M&T Bank (MTB) Q1 2012 Earnings Call April 16, 2012 10:30 am ET Executives Donald J. MacLeod - Vice President and Assistant Secretary René F. Jones - Chief Financial Officer, Executive Vice President, Chief Financial Officer of M & T Bank and Executive Vice President of M & T Bank Analysts Marty Mosby - Guggenheim Securities, LLC, Research Division Craig Siegenthaler - Crédit Suisse AG, Research Division Kenneth M. Usdin - Jefferies & Company, Inc., Research Division Steven A. Alexopoulos - JP Morgan Chase & Co, Research Division Conor Fitzgerald Ken A. Zerbe - Morgan Stanley, Research Division Adam Chaim - Deutsche Bank AG, Research Division John G. Pancari - Evercore Partners Inc., Research Division Thomas Frick - FBR Capital Markets & Co., Research Division Collyn Bement Gilbert - Stifel, Nicolaus & Co., Inc., Research Division PresentationOperator
Ladies and gentlemen, thank you for standing by, and welcome to the First Quarter 2012 Earnings Call. [Operator Instructions] I would now like to turn the conference over to Mr. Don MacLeod, Director of Investor Relations. Sir, you may begin your conference. Donald J. MacLeod Thank you, Paula, and good morning, everyone. This is Don MacLeod. I’d like to thank everyone for participating in M&T's First Quarter 2012 Earnings Conference Call both by telephone and through the webcast. If you have not read the earnings release we issued this morning, you may access it, along with the financial tables and schedules, from our website, www.mtb.com and by clicking on the Investor Relations link. Also, before we start, I'd like to mention that comments made during this call might contain forward-looking statements related to the banking industry and to M&T Bank Corporation. M&T encourages participants to refer to our SEC filings, including those found on Forms 8-K, 10-K and 10-Q, for a complete discussion of forward-looking statements.