Fulton Financial (FULT) Q4 2011 Earnings Call January 18, 2012 10:00 am ET Executives Laura Wakeley - R. Scott Smith - Chairman, Chief Executive Officer, Member of Executive Committee and Ex-officio Member of Risk Management Committee Charles J. Nugent - Chief Financial Officer and Senior Executive Vice President E. Philip Wenger - President, Chief Operating Officer, Director, Member of Executive Committee and Ex-officio Member of Risk Management Committee Analysts Frank Schiraldi - Sandler O'Neill + Partners, L.P., Research Division Craig Siegenthaler - Crédit Suisse AG, Research Division Mac Hodgson - SunTrust Robinson Humphrey, Inc., Research Division Bob Ramsey - FBR Capital Markets & Co., Research Division Mike I. Shafir - Sterne Agee & Leach Inc., Research Division Blair C. Brantley - BB&T Capital Markets, Research Division Matthew T. Clark - Keefe, Bruyette, & Woods, Inc., Research Division Collyn Bement Gilbert - Stifel, Nicolaus & Co., Inc., Research Division Richard D. Weiss - Janney Montgomery Scott LLC, Research Division PresentationOperator
Good morning, ladies and gentlemen. Welcome to the Fulton Financial Year End 2011 Earnings Conference Call. This call is being recorded. I would now like to turn the call over to Laura Wakeley, Senior Vice President of Corporate Communications. Please go ahead. Laura Wakeley Thanks, Diana. Good morning, and thank you all for joining us for Fulton Financial Corporation's conference call and webcast to discuss our earnings for the fourth quarter and year end of 2011. Your host for today's conference call is Scott Smith. Scott is the Chairman and Chief Executive Officer of Fulton Financial. Joining him are Phil Wenger, President and Chief Operating Officer; and Charlie Nugent, Senior Executive Vice President and Chief Financial Officer.