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Cathleen H. Nash - Chief Executive Officer, President, Director, Chief Executive Officer of Citizens Bank, President of Citizens Bank and Director of Citizens Bank
Lisa T. McNeely - Chief Financial Officer, Executive Vice President, Chief Financial Officer of Citizens Bank and Executive Vice President of Citizens Bank
Mark W. Widawski - Chief Credit Officer, Executive Vice President, Chief Credit Officer of Citizens Bank and Executive Vice President of Citizens Bank
Brian D. J. Boike - Senior Vice President, Treasurer, Senior Vice President of Citizens Bank and Treasurer of Citizens Bank
Terence J. McEvoy - Oppenheimer & Co. Inc., Research Division
John Barber - Keefe, Bruyette, & Woods, Inc., Research Division
Good day, and welcome to the Citizens Republic Bancorp Second Quarter Conference Call. [Operator Instructions] It is now my pleasure to turn the conference over to Ms. Kristine Brenner. Please go ahead.
Kristine D. Brenner
Thank you. Good morning, and welcome to the Citizens Republic Bancorp Second Quarter Conference Call. This call is being recorded and will be archived for 90 days on the Investor Relations page on our website, www.citizensbanking.com.
The format of the call today will be Cathy Nash, President and Chief Executive Officer, providing highlights for the quarter; Lisa McNeely, Chief Financial Officer; and Mark Widawski, Chief Credit Officer, will provide details of the quarter. Cathy Nash will share some concluding remarks, then we'll open the line up for questions from research analysts; and Brian Boike, our Treasurer, is also here to answer questions.