BB & T (BBT) Q2 2010 Earnings Call July 22, 2010 8:00 am ET Executives Clarke Starnes - Chief Risk Officer and Senior Executive Vice President Daryl Bible - Chief Financial Officer and Senior Executive Vice President
Kelly King - Chairman, Chief Executive Officer, President, Member of Executive & Risk Management Committee, Chairman of Branch Banking & Trust Company and Chief Executive Officer of Branch Banking & Trust Company Tamera Gjesdal - Senior Vice President of Investor Relations Analysts Adam Barkstrom - Sterne Agee & Leach Inc. Craig Siegenthaler - Crédit Suisse AG Kevin Fitzsimmons - Sandler O'Neill + Partners, L.P. Betsy Graseck - Morgan Stanley Jefferson Harralson - Keefe, Bruyette, & Woods, Inc. Gary Tenner - Soleil Securities Group, Inc. Christopher Marinac - FIG Partners, LLC William Wallace - FBR Capital Markets & Co. Robert Patten - Morgan Keegan & Company, Inc. Heather Wolf - UBS Investment Bank PresentationOperator Greetings, ladies and gentlemen, and welcome to the BB&T Corporation Second Quarter Earnings 2010 Conference Call on Thursday, July 22, 2010. [Operator Instructions] It is now my pleasure to introduce your host, Ms. Tamera Gjesdal, Senior Vice President of Investor Relations for BB&T Corporation. Thank you. You may begin, Tamera. Tamera Gjesdal Good morning, everyone. Thank you, Barbara, and thanks to all our listeners for joining us today. This call is being broadcast on the Internet from our website at BBT.com/investor. We have with us today Kelly King, our Chairman and Chief Executive Officer; and Daryl Bible, our Chief Financial Officer, and Clarke Starnes, our Chief Risks Officer, who will review financial results for the second quarter of 2010, as well as provide a look ahead. We will be referencing a slide presentation during our remarks today. A copy of this presentation, as well as our earnings release and quarterly performance summaries is available on the BB&T website. After Kelly, Daryl and Clarke have made their remarks, we will pause to have Barbara come back on the line and explain how those who have dialed into the call may participate in the Q&A session.