Bank of America (BAC) Q4 2010 Earnings Call January 21, 2011 8:30 am ET Executives Brian Moynihan - Chief Executive Officer, President, Director and Member of Executive Committee Charles Noski - Chief Financial Officer Kevin Stitt - Investor Relations Analysts Glenn Schorr - UBS David Hilder - Susquehanna Financial Group, LLLP John McDonald - Bernstein Research Paul Miller - FBR Capital Markets & Co. Betsy Graseck - Morgan Stanley Edward Najarian - ISI Group Inc. Meredith Whitney - Meredith Whitney Advisory Group LLC Christoph Kotowski - Oppenheimer & Co. Inc. Michael Mayo - Credit Agricole Securities (USA) Inc. Matthew O'Connor - Deutsche Bank AG PresentationOperator And welcome to today's teleconference. [Operator Instructions] It's now my pleasure to turn the program over to Kevin Stitt. Please begin, sir. Kevin Stitt
Good morning. Before Brian Moynihan and Chuck Noski begin their comments, let me remind you that this presentation does contain some forward-looking statements regarding both our financial condition and financial results, and that these statements involve certain risks that may cause actual results in the future to be different from our current expectations. These factors include, among other things, changes in economic conditions, changes in interest rates, competitive pressures within the financial services industry and legislative or regulatory requirements that may affect our businesses. For additional factors, please see our press release and SEC documents. Also joining us this morning will be Neil Cotty, our Chief Accounting Officer. And with that, let me turn it over to Brian. Brian Moynihan Thanks to all of you and good morning. We know this has been a busy week for all of you and thank you for joining us on a Friday. Before Chuck takes you through the quarter, I was going to give you some perspectives and provide some thoughts about the economy and the priorities we have for 2011. I'll stay mostly with the key-takeaway slide on Slide 4 and touch on a couple of other slides, and then turn it over to Chuck to begin on Slide 9.