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First Niagara Financial Group Inc. (FNFG)
Q2 2012 Earnings Call
July 27, 2012 08:30 am ET
John Koelmel - CEO
Greg Norwood - CFO
Bob Ramsey - FBR
Erika Penala - Bank of America Merrill Lynch
Josh Levin - Citi
John Pancari - Evercore Partners
Casey Haire - Jefferies
Dave Rochester - Deutsche Bank
Damon DelMonte - KBW
Collyn Gilbert - Stifel Nicolaus
Matthew Kelley - Sterne Agee
Tom Alonso - Macquarie
Welcome. This presentation contains forward-looking information for First Niagara Financial Group. Such information constitutes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 which involves significant risks and uncertainties. Actual results may differ materially from the results discussed on the forward-looking statements.
Welcome and thank you for standing by. All lines have been placed in a listen-only mode until the question-and-answer session. This call is being recorded. If anyone has any objections, you may disconnect at this time.
I would now like to turn the call over to Mr. John Koelmel, President and Chief Executive Officer. Sir, you may begin.
Thank you very much, Teresa, and good morning everyone. It’s been a busy couple of weeks for many of you and that our being a week later than usual. Those put us on the back side of the earnings cycle, but all are moving parts and pieces around the HSBC Branch acquisition; want to make sure we got it right and we are able to give you the best possible clarity and transparency around the transaction and its early outcomes.