Susquehanna Bancshares, Inc. (SUSQ)
Q2 2012 Earnings Call
July 26, 2012 11:00 am ET
Carl D. Lundblad – Senior Vice President, Investor Relations
William Reuter – Chairman and Chief Executive Officer
Drew K. Hostetter – Chief Financial Officer and Executive Vice President
Michael Quick – Executive Vice President, Chief Corporate Credit Officer
Frank Schiraldi – Sandler O'Neill
Christopher McGratty – Keefe, Bruyette & Woods Inc.
Michael Shafir – Sterne Agee & Leach, Inc.
Mac Hodgson – SunTrust Robinson Humphrey
Russell Gunther – Bank of America/Merrill Lynch
John Moran – Macquarie Capital
Robert Ramsey – FBR Capital Markets & Co.
Collyn Gilbert – Stifel Nicolaus & Co.
Blair Brantley – BB&T Capital Markets
John Boland – Maple Capital Management
Good day and welcome to the Susquehanna Bancshares Second Quarter 2012 Earnings Conference Call. Today's call is being recorded. At this time, participants are in a listen-only mode. Later we will conduct a question-and-answer session and instructions will follow at that time. (Operator Instructions) At this time I would like to turn the conference over to Mr. Lundblad. Please go ahead sir.
Carl D. Lundblad
Thank you, Joyce. Good morning, and welcome everyone. My name is Carl Lundblad and I serve as Senior Vice President and Director of Strategic Planning and Investor Relations at Susquehanna Bancshares.
By now you should all have received a copy of the press release about our financial results for the second quarter of 2012, which we made available yesterday. You can find this in our other financial releases in the Investor Relations section of our website at
. Certain statements made during this conference call may be considered to be forward-looking statements. In particular, certain statements made on this call may include forward-looking statements relating to our margin and financial goals for 2012. Such statements are not guarantees of future performance and are subject to certain risks and uncertainties.
The factors that may cause actual results to differ materially from expectations are detailed in the press release and in our SEC filings. Susquehanna encourages participants to refer to such filings including the Form 8-K filed yesterday containing our earnings release and our most recent Forms 10-K and 10-Q for a complete discussion of forward-looking statements.
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