PNC Financial Services Group (PNC) Q4 2010 Earnings Call January 20, 2011 8:30 am ET Executives Richard Johnson - Chief Financial Officer and Executive Vice President James Rohr - Chairman of the Board, Chief Executive Officer, Member of Executive Committee and Member of Risk Committee William Callihan - Senior Vice President and Director of Investor Relations Analysts Matthew Burnell - Wells Fargo Securities, LLC David Hilder - Susquehanna Financial Group, LLLP John McDonald - Bernstein Research Christopher Gamaitoni Paul Miller - FBR Capital Markets & Co. Kenneth Usdin - Jefferies & Company, Inc. Edward Najarian - ISI Group Inc. Brian Foran - Goldman Sachs Lana Chan - BMO Capital Markets U.S. Gerard Cassidy - RBC Capital Markets, LLC Heather Wolf - UBS Investment Bank Michael Mayo - Credit Agricole Securities (USA) Inc. PresentationOperator
Good morning. My name is Darlene, and I will be your conference operator today. At this time, I would like to welcome everyone to the PNC Financial Earnings Conference Call. [Operator Instructions] I would now like to turn our call over to Mr. Bill Callihan. Sir, you may begin your conference. William Callihan Thank you. Good morning, everyone, and welcome to today's conference call for the PNC Financial Services Group. Participating on this call will be PNC's Chairman and Chief Executive Officer, Jim Rohr; and Rick Johnson, Executive Vice President and Chief Financial Officer. The following statements contain forward-looking information. Actual results and future events could differ, possibly materially, from those we anticipate in our statements and from our historical performance due to a variety of factors. Those factors include items described in today's conference call, press release and related materials and in our 10-K and 10-Q and various other SEC filings available on our corporate website. These statements speak only as of January 20, 2011, and PNC undertakes no obligation to update them.