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Synovus Financial's CEO Discusses Q2 2012 Results - Earnings Call Transcript

Kessell Stelling, our Chairman and Chief Executive Officer will be our primary presenter today with our entire executive management group to answer your questions.

Before we begin, I need to remind you that our comments may include forward-looking statements. These statements are subject to risks and uncertainties and the actual results could vary materially. We list these factors that might cause results to differ materially in our press release and in our SEC filings, which are available on the website. Further, we do not intend to update any forward-looking statements to reflect circumstances or events that occur after the date these statements are made. We disclaim any responsibility to do so.

During the call, we will discuss non-GAAP financial measures in reference to the Company’s performance and you can find these reconciliation of these measures to GAAP financial measures in the appendix to our presentation. Finally, Synovus is not responsible for and does not edit or guarantee the accuracy of earnings teleconference transcripts provided by third parties. The only authorized webcast is located on our website.

We respect the time available this morning and desire to answer everyone’s questions. We ask you to initially limit your time to two questions. If we have more time available after everyone’s initial two questions, we will reopen the queue for follow-up questions.

And now, I’ll turn the call over to Kessell.

Kessel D. Stelling, Jr

Thank you, Pat and thank you, Kate, and welcome everyone to our quarterly earnings call. We are going to try a little different format today. I will walk us through the deck in somewhat more abbreviated fashion than in the past and save the members of our executive team for Q&A, hopefully to allow more time for the Q&A, which I know generates a lot of interest. So the usual crew, our CFO, Tommy Prescott, Chief Credit Officer, Kevin Howard and Chief Banking Officer, D. Copeland and others are here to take questions following my presentation.

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