Sterling Bancorp ( STL) Q4 2010 Earnings Conference Call January 27, 2011 11:00 AM ET Executives Edward Nebb – IR Advisor John Millman – President John Tietjen – EVP and CFO Analysts Damon Delmonte – Keefe, Bruyette & Woods Dave Peppard – Janney Travis Lan – Stifel Nicolaus & Company, Inc. Lana Chan – BMO Capital Markets PresentationOperator
Ladies and gentlemen, thank you for standing by, and welcome to the Sterling Bancorp 2010 Fourth Quarter Conference Call. (Operator Instructions) And as a reminder, this conference is being recorded. At this point, I would now like to turn the meeting over to Ed Nebb, Investor Relations Advisor. Please go ahead. Edward Nebb Thank you, David, and good morning, everyone. Thanks for joining us. Our news release announcing Sterling’s Fourth Quarter and Full Year 2010 results was issued today prior to the market open, and we hope you’ve had an opportunity to review it. The release is also posted to the company’s website at www.sterlingbancorp.com. Before turning to the discussion of financial results, let me remind you that any comments made today about future financial results or other future events are forward-looking statements under the Securities Exchange Act of 1934. Actual results may differ substantially from such forward-looking statements. The amounts of any dividends in 2011 and beyond will depend on the company’s future results of operations, financial condition, and other relevant factors. A discussion of the factors that could cause actual results to vary is contained in Sterling’s annual and quarterly reports as filed with the SEC.