Cullen/Frost Bankers, Inc. (CFR)
Q2 2012 Earnings Conference Call
July 25, 2012 11:00 a.m. ET
Dick Evans – Chairman and CEO
Phil 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
Good morning. My name is Fiya, and I’ll be the conference operator today. At this time, I’d like to welcome everyone to the Cullen/Frost Bankers Second Quarter Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks, there will be a question-and-answer session. (Operator Instructions). Thank you. I will now turn the conference over to Mr. Greg Parker. Sir, you may begin.
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.