Citizens Republic Bancorp, Inc (CRBC) Q4 2010 Earnings Call January 28, 2011 10:00 am ET Executives Lisa McNeely - Chief Financial Officer and Executive Vice President Mark Widawski - Chief Credit Officer, Executive Vice President, Chief Credit Officer of Citizens Bank and Executive Vice President of Citizens Bank Kristine Brenner - Director of Investor Relations Cathleen Nash - Chief Executive Officer, President, Director, Chief Executive Officer of Citizens Bank and President of Citizens Bank Analysts Brett Scheiner - FBR Capital Markets & Co. Eileen Rooney - Keefe, Bruyette, & Woods, Inc. Terence McEvoy - Oppenheimer & Co. Inc. PresentationOperator
Good day, everyone, and welcome to the Fourth Quarter Conference Call. [Operator Instructions] It is now my pleasure to turn the conference over to Ms. Kristine Brenner. Please go ahead. Kristine Brenner Thank you, and good morning. Welcome to the Citizens Republic Bancorp Fourth Quarter Conference Call. This call is being recorded and a telephone replay will be available through February 4th. This call is also being simulcast live on our website, citizensbanking.com, where it will be archived for 90 days. I have with me Cathy Nash, President and Chief Executive Officer; Lisa McNeely, Chief Financial Officer; and Mark Widawski, Chief Credit Officer, who all have comments to share with you this morning. Brian Boike, our Treasurer, is also here to answer questions. After management concludes their prepared remarks, we will open the line up for questions from research analysts. During this conference call, statements may be made that are not historical facts such as those regarding Citizens' future financial and operating results, plans, objectives, expectations and intentions. Such forward-looking statements are subject to risks and uncertainties which include but are not limited to those discussed in Citizens' annual and quarterly reports filed with the SEC.