First Financial Bancorp ( FFBC) Q4 2010 Earnings Call January 27, 2011 09:00 am ET Executives Claude Davis -- President and Chief Executive Officer Frank Hall -- Executive Vice President and Chief Financial Officer. Richard Barbercheck – Chief Credit Officer Ken Lovik – Vice President of Investor Relations and Corporate Development Analysts Scott Siefers – Sandler O’Neill Jon Arfstrom – RBC Capital Markets Justin Maurer -- Lord Abbett Eileen Rooney – KBW Matthew Keating -- Barclay’s Capital Bryce Rowe -- Robert W. Baird John Rodis with Howe Barnes Joe Steven – Steven Capital PresentationOperator
Good morning, and welcome to the First Financial Bancorp’s Fourth Quarter and full year 2010 Earnings Conference Call and Webcast. All participants will be in a listen-only mode. (Operator Instructions) Please note this event is being recorded. I would now like to turn the conference over to Vice President of Investor Relations and Corporate Development, Ken Lovik. Please go ahead, sir. Ken Lovik Thank you, Sue. Good morning, everyone, and thank you for joining us on today’s conference call to discuss First Financial Bancorp’s Fourth Quarter and full year 2010 financial results. Discussing our operating and financial results today will be Claude Davis, President and Chief Executive Officer, and Frank Hall, Executive Vice President and Chief Financial Officer. Before we get started, I would like to mention that both the press release we issued yesterday announcing our financial results and the accompanying supplemental presentation are available on our website at www.bankatfirst.com under the Investor Relations section. Please refer to the forward-looking statement disclosure contained in the Fourth Quarter of 2010 Earnings Release, as well as our SEC filings for a full discussion of the company’s risk factors. The information we provide today is accurate as of December 31, 2010, and we will not be updating any forward-looking statements to reflect facts or circumstances after this call.