TFS Financial's CEO Discusses F1Q2012 Results - Earnings Call Transcript

TFS Financial Corp ( TFSL)

F1Q2012 (Qtr End 12/31/2012) Earnings Call

February 2, 2012 04:00 pm ET


Marc Stefanski - President & CEO

Paul Huml - CAO, COO - TFS Financial Corporation

Dave Huffman - CFO

Meredith Weil - CRO


Mike Shafir - Sterne Agee

Joe Stieven - Stieven Capital

Frank Rango - Purchase Capital Management

Mike Godby - FIG Partners



Welcome to TFS Financial Corporation’s first fiscal quarter earnings conference call and webcast. Hosting the call today from TFS Financial is Mr. Marc Stefanski, Chief Executive Officer. He is joined by Mr. Dave Huffman, Chief Financial Officer; Mr. John Ringenbach, Chief Operating Officer of Third Federal Savings; Ms. Meredith Weil, Chief Retail Officer of Third Federal Savings; and Mr. Paul Huml, Chief Accounting Officer.

Today’s call is being recorded and will be available for replay beginning at 6 PM EST. The dial-in number for the replay is 800-283-8217. At this time, all participants have been placed in a listen-only mode and the floor will be open for your questions following the presentation. (Operator Instructions) In the interest of time and to get as many questions as possible, we ask that you limit yourself to one question and one follow-up. Lastly, when posing a question, please pick up your handset to allow optimal sound quality.

Some of the information provided during the conference call may contain statements of future expectations and other forward-looking statements. These expectations are based on the management’s current views and assumptions and involve known and unknown risks and uncertainties. It is possible that the company’s actual results and financial condition may differ possibly materially from the anticipated results and financial conditions indicated in these forward-looking statements. For a discussion on some of the risks and important factors that could affect the firm’s future results, see Risk Factors in the company’s latest Annual Report on TFS Financial Corporation assumes no obligation to update any forward-looking information provided during the conference call.

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