Cullen/Frost Bankers, Inc. (CFR)
Q2 2012 Earnings Conference Call
July 25, 2012 11:00 a.m. ET
Dick Evans – Chairman and CEOPhil Green –EVP and CFO
Brett Rabatin -- Sterne Agee Brady Gailey – KBW Steven Alexopoulos – JPMorgan John Pancari -- Evercore Partners Dave Rochester -- Deutsche Bank Kevin Reynolds -- Wunderlich Security Emlen Harmon – Jefferies Scott Valentin -- FBR Capital Markets Matt Olney – Stephens Jon Arfstrom – RBC Presentation
Previous Statements by CFR
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Thank you. This morning’s conference call will be led by Dick Evans, Chairman and CEO and Phil Green, Group Executive Vice President and CFO. Before I turn the call over to Dick and Phil, I need to take a moment to address the Safe Harbor provisions. Some of the remarks made today will constitute forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995 as amended. We intend such statements to be covered by the Safe Harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act 1995 as amended. Please see the last page of the text in this morning’s earnings release for additional information about the risk factors associated with these forward-looking statements. If needed, a copy of the release is available on our website or by calling the Investor Relations department at 210-220-5632.
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