like to turn the conference over to your host, Ed Nebb.
Please go ahead.
Thank you very much, [Chad Gray]. Good morning everyone and thank you for joining us here at the Sterling Bancorp’s second quarter 2012 conference call. Our results were issued today prior to the market open and we hope you had an opportunity to review the release. The release has also been posted to the company’s website at www.sterlingbancorp.com.
Before we turn to the discussion of the company’s financial results, let me remind you that any comments made today about future financial position or results, dividends, plans objectives or other events are forward-looking statements under the Securities Exchange Act of 1934. Actual results may differ substantially from forward-looking statements.
The amounts of any dividends for the third quarter of 2012 and beyond will depend on the company’s future results of operations, financial condition and other relevant factors and a discussion of the factors that could cause actual results to vary is contained in Sterling’s annual and quarterly reports filed with the SEC.