Regions Financial (RF) Q2 2010 Earnings Call July 27, 2010 11:00 am ET Executives John Owen - Head of Consumer Services, Head of Consumer Services Group -Regions Bank and Senior Executive Vice President-Regions Bank David Turner - Chief Financial Officer, Senior Executive Vice President and Member of the Executive Council
O. Hall - Vice Chairman, Chief Executive Officer, President, Chief Operating Officer, President of Regions Bank, Chief Operating Officer of Regions Bank and Director of Regions Bank M. Underwood - Director of Investor Relations William Wells - Chief Risk Officer, Senior Executive Vice President, Head of Risk Management Group, Chief Risk Officer-Regions Bank, Senior Executive Vice President -Regions Bank and Head of Risk Management Group-Regions Bank Analysts Albert Savastano - Macquarie Research Kevin Fitzsimmons - Sandler O'Neill Craig Siegenthaler - Crédit Suisse AG Ryan Nash Brian Foran - Goldman Sachs Group Inc. Betsy Graseck - Morgan Stanley Paul Miller - FBR Capital Markets & Co. Christopher Marinac - FIG Partners, LLC Marty Mosby - Guggenheim Securities, LLC Heather Wolf - UBS Investment Bank Matthew O'Connor - Deutsche Bank AG PresentationOperator Good morning, and welcome to the Regions Financial Corp.'s Quarterly Earnings Call. My name is Christie, and I will be your operator for today's call. [Operator Instructions] I will now turn the call over to Mr. List Underwood. Please go ahead, sir. M. Underwood Thank you, operator, and good morning, everyone. We appreciate your participation. Our presenters today are our President and Chief Executive Officer, Grayson Hall; and our Chief Financial Officer, David Turner; also here and available to answer questions are Bill Wells, our Chief Risk Officer; Tom Neely, our Director of Risk Analytics; and Barb Godin, our head of Consumer Credit.